Truist Financial Cuts Synchrony Financial (NYSE:SYF) Price Target to $84.00

Synchrony Financial (NYSE:SYF) had its price objective dropped by equities research analysts at Truist Financial from $92.00 to $84.00 in a research note issued to investors on Thursday,Benzinga reports. The firm presently has a “hold” rating on the financial services provider’s stock. Truist Financial’s price target indicates a potential upside of 14.66% from the stock’s current price.

SYF has been the subject of a number of other research reports. Wells Fargo & Company boosted their price objective on Synchrony Financial from $95.00 to $100.00 and gave the stock an “overweight” rating in a report on Monday, January 5th. Robert W. Baird downgraded Synchrony Financial from a “strong-buy” rating to a “hold” rating in a report on Friday, December 5th. Weiss Ratings restated a “buy (b-)” rating on shares of Synchrony Financial in a research note on Wednesday, January 21st. JPMorgan Chase & Co. cut their price objective on shares of Synchrony Financial from $86.00 to $84.00 and set a “neutral” rating for the company in a report on Wednesday. Finally, Hsbc Global Res raised shares of Synchrony Financial from a “hold” rating to a “strong-buy” rating in a report on Thursday, October 9th. 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 company. According to MarketBeat, Synchrony Financial currently has a consensus rating of “Moderate Buy” and a consensus target price of $87.05.

Synchrony Financial Stock Performance

NYSE SYF traded down $0.16 on Thursday, hitting $73.26. 1,495,077 shares of the stock were exchanged, compared to its average volume of 4,869,630. The business’s fifty day moving average is $80.98 and its 200 day moving average is $75.64. Synchrony Financial has a 52 week low of $40.54 and a 52 week high of $88.77. The company has a market capitalization of $26.39 billion, a PE ratio of 8.01, a P/E/G ratio of 0.50 and a beta of 1.43. The company has a debt-to-equity ratio of 0.98, a current ratio of 1.24 and a quick ratio of 1.24.

Synchrony Financial (NYSE:SYF) last issued its earnings results 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 net margin of 15.72% and a return on equity of 23.07%. The company had revenue of $3.79 billion for the quarter, compared to analysts’ expectations of $3.84 billion. During the same period in the prior year, the firm earned $1.91 EPS. Synchrony Financial’s quarterly 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. Research analysts anticipate that Synchrony Financial will post 7.67 EPS for the current fiscal year.

Synchrony Financial declared that its Board of Directors has initiated a share repurchase plan on Wednesday, October 15th that permits the company to repurchase $1.00 billion in outstanding shares. This repurchase authorization permits the financial services provider to repurchase up to 3.7% of its shares through open market purchases. Shares repurchase plans are typically a sign that the company’s board of directors believes its stock is undervalued.

Insiders Place Their Bets

In other Synchrony Financial news, insider Darrell Owens sold 2,989 shares of Synchrony Financial stock in a transaction dated Monday, November 3rd. The stock was sold at an average price of $74.02, for a total value of $221,245.78. Following the transaction, the insider owned 16,096 shares in the company, valued at $1,191,425.92. The trade was a 15.66% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which is available at this link. Also, insider Jonathan S. Mothner sold 32,000 shares of the stock in a transaction dated Monday, November 17th. The stock was sold at an average price of $72.80, for a total transaction of $2,329,600.00. Following the completion of the transaction, the insider directly owned 127,100 shares of the company’s stock, valued at $9,252,880. This trade represents a 20.11% decrease in their position. The SEC filing for this sale provides additional information. In the last quarter, insiders have sold 55,075 shares of company stock worth $4,036,892. 0.33% of the stock is currently owned by company insiders.

Hedge Funds Weigh In On Synchrony Financial

Institutional investors and hedge funds have recently added to or reduced their stakes in the stock. Westside Investment Management Inc. grew its stake in shares of Synchrony Financial by 100.0% during the third 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 during the last quarter. Investors Towarzystwo Funduszy Inwestycyjnych Spolka Akcyjna acquired a new stake in shares of Synchrony Financial during the 2nd quarter valued at $26,000. FWL Investment Management LLC bought a new stake in Synchrony Financial during the 3rd quarter worth $26,000. Salomon & Ludwin LLC increased its holdings in 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 in the last quarter. Finally, Palisade Asset Management LLC bought a new position in Synchrony Financial in the third quarter valued at about $29,000. 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: Q4 EPS beat and bull-ish FY‑2026 guide — SYF reported $2.18 EPS vs. $2.02 est., driven by margin expansion and lower charge‑offs; management set FY‑2026 guidance of $9.10–$9.50, which signals meaningful earnings power ahead. Earnings Transcript
• Positive Sentiment: Record purchase volume and BNPL traction — company reported a record $49B in Q4 purchase volume and said BNPL has lifted sales without eroding card performance, supporting revenue mix and growth channels. PYMNTS
• Positive Sentiment: Buy ratings and price targets reaffirmed/upgraded — BTIG and TD Cowen reiterated Buy ratings (price targets ~$95–96) and Compass Point upgraded to Buy ($96 PT), signaling conviction in longer‑term upside. TipRanks / BTIG
• Neutral Sentiment: Dividend declared — SYF announced a $0.30 quarterly dividend (ex‑div Feb 6), a modest yield that supports income investors but is unlikely to sharply move the stock on its own.
• Neutral Sentiment: Some analysts cut price targets but kept constructive ratings — Barclays trimmed its PT ($101→$93) but kept an Overweight stance, leaving sizable upside in models even after the adjustment. Barclays / TickerReport
• Negative Sentiment: Profit hit by restructuring charge and rising costs — Reuters and other outlets highlighted a restructuring charge and higher operating costs that weighed on Q4 profit and raised near‑term expense uncertainty. Reuters
• Negative Sentiment: Revenue softness and cautious growth commentary — revenues were roughly flat and slightly missed some estimates; management flagged cautious loan‑growth dynamics and near‑term investment pressures, which some analysts say could cap near‑term EPS. MSN deep dive
• Negative Sentiment: Analyst downgrades / PT trims — JPMorgan and RBC lowered price targets (JPM: $86→$84 neutral; RBC: $91→$85 sector perform), signaling reduced near‑term conviction among some institutional investors. JPM / TickerReport Benzinga

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.