NYSE:SYF
Synchrony Financial (SYF)
Financials 
Technical Analysis 
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Premium contentAnalysts of this consumer financial services provider cite strong operating cost management, credit card program renewals, and improving credit trends more than offset low loan growth for SYF in 2024 and the bank is in a solid position for 2025. We like that cash reserves are growing, while debt is retired and shares bought back. It trades at 7x earnings, 1.5x book and supports a 23% ROE. We recommend setting a stop-loss at $55, looking to achieve $78 — upside potential of 30%. Yield 1.2%
(Analysts’ price target is $78.57)SYF is a consumer finance company; the company was spun out of GE back in 2015. SYF has maintained an attractive Return on Equity (ROE) profile along with consistent share buybacks over the years. SYF is trading at 1.8x Forward P/E, an expansion compared to previous years of around 1.2x, given the recent improving operating results.
We think SYF still looks quite cheap, but the business is mature, and growth is quite limited, investors need an appropriate expectation for SYF that although it may not be a compounder, SYF can potentially do comfortably well around 10%-12% over the long term (price appreciation and dividends) for investors. Portfolio allocation is a personal decision, we tend not to recommend a precise allocation, depending on investors’ risk tolerance.
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Believes this is a business that does something that is differentiated. They provide value to the client that has the card and provide value to the retailer. Looking at the economics that is providing their service, it is attractive. They earn higher gross yields, which means they can sustain a higher write-off, which is going to be the nature of the beast when they do store cards, which is the nature of their business. The ROE’s they can generate are attractive and believes that the capital return will accelerate over time. He likes this business.
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Synchrony Financial (SYF) Frequently Asked Questions
What is Synchrony Financial stock symbol?
Synchrony Financial is a American stock, trading under the symbol SYF (previously SYF-N on Stockchase) on the New York Stock Exchange (SYF). It is usually referred to as NYSE:SYF or SYF
Is Synchrony Financial a buy or a sell?
In the last year, there was no coverage of Synchrony Financial published on Stockchase.
Is Synchrony Financial a good investment or a top pick?
Synchrony Financial was recommended as a Top Pick by Stephen Groff on 2016-09-07. Read the latest stock experts ratings for Synchrony Financial.
Why is Synchrony Financial stock dropping?
Earnings reports or recent company news can cause the stock price to drop. Read stock experts' recommendations for help on deciding if you should buy, sell or hold the stock.
Is Synchrony Financial worth watching?
In the last year, there was no coverage of Synchrony Financial published on Stockchase.
What is Synchrony Financial stock price?
On 2026-06-01, Synchrony Financial (SYF) stock closed at a price of $70.82.
Our PAST TOP PICK with SYF has triggered its stop at $55. To remain disciplined, we recommend covering the position at this time.