Stamford, Connecticut-based Synchrony Financial (SYF) is a premier consumer financial services company that delivers one of the industry's most comprehensive digitally enabled product suites. Valued at $25.8 billion by market cap, the company provides a range of credit products such as credit cards, commercial credit products, and consumer installment loans through programs established with a diverse group of national and regional retailers, local merchants, manufacturers, and more.

Shares of this consumer credit company have outperformed the broader market over the past year. SYF has gained 54.5% over this time frame, while the broader S&P 500 Index ($SPX) has rallied nearly 21.9%. However, in 2025, SYF stock is up 5.3%, compared to SPX’s 7.8% gains on a YTD basis. 

Zooming in further, SYF’s outperformance is also apparent compared to the Financial Select Sector SPDR Fund (XLF). The exchange-traded fund has gained about 23.6% over the past year. However, the ETF’s 6.3% returns on a YTD basis outshine the stock’s gains over the same time frame.

SYF’s outperformance is driven by its strategic partnership with Dental Intelligence, which integrates CareCredit into the platform to streamline patient financing and enhance administrative efficiency for dental practices. This collaboration simplifies financing conversations and optimizes practice operations, enhancing the patient care experience.

On Jul. 22, SYF shares closed up more than 1% after reporting its Q2 results. Its EPS of $2.50 topped Wall Street expectations of $1.72. The company’s net interest income was $4.52 billion, beating Wall Street forecasts of $4.50 billion.

For the current fiscal year, ending in December, analysts expect SYF’s EPS to grow 24.3% to $8.19 on a diluted basis. The company’s earnings surprise history is impressive. It beat the consensus estimate in each of the last four quarters.

Among the 24 analysts covering SYF stock, the consensus is a “Moderate Buy.” That’s based on 14 “Strong Buy” ratings, one “Moderate Buy,” and nine “Holds.”

This configuration is more bullish than a month ago, with 13 analysts suggesting a “Strong Buy,” and one recommending a “Strong Sell.”

On Aug. 1, Rothschild & Co Redburn initiated coverage of SYF with a “Neutral” rating and $72 price target, implying a potential upside of 5.2% from current levels.

The mean price target of $78.62 represents a 14.9% premium to SYF’s current price levels. The Street-high price target of $100 suggests an ambitious upside potential of 46.1%.