SYF Stock Price Today (October 2026) — Synchrony Financial Analysis & Key Metrics 2026-10-07
Synchrony Financial (SYF) is trading at $71.93, down 0.32% today (as of October 2026). The stock continues to show pressure below major moving averages, attracting attention from investors looking for Financial Services growth opportunities.
- According to consensus analyst estimates, the 1-year price target is $89.17 (24.0% upside).
- Volatility is low (19.66% annualized), implying relatively contained price movements for short-term traders.
- The fundamental picture, based on the latest financial filings, is nuanced: steady revenue (0.60% YoY) alongside competitive pressures in the Credit Services space.
SYF Stock Analysis: Key Metrics & Valuation (October 2026)
Concise, actionable data for investors
Synchrony Financial - Historical Price & Volume
- Price
- Volume
- Latest price
Market Cap
Enterprise Value: $23.64B
P/E Ratio
Forward P/E: 7.33
Revenue Growth
Year over Year
Analyst Target
+24.0% upside potential
Key Investor Questions About SYF
What investors need to know before buying
Based on current market data, SYF presents a neutral technical setup with mixed signals fundamentals.
- Technicals say: Neutral (RSI 38.87)
- Fundamentals say: Mixed signals (nuanced financial profile)
SYF's growth trajectory depends on its ability to expand within the Credit Services sector while managing margin pressures.
- Future growth will depend on performance in core Credit Services operations.
- The ability to manage competitive pressures will be crucial for sustained growth.
The primary risks for SYF investors include debt exposure and competitive dynamics in the Credit Services industry.
- $16.43B in debt could be a headwind in a high-rate environment.
- Fierce competition from established players in Credit Services.
52-Week Trading Range
Over the past year, SYF stock traded between $63.08 and $88.77 and currently trades in the middle of that range. Big swings are less likely unless a major catalyst emerges.
Volatility & Risk Profile
With 19.66% annualized volatility and β=1.41, the stock exhibits high sensitivity to market moves—making SYF suitable for investors comfortable with active risk management.
Institutional & Insider Ownership
Lower institutional support combined with high short selling points to negative sentiment.
Analyst Sentiment & Price Targets
Latest News & Headlines
Recent headlines and coverage
Is Synchrony Financial Stock Underperforming the Nasdaq?
Synchrony Financial has underperformed the broader Nasdaq Composite over the past year, and analysts are fairly upbeat about its future growth potential.
Synchrony Financial Sees Resilient Spending, Reaffirms Receivables Growth Outlook
Synchrony Financial (NYSE:SYF) Chief Financial Officer Brian Wenzel said the company was seeing high-single-digit purchase-volume growth roughly 2.5 months into the third quarter, consistent with the approximately 8% growth reported during the second quarter. Speaking at an investor event, Wenzel s
3 Reasons SYF Has Explosive Upside Potential
Synchrony Financial’s 18.8% return over the past six months has outpaced the S&P 500 by 5.1%, and its stock price has climbed to $76.06 per share. This was partly thanks to its solid quarterly results, and the performance may have investors wondering how to approach the situation.
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What Synchrony Financial (SYF)'s Q2 Beat and OpenAI Deal Means For Shareholders
In recent days, Synchrony Financial reported second-quarter 2026 results that exceeded expectations and raised its 2026 EPS outlook, highlighting record purchase volume, loan receivable growth, credit strength, and wider net interest margins. Around the same time, the company deepened its AI focus by appointing a Chief AI Officer and announcing an enterprise-wide collaboration with OpenAI to embed advanced models across shopping, payments, and internal operations. Next, we will examine how...
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Frequently Asked Questions
Common investor questions about Synchrony Financial
Synchrony Financial (SYF) is currently trading at $71.93. The RSI (14-day) is at 38.9, indicating neutral territory. Wall Street analysts have a consensus "buy" recommendation. The mean analyst price target of $89.17 implies 24.0% upside from current levels. Volatility is low at 19.7% annualized, meaning price movements are relatively contained. Investors should consider their risk tolerance, investment horizon, and portfolio diversification before making a decision.
Based on current valuation metrics for Synchrony Financial (SYF): The trailing P/E ratio is 7.78, which is below the market average of ~20-22, suggesting the stock may be undervalued relative to peers. The forward P/E is 7.33, lower than the trailing P/E, suggesting analysts expect earnings improvement. The PEG ratio is 1.13, near 1.0, suggesting roughly fair value relative to growth. Price-to-Book is 1.62. Price-to-Sales is 2.49. Valuation should be compared to Credit Services industry peers for context, as different sectors trade at different multiples.
Based on 23 analysts covering SYF, the consensus price target is $89.17. This represents a 24.0% upside from the current price of $71.93. The range spans from a low target of $78.00 to a high target of $104.00, reflecting varying levels of optimism among analysts. The consensus recommendation is "buy". Note: Analyst price targets are forward-looking estimates and not guarantees of future performance.
Yes, Synchrony Financial (SYF) pays a dividend with a current yield of approximately 1.89%. The annualized dividend rate is $1.20 per share. The payout ratio is 12.3%, which is conservative and suggests the dividend is well-covered by earnings with room for future increases. The most recent ex-dividend date was Aug 5, 2026.
Key risks for Synchrony Financial (SYF) investors include: 1. Broader market and macroeconomic risks (interest rates, inflation, geopolitical events). 2. Credit Services sector-specific competitive pressures. Investors should diversify and consider their risk tolerance before investing.
Here is Synchrony Financial's (SYF) current debt and financial health profile: Total debt stands at $16.43B. The company holds $16.19B in cash and equivalents.