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SYF

Synchrony Financial

NYSE: SYF · FINANCIAL SERVICES · CREDIT SERVICES

$75.12
-1.48% today

Updated 2026-04-29

Market cap
$25.31B
P/E ratio
7.78
P/S ratio
2.56x
EPS (TTM)
$9.66
Dividend yield
1.57%
52W range
$52 – $88
Volume
4.0M
OverviewPrice TargetsFinancialsValuationInsidersEarnings

Synchrony Financial (SYF) Financial Forecast & Price Target 2030

Research-backed projections from analyst consensus, management guidance, and sector analysis.

Price target summary

Current
$75.12
Consensus
$84.95
+13.09%
2030 Target
$759.46
+911.00%
DCF
—
—
19 analysts:
8 Buy6 Hold0 Sell

Management guidance

No specific CEO revenue targets disclosed in available materials. Management issued cautious 2026 guidance following Q4 2025 results, with analyst consensus projecting 2026 revenue of $18.22B (86.8% growth from $9.76B in 2025) and 2027 revenue of $19.13B (5.0% growth). The sharp 2026 projection spike appears driven by accounting/consolidation changes rather than organic growth acceleration.

Sources: Management guidance, analyst consensus, sector analysismedium confidence

Revenue & price projection

Actual revenue Projected revenue Base case Bull to bear range
Bull case (2030)
$1,265.77
$22.9B Rev × 20x P/S
Base case (2030)
$759.46
$22.9B Rev × 12x P/S
Bear case (2030)
$506.31
$22.9B Rev × 8x P/S

Financial forecast — research-backed

Metric2023202420252026 (E)2027 (E)2028 (E)2029 (E)2030 (E)
Revenue$17.3B$20.8B$19.1B$18.2B$19.1B$20.2B$21.4B$22.9B
Revenue growth—19.7%-7.9%86.8%5.0%5.6%6.2%6.5%
EPS$5.33$6.58$9.43$9.33$10.43$11.25$12.15$13.10
P/S ratio———12.0x12.0x12.0x12.0x12.0x
Implied price———$608.94$636.31$670.52$711.57$759.46

Catalysts & risks

Growth catalysts
+ Federal Reserve rate cuts expected to boost net interest margin and profitability
+ CareCredit partnership expansions (Figo Pet Insurance, Planet DDS dental integration, Weave integration) driving cross-sector revenue growth
+ Polaris powersports financing partnership renewal and expansion
+ Q1 2026 earnings on April 21, 2026 expected to show $2.35 EPS (24.3% YoY increase)
+ Digital-first innovation (PRISM platform, AI-driven credit access expansion)
Key risks
- Consumer credit stress and rising delinquency rates amid uncertain macroeconomic environment
- Credit cost inflation and potential regulatory shifts affecting lending standards
- Partnership concentration risk (significant revenue dependent on retail partner relationships)
- Margin compression if Fed maintains higher rates longer than expected
- Analyst downgrade trend (Truist, BofA, Morgan Stanley reduced PTs in recent weeks)

Methodology

Synchrony Financial's forward estimates are derived from AI-powered research synthesis combining analyst consensus from 19 Wall Street analysts, management guidance from the latest earnings call, and sector growth forecasts from industry research. Revenue and EPS projections use analyst consensus where available and conservative extrapolation with growth deceleration for outer years. Price targets are calculated using a tiered Price-to-Sales (P/S) methodology, where the P/S multiple is determined by the projected revenue growth rate.

WallStSmart proprietary research model · Not financial advice · Past performance is not indicative of future results · Last researched: April 7, 2026.