Key Highlights

● SYF shares ended 9 October 2026 at $72.78.

● Market data consensus target is $87.80, implying about 20.6% upside.

● Targets range from $78 to $98.

● BMO Capital Markets initiated coverage on 9 October with a $81 target.

Synchrony Financial (NYSE:SYF), a member of the S&P 500, ended Friday 9 October 2026 at $72.78. Analyst targets sit well above that level, with the consensus implying upside of about 20.6%. Recent broker revisions have mostly been downward.

What Is the Latest Analyst Price Target?

Market data shows an average target of $87.80 from 16 analysts over the last 12 months, with a high of $98 and a low of $78. That implies upside of about 20.6% from the $72.78 close. The second data set, using third-party data, reports a mean of $88.17, a median of $88.50, a high of $104 and a low of $78 from 24 analysts.

What Are Wall Street Analysts Saying?

Market data shows nine Buy and seven Hold ratings with no Sell, a Moderate Buy consensus. The second data set counts 16 Buy or Strong Buy ratings and eight Hold, also with no Sell.

Recent actions have tended to cut targets. BMO Capital Markets initiated coverage on 9 October with a Market Perform rating and an $81 target. On 6 October TD Cowen lowered its target from $90 to $86 at Buy, and on 5 October UBS cut from $87 to $81 at Neutral. Wolfe Research raised its target from $85 to $90 on 25 August with an Outperform rating. In July, Wells Fargo cut from $95 to $88 at Overweight, Royal Bank of Canada cut from $85 to $80 at Sector Perform, Baird raised from $86 to $90, HSBC raised from $93 to $97 at Buy, and JPMorgan lowered from $81 to $78 at Neutral.

What Could Help the Stock Reach the Price Target?

Even so, the broker pattern suggests some analysts remain constructive, with HSBC at $97, Baird and Wolfe at $90 and TD Cowen at $86. If consumer credit quality and loan growth hold up, those more positive views could be supported. The shares trade below all of the named targets, so a re-rating towards even the lowest, JPMorgan's $78, would be needed.

What Could Prevent the Stock Reaching the Target?

Three of the four most recent target changes were reductions, which suggests analysts are lowering expectations. Credit card lenders are exposed to consumer delinquencies, regulatory proposals on fees, and shifts in partner relationships, any of which can alter earnings. With seven Hold ratings, the panel is not unanimous, and the gap between share price and target means that the shares would need substantial gains for the consensus to be reached.

What Should Investors Watch Next?

After that report, changes in analyst targets, credit metrics and regulatory news will be closely watched.

How Analysts See Synchrony Financial After the Latest Close

Synchrony Financial closed at $72.78 on 9 October 2026, against a market data consensus target of $87.80. BMO Capital Markets initiated coverage on 9 October with a Market Perform rating and an $81 target.