Synchrony Financial (SYF) offers credit products and banking services with a market cap of $26.6 billion. Despite lagging behind the S&P 500 Index, SYF stock outperformed the State Street Financial Select Sector SPDR ETF. The company reported better-than-expected Q4 2025 adjusted EPS but forecast lower 2025 net revenue due to moderating consumer spending and expected rate cuts.

Analysts expect SYF’s adjusted EPS to decline in 2026, but the company has a history of beating estimates. The stock has a consensus “Moderate Buy” rating from 24 analysts, with a mean price target of $89.67 representing a 21.3% premium to current levels. Morgan Stanley analyst Jeffrey Adelson maintained a “Hold” rating with a price target of $83.

The Street-high price target for SYF is $103, implying a potential upside of 39.4%. Analysts are divided with 13 “Strong Buys,” one “Moderate Buy,” and 10 “Holds” on the stock. Sohini Mondal did not hold any positions in mentioned securities.

Read more at Yahoo Finance: Are Wall Street Analysts Predicting Synchrony Financial Stock Will Climb or Sink?