Synchrony Financial (NYSE:SYF) Price Target Lowered to $93.00 at Barclays

Synchrony Financial (NYSE:SYF) had its price target lowered by equities researchers at Barclays from $101.00 to $93.00 in a research note issued to investors on Wednesday,Benzinga reports. The firm currently has an “overweight” rating on the financial services provider’s stock. Barclays‘s price objective would suggest a potential upside of 25.31% from the stock’s current price.

Other equities analysts also recently issued reports about the company. Wells Fargo & Company upped their target price on Synchrony Financial from $95.00 to $100.00 and gave the company an “overweight” rating in a research report on Monday, January 5th. Weiss Ratings reissued a “buy (b-)” rating on shares of Synchrony Financial in a report on Wednesday, January 21st. TD Cowen raised 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. Truist Financial lifted their target price on Synchrony Financial from $78.00 to $92.00 and gave the company a “hold” rating in a report on Monday, December 22nd. Finally, Robert W. Baird downgraded Synchrony Financial from a “strong-buy” rating to a “hold” rating in a report on Friday, December 5th. One analyst has rated the stock with a Strong Buy rating, thirteen have issued a Buy rating and nine have assigned a Hold rating to the company. According to data from MarketBeat.com, the stock has a consensus rating of “Moderate Buy” and a consensus target price of $87.21.

Synchrony Financial Price Performance

Shares of SYF stock traded up $1.22 during trading hours on Wednesday, hitting $74.22. The stock had a trading volume of 1,245,862 shares, compared to its average volume of 4,732,987. Synchrony Financial has a one year low of $40.54 and a one year high of $88.77. The stock has a market capitalization of $26.73 billion, a price-to-earnings ratio of 8.09, a PEG ratio of 0.53 and a beta of 1.43. The stock’s 50-day moving average price is $80.96 and its two-hundred day moving average price is $75.66. The company has a debt-to-equity ratio of 0.91, a current ratio of 1.24 and a quick ratio of 1.24.

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

Insider Transactions at Synchrony Financial

In related news, Director Arthur W. Coviello, Jr. sold 8,000 shares of the company’s stock in a transaction dated Monday, November 3rd. The stock was sold at an average price of $73.93, for a total value of $591,440.00. Following the completion of the sale, the director owned 35,769 shares in the company, valued at approximately $2,644,402.17. This represents a 18.28% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which can be accessed through this link. Also, insider Curtis Howse sold 12,086 shares of the company’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 transaction of $894,605.72. Following the completion of the transaction, the insider owned 108,271 shares of the company’s stock, valued at $8,014,219.42. This trade represents a 10.04% decrease in their position. The SEC filing for this sale provides additional information. Insiders have sold 55,075 shares of company stock valued at $4,036,892 in the last three months. Company insiders own 0.33% of the company’s stock.

Institutional Investors Weigh In On Synchrony Financial

Institutional investors have recently added to or reduced their stakes in the business. Westside Investment Management Inc. increased its holdings in Synchrony Financial by 100.0% in the third quarter. Westside Investment Management Inc. now owns 358 shares of the financial services provider’s stock worth $25,000 after purchasing an additional 179 shares in the last quarter. Investors Towarzystwo Funduszy Inwestycyjnych Spolka Akcyjna bought a new position in shares of Synchrony Financial during the 2nd quarter worth approximately $26,000. FWL Investment Management LLC bought a new stake in shares of Synchrony Financial during the 3rd quarter worth $26,000. Salomon & Ludwin LLC raised its holdings in shares of Synchrony Financial by 54.9% in the 3rd quarter. Salomon & Ludwin LLC now owns 412 shares of the financial services provider’s stock worth $29,000 after purchasing an additional 146 shares during the period. Finally, Palisade Asset Management LLC bought a new stake in Synchrony Financial in the 3rd quarter worth approximately $29,000. 96.48% of the stock is owned by institutional investors.

Key Synchrony Financial News

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

• Positive Sentiment: Q4 earnings modestly beat expectations and efficiency improved, driven by margin expansion and buybacks, supporting near‑term earnings credibility. Synchrony (SYF) Q4 Earnings Beat Estimates
• Positive Sentiment: Record purchase volume ($49B) and BNPL contribution indicate demand/portfolio momentum that can support revenue and future loan growth. Synchrony Says BNPL Lifts Sales Without Hurting Cards
• Positive Sentiment: Major sell‑side shops (BTIG, TD Cowen) reaffirmed Buy with ~$95–96 price targets, citing attractive valuation and multi‑year earnings upside — a support for the stock over time. Synchrony Financial: Buy Rating Reaffirmed
• Neutral Sentiment: The company declared a $0.30 quarterly dividend (ex‑div Feb 6), a predictable cash return but modest yield (~1.6%). Synchrony Reports Fourth Quarter 2025 Results; Dividend Announced
• Neutral Sentiment: Management issued FY‑2026 EPS guidance of $9.10–$9.50 (close to Street consensus) and discussed product expansion; guidance implies limited EPS growth in 2026 as investments and credit provisioning offset volume gains. Synchrony Reports Fourth Quarter 2025 Results; Dividend Announced
• Neutral Sentiment: Full Q4 earnings call/transcript provides detail on growth drivers, margins, and risks for active investors wanting management color. Synchrony (SYF) Q4 2025 Earnings Call Transcript
• Negative Sentiment: Revenue slightly missed Street expectations and loan receivables were softer — a near‑term growth headwind that pressured sentiment. SYF misses Q4 CY2025 sales expectations
• Negative Sentiment: Profit was reduced by a restructuring charge and higher costs tied to strategic investments, which, along with planned RSA/capital spending, weigh on near‑term margins. Synchrony Financial profit hit by restructuring charge, higher costs
• Negative Sentiment: Independent commentary flags a “growth at a cost” dynamic: 2025 EPS gains came from margin moves and buybacks, but 2026 outlook is flat due to higher loss provisions and RSA costs; political risk around credit‑rate caps remains a material downside scenario. Synchrony Financial: Growth At A Cost

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.