Brokerages Set Synchrony Financial (NYSE:SYF) PT at $86.21

Synchrony Financial (NYSE:SYF) has been given a consensus rating of “Moderate Buy” by the twenty ratings firms that are currently covering the company, Marketbeat.com reports. Eight investment analysts have rated the stock with a hold rating and twelve have given a buy rating to the company. The average twelve-month price target among analysts that have issued ratings on the stock in the last year is $87.3158.

Several analysts recently weighed in on SYF shares. Loop Capital assumed coverage on Synchrony Financial in a report on Friday, May 22nd. They issued a “hold” rating and a $81.00 price objective for the company. Robert W. Baird increased their target price on Synchrony Financial from $83.00 to $86.00 and gave the stock an “outperform” rating in a report on Wednesday, April 22nd. Wells Fargo & Company decreased their target price on Synchrony Financial from $100.00 to $95.00 and set an “overweight” rating for the company in a research report on Thursday, April 9th. BTIG Research downgraded Synchrony Financial from a “buy” rating to a “neutral” rating in a report on Wednesday, April 22nd. Finally, TD Cowen boosted their price target on Synchrony Financial from $89.00 to $90.00 and gave the company a “buy” rating in a report on Tuesday, July 7th.

Insider Buying and Selling at Synchrony Financial

In other Synchrony Financial news, insider Jonathan S. Mothner sold 51,258 shares of the stock in a transaction on Friday, May 15th. The shares were sold at an average price of $71.23, for a total transaction of $3,651,107.34. Following the sale, the insider directly owned 132,664 shares of the company’s stock, valued at approximately $9,449,656.72. This represents a 27.87% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available at the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Company insiders own 0.36% of the company’s stock.

Institutional Investors Weigh In On Synchrony Financial

Institutional investors have recently modified their holdings of the business. Norges Bank bought a new position in Synchrony Financial in the 4th quarter worth about $383,231,000. Bank of America Corp DE raised its holdings in shares of Synchrony Financial by 34.6% during the second quarter. Bank of America Corp DE now owns 13,595,381 shares of the financial services provider’s stock valued at $907,356,000 after buying an additional 3,494,741 shares during the last quarter. PFA Pension Forsikringsaktieselskab acquired a new position in shares of Synchrony Financial during the fourth quarter worth approximately $84,494,000. Worldquant Millennium Advisors LLC boosted its position in shares of Synchrony Financial by 222.5% during the second quarter. Worldquant Millennium Advisors LLC now owns 937,296 shares of the financial services provider’s stock worth $62,555,000 after buying an additional 646,642 shares during the period. Finally, Nordea Investment Management AB grew its holdings in Synchrony Financial by 13.0% in the 4th quarter. Nordea Investment Management AB now owns 5,134,903 shares of the financial services provider’s stock worth $431,999,000 after buying an additional 592,567 shares in the last quarter. Institutional investors own 96.48% of the company’s stock.

Key Synchrony Financial News

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

• Positive Sentiment: Zacks Research raised its estimates for Synchrony’s Q2 2028 earnings, reflecting a slightly more optimistic longer-term outlook for the company. Synchrony Financial analyst estimate update
• Positive Sentiment: Analysts also increased FY2028 EPS estimates, suggesting continued confidence in Synchrony’s earnings power over the next few years. Synchrony Financial analyst estimate update
• Neutral Sentiment: Another pre-earnings note highlighted potential support from stronger purchase volumes and a wider net interest margin, which could help Synchrony beat Q2 expectations. Will Higher Purchase Volumes Fuel Synchrony’s Q2 Earnings Beat?
• Neutral Sentiment: Investors are also watching the company’s July 21 earnings release closely, with market focus centered on whether key operating metrics will support a beat. Countdown to Synchrony (SYF) Q2 Earnings
• Negative Sentiment: Zacks Research trimmed several near- to medium-term EPS estimates, including Q3 2026, Q4 2026, Q1 2027, Q3 2027, Q4 2027, and FY2027, which can pressure the stock by signaling softer expected profitability ahead. Synchrony Financial analyst estimate update

Synchrony Financial Trading Down 0.7%

NYSE SYF opened at $73.74 on Friday. The company has a market capitalization of $24.80 billion, a price-to-earnings ratio of 7.63, a price-to-earnings-growth ratio of 0.69 and a beta of 1.32. The company has a debt-to-equity ratio of 1.08, a current ratio of 1.24 and a quick ratio of 1.24. Synchrony Financial has a 12 month low of $63.08 and a 12 month high of $88.77. The company’s fifty day moving average price is $73.10 and its two-hundred day moving average price is $73.46.

Synchrony Financial (NYSE:SYF) last released its earnings results on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share for the quarter, topping the consensus estimate of $2.14 by $0.13. Synchrony Financial had a net margin of 15.80% and a return on equity of 23.41%. The company had revenue of $3.70 billion during the quarter, compared to the consensus estimate of $3.81 billion. During the same quarter in the previous year, the firm earned $1.89 EPS. The company’s revenue was down 7.4% on a year-over-year basis. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. As a group, research analysts predict that Synchrony Financial will post 9.34 earnings per share for the current fiscal year.

Synchrony Financial announced that its board has authorized a stock repurchase plan on Tuesday, April 21st that allows the company to buyback $0.00 in shares. This buyback authorization allows the financial services provider to reacquire shares of its stock through open market purchases. Stock buyback plans are typically an indication that the company’s board of directors believes its shares are undervalued.

Synchrony Financial Dividend Announcement

The firm also recently disclosed a quarterly dividend, which was paid on Friday, May 15th. Shareholders of record on Tuesday, May 5th were issued a $0.30 dividend. This represents a $1.20 dividend on an annualized basis and a yield of 1.6%. The ex-dividend date of this dividend was Tuesday, May 5th. Synchrony Financial’s payout ratio is currently 12.41%.

About Synchrony Financial

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.