Royal Bank Of Canada Lowers Synchrony Financial (NYSE:SYF) Price Target to $85.00

Synchrony Financial (NYSE:SYF) had its target price decreased by research analysts at Royal Bank Of Canada from $91.00 to $85.00 in a note issued to investors on Wednesday,Benzinga reports. The firm presently has a “sector perform” rating on the financial services provider’s stock. Royal Bank Of Canada’s price target would indicate a potential upside of 15.86% from the stock’s current price.

A number of other equities analysts have also issued reports on the stock. TD Cowen raised their target price on shares of Synchrony Financial from $91.00 to $100.00 and gave the stock a “buy” rating in a research report on Thursday, January 8th. Wolfe Research started coverage on shares of Synchrony Financial in a research note on Monday, December 8th. They set an “outperform” rating and a $92.00 price target for the company. Keefe, Bruyette & Woods raised their price objective on shares of Synchrony Financial from $95.00 to $98.00 and gave the stock an “outperform” rating in a research report on Friday, January 2nd. BTIG Research reduced their target price on shares of Synchrony Financial from $100.00 to $96.00 and set a “buy” rating for the company in a report on Tuesday. Finally, Barclays decreased their target price on shares of Synchrony Financial from $101.00 to $93.00 and set an “overweight” rating for the company in a research note on Wednesday. One analyst has rated the stock with a Strong Buy rating, thirteen have assigned a Buy rating and nine have given a Hold rating to the stock. Based on data from MarketBeat, Synchrony Financial presently has a consensus rating of “Moderate Buy” and a consensus price target of $87.05.

Synchrony Financial Stock Performance

Shares of SYF stock opened at $73.37 on Wednesday. The stock’s 50-day moving average is $81.00 and its two-hundred day moving average is $75.63. The company has a debt-to-equity ratio of 0.98, a quick ratio of 1.24 and a current ratio of 1.24. Synchrony Financial has a 1 year low of $40.54 and a 1 year high of $88.77. The firm has a market cap of $26.42 billion, a price-to-earnings ratio of 7.90, a PEG ratio of 0.51 and a beta of 1.43.

Synchrony Financial (NYSE:SYF) last announced 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. The firm had revenue of $3.79 billion during the quarter, compared to analysts’ expectations of $3.84 billion. Synchrony Financial had a return on equity of 23.07% and a net margin of 15.72%.The business’s revenue was down .2% on a year-over-year basis. During the same period in the prior year, the firm earned $1.91 EPS. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. Analysts predict that Synchrony Financial will post 7.67 earnings per share for the current year.

Synchrony Financial announced that its Board of Directors has approved a share buyback plan on Wednesday, October 15th that permits the company to repurchase $1.00 billion in shares. This repurchase authorization permits the financial services provider to reacquire up to 3.7% of its stock through open market purchases. Stock repurchase plans are usually an indication that the company’s leadership believes its shares are undervalued.

Insiders Place Their Bets

In other news, insider Curtis Howse sold 12,086 shares of the stock in a transaction that occurred on Monday, November 3rd. The stock was sold at an average price of $74.02, for a total transaction of $894,605.72. Following the completion of the transaction, the insider directly owned 108,271 shares of the company’s stock, valued at approximately $8,014,219.42. This represents a 10.04% decrease in their position. The sale was disclosed in a filing with the SEC, which is accessible through this hyperlink. Also, Director Arthur W. Coviello, Jr. sold 8,000 shares of the firm’s stock in a transaction that occurred on Monday, November 3rd. The shares were sold at an average price of $73.93, for a total value of $591,440.00. Following the completion of the sale, the director directly owned 35,769 shares of the company’s stock, valued at $2,644,402.17. This represents a 18.28% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Over the last 90 days, insiders have sold 55,075 shares of company stock worth $4,036,892. Company insiders own 0.32% of the company’s stock.

Hedge Funds Weigh In On Synchrony Financial

Institutional investors and hedge funds have recently made changes to their positions in the stock. State Street Corp increased its holdings in Synchrony Financial by 1.0% in the third quarter. State Street Corp now owns 19,080,903 shares of the financial services provider’s stock valued at $1,355,698,000 after buying an additional 191,920 shares in the last quarter. Bank of America Corp DE grew its holdings in shares of Synchrony Financial by 5.4% in the 3rd quarter. Bank of America Corp DE now owns 14,335,213 shares of the financial services provider’s stock worth $1,018,517,000 after acquiring an additional 739,832 shares during the period. Ameriprise Financial Inc. grew its holdings in shares of Synchrony Financial by 8.3% in the 2nd quarter. Ameriprise Financial Inc. now owns 5,307,077 shares of the financial services provider’s stock worth $354,194,000 after acquiring an additional 406,796 shares during the period. Nordea Investment Management AB increased its stake 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 valued at $431,999,000 after purchasing an additional 592,567 shares in the last quarter. Finally, Norges Bank acquired a new position in Synchrony Financial during the second quarter worth $299,360,000. 96.48% of the stock is owned by institutional investors and hedge funds.

Key Headlines Impacting Synchrony Financial

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

• Positive Sentiment: Schaeffer/Forbes says SYF could rally back toward prior highs, arguing valuation and buyback-driven EPS support upside. Synchrony Financial Stock Could Rally Back Near Record Peak
• Positive Sentiment: Compass Point upgraded SYF to a Buy with a $96 target, citing attractive multi‑year earnings leverage. Compass Point upgrade (Finviz)
• Positive Sentiment: BTIG reaffirmed a Buy and $96 target, saying near‑term expense pressures mask 2026 earnings power. BTIG buy reaffirmed
• Positive Sentiment: TD Cowen/TipRanks maintained a Buy with a $95 target, highlighting potential 2027 earnings upside after near‑term investments. TD Cowen buy maintained
• Neutral Sentiment: Q4 2025 earnings call transcript and deep dives: SYF reported $2.18 EPS (beat) on slightly below‑estimate revenue and reiterated FY26 EPS guidance range; useful for details on restructuring and expense outlook. Q4 2025 earnings call transcript
• Neutral Sentiment: Analysis (Seeking Alpha) notes 2025 EPS growth via margin expansion and buybacks but flags flat loan growth, rising provisions and political/regulatory risks that could pressure future earnings. Synchrony Financial: Growth At A Cost
• Negative Sentiment: Reuters reports profit was hit by a restructuring charge and higher costs, a direct near‑term earnings headwind cited by management. Synchrony Financial profit hit by restructuring charge, higher costs
• Negative Sentiment: Multiple firms trimmed price targets this week (Truist $92→$84, JPMorgan $86→$84, RBC $91→$85, Barclays $101→$93), putting near‑term downward pressure despite some retained “overweight”/“neutral” stances. Analyst price target changes (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.