JPMorgan Chase & Co. Lowers Synchrony Financial (NYSE:SYF) Price Target to $84.00

Synchrony Financial (NYSE:SYF) had its price objective cut by equities research analysts at JPMorgan Chase & Co. from $86.00 to $84.00 in a research note issued to investors on Wednesday,Benzinga reports. The firm currently has a “neutral” rating on the financial services provider’s stock. JPMorgan Chase & Co.‘s price objective would indicate a potential upside of 14.28% from the stock’s current price.

SYF has been the topic of several other reports. Weiss Ratings reiterated a “buy (b-)” rating on shares of Synchrony Financial in a research note on Wednesday, January 21st. TD Cowen lifted their price objective on Synchrony Financial from $91.00 to $100.00 and gave the company a “buy” rating in a research note on Thursday, January 8th. Keefe, Bruyette & Woods boosted their price target on shares of Synchrony Financial from $95.00 to $98.00 and gave the company an “outperform” rating in a research report on Friday, January 2nd. HSBC raised Synchrony Financial from a “hold” rating to a “buy” rating and upped their price objective for the stock from $73.00 to $81.00 in a report on Friday, October 10th. Finally, Truist Financial upped their target price on Synchrony Financial from $78.00 to $92.00 and gave the company a “hold” rating in a research note on Monday, December 22nd. One investment analyst has rated the stock with a Strong Buy rating, thirteen have given a Buy rating and nine have given a Hold rating to the stock. Based on data from MarketBeat, the company currently has a consensus rating of “Moderate Buy” and an average price target of $87.47.

Synchrony Financial Price Performance

NYSE SYF traded up $0.50 during trading hours on Wednesday, reaching $73.50. The company’s stock had a trading volume of 5,010,563 shares, compared to its average volume of 4,930,263. The company has a market capitalization of $26.47 billion, a price-to-earnings ratio of 8.02, a PEG ratio of 0.53 and a beta of 1.43. The firm’s 50-day moving average price is $80.96 and its 200-day moving average price is $75.66. The company has a quick ratio of 1.24, a current ratio of 1.24 and a debt-to-equity ratio of 0.91. Synchrony Financial has a 1 year low of $40.54 and a 1 year high of $88.77.

Synchrony Financial (NYSE:SYF) last posted its quarterly earnings data on Tuesday, January 27th. The financial services provider reported $2.18 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $2.02 by $0.16. Synchrony Financial had a return on equity of 22.96% and a net margin of 15.84%.The company had revenue of $3.79 billion during the quarter, compared to analysts’ expectations of $3.84 billion. During the same quarter in the previous year, the business earned $1.91 EPS. Synchrony Financial’s revenue was down .2% compared to the same quarter last year. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. On average, equities research analysts predict that Synchrony Financial will post 7.67 EPS for the current fiscal year.

Synchrony Financial announced that its Board of Directors has initiated a stock buyback program on Wednesday, October 15th that authorizes the company to buyback $1.00 billion in shares. This buyback authorization authorizes the financial services provider to buy up to 3.7% of its shares through open market purchases. Shares buyback programs are usually a sign that the company’s leadership believes its shares are undervalued.

Insiders Place Their Bets

In related news, insider Jonathan S. Mothner sold 32,000 shares of the stock in a transaction on Monday, November 17th. The stock was sold at an average price of $72.80, for a total value of $2,329,600.00. Following the completion of the sale, the insider directly owned 127,100 shares in the company, valued at $9,252,880. This represents a 20.11% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which is available at this hyperlink. Also, insider Darrell Owens sold 2,989 shares of the business’s stock in a transaction that occurred on Monday, November 3rd. The shares were sold at an average price of $74.02, for a total value of $221,245.78. Following the sale, the insider owned 16,096 shares of the company’s stock, valued at approximately $1,191,425.92. This represents a 15.66% decrease in their position. The SEC filing for this sale provides additional information. In the last three months, insiders sold 55,075 shares of company stock valued at $4,036,892. Corporate insiders own 0.33% of the company’s stock.

Institutional Investors Weigh In On Synchrony Financial

Several institutional investors and hedge funds have recently made changes to their positions in SYF. Westside Investment Management Inc. increased its stake in Synchrony Financial by 100.0% in the 3rd quarter. Westside Investment Management Inc. now owns 358 shares of the financial services provider’s stock worth $25,000 after buying an additional 179 shares in the last quarter. Investors Towarzystwo Funduszy Inwestycyjnych Spolka Akcyjna purchased a new position in shares of Synchrony Financial in the second quarter worth $26,000. FWL Investment Management LLC acquired a new stake in Synchrony Financial during the 3rd quarter worth about $26,000. Salomon & Ludwin LLC grew its position in shares of Synchrony Financial by 54.9% during the 3rd quarter. Salomon & Ludwin LLC now owns 412 shares of the financial services provider’s stock valued at $29,000 after acquiring an additional 146 shares during the period. Finally, Palisade Asset Management LLC acquired a new stake in Synchrony Financial in the 3rd quarter worth about $29,000. Institutional investors own 96.48% of the company’s stock.

Key Headlines Impacting Synchrony Financial

Here are the key news stories impacting Synchrony Financial this week:

• Positive Sentiment: Q4 EPS topped expectations (reported $2.18 vs. $2.02 est.), driven by improved efficiency, lower credit losses and buybacks — a key reason investors are reacting favorably. Press Release
• Positive Sentiment: Compass Point upgraded SYF from Neutral to Buy and set a $96 price target, signaling confidence in multi‑quarter earnings upside. Finviz
• Positive Sentiment: BTIG and TD Cowen both reaffirmed Buy ratings with ~$95–$96 targets, highlighting that some brokers view current weakness as valuation entry points for 2026–2027 upside. BTIG
• Positive Sentiment: Company announced a cash dividend of $0.30/share (record Feb. 6), supporting income investors and reinforcing capital return discipline. PR Newswire
• Neutral Sentiment: FY‑2026 guidance was set to $9.10–$9.50 EPS, roughly in line with consensus — leaves room for beats/misses but offers a base for modeling. Guidance
• Neutral Sentiment: Barclays trimmed its price target to $93 but kept an Overweight rating — a mixed signal that reduces implied upside while still supporting the buy case. TickerReport
• Negative Sentiment: Royal Bank of Canada cut its target to $85 and moved to Sector Perform, lowering the street’s near‑term enthusiasm and trimming implied upside. Benzinga
• Negative Sentiment: Company profit was reduced by a restructuring charge and higher operating costs; revenue slightly missed estimates, which fuels caution about margin pressure near term. Reuters
• Negative Sentiment: Analyst and commentary pieces warn of 2026 headwinds (higher provisions, RSA costs, limited margin levers) and political risk around potential credit‑card rate caps that could materially affect the business model. Seeking Alpha

Synchrony Financial Company Profile

Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.

Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences.