New York State Teachers Retirement System Has $28.35 Million Stake in Synchrony Financial $SYF

New York State Teachers Retirement System reduced its position in shares of Synchrony Financial (NYSE:SYF) by 2.0% during the 3rd quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor owned 398,959 shares of the financial services provider’s stock after selling 8,136 shares during the quarter. New York State Teachers Retirement System’s holdings in Synchrony Financial were worth $28,346,000 at the end of the most recent reporting period.

A number of other hedge funds and other institutional investors also recently modified their holdings of the company. Investors Towarzystwo Funduszy Inwestycyjnych Spolka Akcyjna acquired a new position in shares of Synchrony Financial during the 2nd quarter worth about $26,000. Salomon & Ludwin LLC lifted its stake in Synchrony Financial by 54.9% in the 3rd quarter. Salomon & Ludwin LLC now owns 412 shares of the financial services provider’s stock valued at $29,000 after purchasing an additional 146 shares during the last quarter. True Wealth Design LLC grew its holdings in Synchrony Financial by 5,787.5% during the second quarter. True Wealth Design LLC now owns 471 shares of the financial services provider’s stock worth $31,000 after purchasing an additional 463 shares during the period. Geneos Wealth Management Inc. increased its position in Synchrony Financial by 337.0% during the first quarter. Geneos Wealth Management Inc. now owns 590 shares of the financial services provider’s stock worth $31,000 after buying an additional 455 shares during the last quarter. Finally, Twin Peaks Wealth Advisors LLC bought a new stake in Synchrony Financial in the second quarter valued at approximately $39,000. Institutional investors own 96.48% of the company’s stock.

Insider Buying and Selling at Synchrony Financial

In related news, insider Curtis Howse sold 12,086 shares of the business’s stock in a transaction that occurred on Monday, November 3rd. The stock was sold at an average price of $74.02, for a total value of $894,605.72. Following the completion of the sale, the insider directly owned 108,271 shares in the company, valued at approximately $8,014,219.42. The trade was a 10.04% decrease in their ownership of the stock. The sale was disclosed in a filing with the SEC, which is accessible through this link. Also, insider Jonathan S. Mothner sold 32,000 shares of the stock in a transaction that occurred 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 sale, the insider directly owned 127,100 shares in the company, valued at $9,252,880. This represents a 20.11% decrease in their position. The SEC filing for this sale provides additional information. Insiders have sold a total of 55,075 shares of company stock valued at $4,036,892 in the last three months. Corporate insiders own 0.33% of the company’s stock.

Key Headlines Impacting Synchrony Financial

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

• Positive Sentiment: Synchrony expanded CareCredit financing to health & wellness providers via an exclusive integration on Clover devices (adds access to 40,000 providers), which should help patient financing originations and deepen merchant relationships. Synchrony Accelerates Growth by Expanding CareCredit Financing
• Positive Sentiment: JPMorgan raised its price target on SYF from $75 to $86 (maintaining a “neutral” rating), implying upside versus recent levels and signaling some analyst confidence in the name despite policy risk. Benzinga
• Positive Sentiment: Zacks highlights Synchrony as a top‑ranked momentum stock under its style scores, which may attract momentum/quant flows if risk sentiment stabilizes. Synchrony (SYF) is a Top-Ranked Momentum Stock
• Neutral Sentiment: Benzinga compiled views from 13 analysts on SYF — mixed perspectives underscore that analysts are split between policy downside and company fundamentals. Useful for tracking shifting consensus. 13 Analysts Assess Synchrony Financial
• Neutral Sentiment: Longer‑term performance note: investors have seen strong 3‑year returns (~178%), a background data point that may attract buyers looking through near‑term volatility. Investors in Synchrony Financial have seen strong returns
• Negative Sentiment: Policy shock — media reports and market commentary on the Administration’s proposal to cap card interest rates at 10% (temporary one‑year cap starting Jan 20) are the primary driver of the selloff; a 10% cap would sharply compress margins on private‑label and subprime lending that underpin much of Synchrony’s profitability. Capital One, credit cards dive as Trump aims to cap interest rates
• Negative Sentiment: Sector reaction: credit lender stocks slid after the White House proposal — analysts and traders are repricing credit portfolios and expected net interest income, pressuring SYF and peers. Credit lender stocks slide on Trump proposal to cap card interest rates
• Negative Sentiment: News stories explicitly tie Synchrony’s share drop to the proposed cap and investor re‑rating; these pieces explain why SYF, as a major private‑label card issuer, is vulnerable to lower allowable APRs. Why Synchrony Financial (SYF) Shares Are Plunging Today
• Negative Sentiment: MarketBeat sector analysis labels SYF among lenders in the “extinction zone” if rate caps persist, outlining the math (cost of funds vs. capped yields) that would erode margins on riskier borrower cohorts. (Sector analysis for context.)

Synchrony Financial Stock Down 8.4%

SYF opened at $79.60 on Tuesday. The stock has a fifty day moving average of $80.07 and a 200-day moving average of $75.03. The company has a market capitalization of $28.67 billion, a P/E ratio of 8.69, a P/E/G ratio of 0.60 and a beta of 1.43. Synchrony Financial has a fifty-two week low of $40.54 and a fifty-two week high of $88.77. The company has a debt-to-equity ratio of 0.91, a quick ratio of 1.24 and a current ratio of 1.24.

Synchrony Financial (NYSE:SYF) last released its quarterly earnings results on Wednesday, October 15th. The financial services provider reported $2.86 EPS for the quarter, beating the consensus estimate of $2.22 by $0.64. Synchrony Financial had a net margin of 15.84% and a return on equity of 22.96%. The business had revenue of $3.82 billion for the quarter, compared to the consensus estimate of $3.79 billion. During the same period in the prior year, the company posted $1.94 earnings per share. Synchrony Financial’s revenue was up .2% compared to the same quarter last year. On average, equities analysts expect that Synchrony Financial will post 7.67 EPS for the current year.

Synchrony Financial announced that its board has authorized a stock buyback program on Wednesday, October 15th that permits the company to buyback $1.00 billion in shares. This buyback authorization permits 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 stock is undervalued.

Synchrony Financial Announces Dividend

The firm also recently announced a quarterly dividend, which was paid on Monday, November 17th. Stockholders of record on Wednesday, November 5th were issued a dividend of $0.30 per share. The ex-dividend date of this dividend was Wednesday, November 5th. This represents a $1.20 annualized dividend and a dividend yield of 1.5%. Synchrony Financial’s dividend payout ratio (DPR) is currently 13.10%.

Analysts Set New Price Targets

Several research analysts have recently commented on SYF shares. Wells Fargo & Company lifted their target price on Synchrony Financial from $95.00 to $100.00 and gave the stock an “overweight” rating in a research note on Monday, January 5th. Barclays raised their price target on Synchrony Financial from $86.00 to $101.00 and gave the company an “overweight” rating in a report on Tuesday, January 6th. BTIG Research reiterated a “buy” rating and issued a $100.00 price objective on shares of Synchrony Financial in a report on Thursday, October 16th. Hsbc Global Res upgraded shares of Synchrony Financial from a “hold” rating to a “strong-buy” rating in a research note on Thursday, October 9th. Finally, JMP Securities lifted their target price on shares of Synchrony Financial from $77.00 to $88.00 and gave the stock a “market outperform” rating in a report on Thursday, September 25th. One analyst has rated the stock with a Strong Buy rating, twelve have given a Buy rating and eleven have assigned a Hold rating to the stock. According to data from MarketBeat, the company currently has an average rating of “Moderate Buy” and a consensus price target of $86.47.

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.