Synchrony Financial (NYSE:SYF) Stock Has Consensus Price Target of $87.25 According to Analysts

Synchrony Financial (NYSE:SYF) has earned an average recommendation of “Moderate Buy” from the nineteen ratings firms that are covering the company, Marketbeat.com reports. Nine analysts have rated the stock with a hold rating and ten have given a buy rating to the company. The average 12-month target price among brokerages that have updated their coverage on the stock in the last year is $87.83.

A number of equities analysts have recently commented on SYF shares. BMO Capital Markets assumed coverage on Synchrony Financial in a research report on Friday, October 9th. They set a “market perform” rating and a $81.00 price objective for the company. Barclays raised their price target on Synchrony Financial from $93.00 to $94.00 and gave the company an “overweight” rating in a research note on Wednesday. HSBC upped their price target on Synchrony Financial from $93.00 to $97.00 and gave the company a “buy” rating in a report on Monday, July 13th. TD Cowen dropped their price target on shares of Synchrony Financial from $90.00 to $86.00 and set a “buy” rating on the stock in a research note on Tuesday, October 6th. Finally, Morgan Stanley cut their price objective on shares of Synchrony Financial from $84.00 to $83.00 and set an “equal weight” rating on the stock in a report on Monday, October 12th.

Synchrony Financial News Summary

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

• Positive Sentiment: Zacks upgraded Synchrony to Rank #2 (Buy), citing improving earnings prospects and estimate revisions. The upgrade may support near-term investor interest. Synchrony upgraded to Buy
• Positive Sentiment: Synchrony raised its FY 2026 EPS guidance to $9.50, above the $9.44 analyst consensus, reinforcing the view that earnings could remain resilient.
• Positive Sentiment: Barclays raised its price target to $94 from $93 and maintained an Overweight rating. The target implies substantial upside and reflects confidence following the company’s third-quarter results.
• Positive Sentiment: CareCredit launched CareCredit Pay Later, an installment-loan option offered alongside its revolving credit card. The product could broaden consumer payment choices, support healthcare-provider adoption and strengthen Synchrony’s digital strategy. CareCredit Pay Later launch
• Positive Sentiment: Third-quarter results included EPS of $2.68, ahead of the $2.42 consensus estimate, while commentary highlighted consumer strength and digital growth opportunities.
• Neutral Sentiment: JPMorgan raised its price target to $77 from $74 but kept a Neutral rating, indicating modest valuation upside without a strong bullish recommendation.
• Neutral Sentiment: Analyst views remain mixed, and value-focused comparisons with other financial-services stocks may limit conviction despite Synchrony’s low valuation metrics.
• Negative Sentiment: Evercore downgraded Synchrony from Outperform to In Line with a $78 target, citing higher interest rates and macroeconomic volatility. Those factors could pressure funding costs, credit quality and consumer borrowing demand.

Hedge Funds Weigh In On Synchrony Financial

Several large investors have recently bought and sold shares of the stock. XXI Wealth LLC increased its position in shares of Synchrony Financial by 7.3% during the third quarter. XXI Wealth LLC now owns 11,951 shares of the financial services provider’s stock worth $848,000 after purchasing an additional 813 shares in the last quarter. Yousif Capital Management LLC boosted its position in shares of Synchrony Financial by 0.6% in the 3rd quarter. Yousif Capital Management LLC now owns 41,085 shares of the financial services provider’s stock valued at $2,916,000 after purchasing an additional 244 shares during the period. Root Financial Partners LLC purchased a new position in Synchrony Financial during the 3rd quarter worth approximately $190,000. Vest Financial LLC grew its stake in Synchrony Financial by 13.7% during the 3rd quarter. Vest Financial LLC now owns 1,086,144 shares of the financial services provider’s stock worth $77,084,000 after buying an additional 131,123 shares during the last quarter. Finally, PFS Partners LLC grew its stake in Synchrony Financial by 598.9% during the 3rd quarter. PFS Partners LLC now owns 650 shares of the financial services provider’s stock worth $46,000 after buying an additional 557 shares during the last quarter. Institutional investors and hedge funds own 96.48% of the company’s stock.

Synchrony Financial Trading Up 1.3%

SYF opened at $75.10 on Tuesday. The business has a fifty day moving average price of $75.57 and a 200 day moving average price of $74.72. The company has a debt-to-equity ratio of 1.15, a current ratio of 1.23 and a quick ratio of 1.22. Synchrony Financial has a 12 month low of $63.08 and a 12 month high of $88.77. The stock has a market capitalization of $24.44 billion, a price-to-earnings ratio of 7.62, a PEG ratio of 0.85 and a beta of 1.35.

Synchrony Financial (NYSE:SYF) last posted its quarterly earnings results on Tuesday, October 20th. The financial services provider reported $2.68 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $2.42 by $0.26. The company had revenue of $3.82 billion for the quarter, compared to analyst estimates of $3.81 billion. Synchrony Financial had a return on equity of 22.26% and a net margin of 14.59%. During the same quarter last year, the company earned $2.86 EPS. Sell-side analysts expect that Synchrony Financial will post 9.50 earnings per share for the current fiscal year.

Synchrony Financial Dividend Announcement

The business also recently announced a quarterly dividend, which will be paid on Monday, November 16th. Investors of record on Thursday, November 5th will be given a $0.34 dividend. This represents a $1.36 dividend on an annualized basis and a dividend yield of 1.8%. The ex-dividend date of this dividend is Thursday, November 5th. Synchrony Financial’s dividend payout ratio (DPR) is 13.93%.

About Synchrony Financial

Synchrony Financial (NYSE: SYF) is a consumer financial services company that provides private-label credit cards, co-branded credit cards and promotional financing programs. Its financing products are offered through retailers, manufacturers, healthcare providers and other businesses, helping consumers pay for purchases over time.

The company serves a range of industries, including digital commerce, home improvement, furniture, automotive, healthcare, jewelry, apparel, electronics and specialty retail.