Synchrony Financial

SYF: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Synchrony Financial: Increasing Our Fair Value Estimate to $72 From $60

Michael Miller

Dec 16, 2025

2025 has been a good year for Synchrony, with low credit costs and lower spending on retailer share arrangements more than offsetting the bank's anemic loan growth.

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To further protect the integrity of our editorial content, we keep a strict separation between our sales teams and authors to remove any pressure or influence on our analyses and research.

Read our editorial policy to learn more about our process.

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