SYNCHRONY FINANCIAL (SYF) Stock: Buy, Sell, or Hold?
SYF - SYNCHRONY FINANCIAL
$75.99
0.55 (0.73%)
▲
5d:
-4.83%
30d:
-4.31%
90d:
+5.06%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 21, 2026
Smart Money Accumulation
Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →
Signal fired Sep 4, 2026 at $79.92 · last confirmed Sep 9, 2026
Strength: 9.5/10
Get Alerted When SYF Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 MIXED SIGNALS: SYF shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: SYF shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$111.33
Based on 7.9% avg growth
INTRINSIC VALUE TODAY
$69.13
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 7.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SYF is currently trading at $75.99, which is considered oversold relative to its 30-day fair value range of $77.36 to $80.26. The stock's valuation (Forward PE: 7.3) is in line with its historical norms (7.3). Remarkably, the market is currently pricing in an annual earnings decline of 0.3% over the next few years. This pessimistic expectation contrasts with the company's recent 3.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SYF is in a strong uptrend. The price is currently testing key support at $74.77. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SYF scores 26/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $89.30 (+17.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, SYF is in a strong uptrend. The price is currently testing key support at $74.77. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SYF scores 26/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $89.30 (+17.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$77.36 -
$80.26
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
54.8%
Protect Your Profits
Holding SYF? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (26/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($89.30)
- WARNING: Composite score 49/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$77.36 -
$80.26
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$74.77
Resistance Level
$80.89
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.26
Wall Street Target
$89.30
(+17.5%)
Revenue Growth (YoY)
0.6%
Earnings Growth (YoY)
3.6%
Profit Margin
35.5%
Valuation Discount vs History
-0.3% cheaper
PE vs Historical
7.3 vs 7.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.3%
(market-implied from PE analysis)
1-Year Target
$75.76
(0%)
2-Year Target
$75.53
(-1%)
3-Year Target
$75.31
(-1%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$75.73
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 11.7%)
$294.30
(+287%)
Base:
(SPY PE: 7.3, Growth: 11.7%)
$105.91
(+39%)
Bear:
(PE: 6.2, Growth: 11.7%)
$90.03
(+19%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 7.74 | Current EPS (TTM): $9.75
Bull Case
$89.10
(+17%)
Analyst growth 7.4%, PE expands to 8.5
Base Case
$81.00
(+7%)
Market implied 7.4%, PE stable at 7.7
Bear Case
$51.30
(-33%)
Severe decline -20.0%, PE contracts to 6.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.3 to 7.3
Stabilization Target:
$76.42
(+0.6%)
PE Expansion Potential:
+0.6%
Share & Embed Analysis
Last updated: September 12, 2026 2:34 AM ET
Data refreshes hourly during market hours. Next update: 3:34 AM
Data refreshes hourly during market hours. Next update: 3:34 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is SYF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Ro Khanna
SELL
2026-03-30
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$419 | 39 SELL |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$671 | 41 HOLD |
|
COF
Capital One Financial Co… |
STRONG BUY
23 analysts |
$258 | 58 HOLD |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$57 | 54 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$99 | 51 HOLD |
Advanced SYF Option Strategies
Professional options setups generated by AI based on today's SYF price and gamma walls.
