SYF Stock Price Today (July 2026) — Synchrony Financial Analysis & Key Metrics 2026-07-17
Synchrony Financial (SYF) is trading at $73.62, down 0.89% today (as of July 2026). The stock continues to show mixed signals with a short-term dip within a broader uptrend, attracting attention from investors looking for Financial Services growth opportunities.
- According to consensus analyst estimates, the 1-year price target is $89.43 (21.5% upside).
- Volatility remains elevated (43.37% annualized), implying wide price swings for short-term traders.
- The fundamental picture, based on the latest financial filings, is nuanced: solid revenue growth (6.10% YoY) alongside significant competitive pressures.
SYF Stock Analysis: Key Metrics & Valuation (July 2026)
Concise, actionable data for investors
Synchrony Financial - Historical Price & Volume
Market Cap
Enterprise Value: $22.72B
P/E Ratio
Forward P/E: 7.22
Revenue Growth
Year over Year
Analyst Target
+21.5% 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 47.48)
- 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—recovering meaningfully from lows and currently near the higher end. Big swings are likely unless a major catalyst emerges.
Volatility & Risk Profile
With 43.37% annualized volatility and β=1.53, the stock exhibits high sensitivity to market moves—making SYF suitable for investors comfortable with active risk management.
Institutional & Insider Ownership
High institutional backing, but elevated short interest signals a potential battleground stock.
Analyst Sentiment & Price Targets
Latest News & Headlines
Recent headlines and coverage
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Frequently Asked Questions
Common investor questions about Synchrony Financial
Synchrony Financial (SYF) is currently trading at $73.62. The RSI (14-day) is at 47.5, indicating neutral territory. Wall Street analysts have a consensus "buy" recommendation. The mean analyst price target of $89.43 implies 21.5% upside from current levels. Volatility is high at 43.4% annualized, meaning significant price swings are common. 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 7.62, which is below the market average of ~20-22, suggesting the stock may be undervalued relative to peers. The forward P/E is 7.22, lower than the trailing P/E, suggesting analysts expect earnings improvement. The PEG ratio is 0.97, below 1.0, which generally indicates the stock is undervalued relative to its growth rate. Price-to-Book is 1.63. Price-to-Sales is 2.50. 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 $89.43. This represents a 21.5% upside from the current price of $73.62. The range spans from a low target of $77.00 to a high target of $103.00, 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 1.63%. The annualized dividend rate is $1.20 per share. The payout ratio is 12.4%, which is conservative and suggests the dividend is well-covered by earnings with room for future increases. The most recent ex-dividend date was 2026-05-05T00:00:00.000Z.
Key risks for Synchrony Financial (SYF) investors include: 1. High volatility (43.4% annualized)—the stock can experience significant daily price swings. 2. Broader market and macroeconomic risks (interest rates, inflation, geopolitical events). 3. 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 $20.56B in cash and equivalents.