Analysts Set Synchrony Financial (NYSE:SYF) Target Price at $87.05

Shares of Synchrony Financial (NYSE:SYF) have earned a consensus rating of “Moderate Buy” from the twenty-one analysts that are presently covering the company, MarketBeat Ratings reports. Seven investment analysts have rated the stock with a hold rating, thirteen have given a buy rating and one has issued a strong buy rating on the company. The average 12 month target price among analysts that have issued ratings on the stock in the last year is $87.1053.

A number of research firms have recently commented on SYF. TD Cowen boosted their target price on shares of Synchrony Financial from $91.00 to $100.00 and gave the stock a “buy” rating in a research note on Thursday, January 8th. Wolfe Research began coverage on Synchrony Financial in a report on Monday, December 8th. They issued an “outperform” rating and a $92.00 price objective on the stock. Compass Point upgraded Synchrony Financial from a “neutral” rating to a “buy” rating and set a $96.00 price objective for the company in a research note on Wednesday, January 28th. Royal Bank Of Canada decreased their target price on Synchrony Financial from $91.00 to $85.00 and set a “sector perform” rating on the stock in a research report on Wednesday, January 28th. Finally, Truist Financial lowered their price target on Synchrony Financial from $92.00 to $84.00 and set a “hold” rating on the stock in a research note on Thursday, January 29th.

Synchrony Financial Trading Up 0.3%

Shares of SYF stock opened at $71.29 on Thursday. Synchrony Financial has a 1-year low of $40.54 and a 1-year high of $88.77. The company has a market cap of $24.78 billion, a price-to-earnings ratio of 7.67, a PEG 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. The stock has a 50 day simple moving average of $80.07 and a 200-day simple moving average of $75.85.

Synchrony Financial (NYSE:SYF) last issued its quarterly earnings results on Tuesday, January 27th. The financial services provider reported $2.18 EPS for the quarter, topping the consensus estimate of $2.02 by $0.16. The company had revenue of $3.79 billion during the quarter, compared to analyst estimates of $3.84 billion. Synchrony Financial had a net margin of 15.72% and a return on equity of 23.07%. The firm’s revenue was down .2% compared to the same quarter last year. During the same quarter in the previous year, the firm earned $1.91 EPS. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. On average, equities research analysts expect that Synchrony Financial will post 7.67 EPS for the current fiscal year.

Synchrony Financial Announces Dividend

The firm also recently announced a quarterly dividend, which will be paid on Tuesday, February 17th. Stockholders of record on Friday, February 6th will be issued a dividend of $0.30 per share. The ex-dividend date of this dividend is Friday, February 6th. This represents a $1.20 dividend on an annualized basis and a dividend yield of 1.7%. Synchrony Financial’s dividend payout ratio is presently 12.92%.

Key Headlines Impacting Synchrony Financial

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

• Positive Sentiment: Robert W. Baird upgraded SYF from Neutral to Outperform and set an $83 price target (≈16% upside vs. the current level), a clear catalyst for buying interest. Baird upgrades Synchrony Financial (SYF)
• Positive Sentiment: An analyst lifted Q1 EPS estimates for Synchrony, supporting the view that near-term earnings will remain strong and backing multiple analyst upgrades. Q1 EPS Estimate for Synchrony Financial Lifted by Analyst
• Positive Sentiment: Zacks Research published a long-term FY2028 EPS projection (~$11.11), well above current consensus, which can buoy investor sentiment around structural earnings potential (note: this is an analyst projection, not company guidance).
• Neutral Sentiment: Synchrony released its monthly credit-performance statistics — useful for monitoring asset quality and loss trends but not an immediate directional catalyst unless figures diverge materially from expectations. Synchrony Financial Reports Monthly Credit Performance Statistics
• Neutral Sentiment: Coverage pieces on how Synchrony competes among large S&P companies provide context on strategy and partnerships; informative for longer-term positioning but not an immediate price driver. How Synchrony Financial (NYSE:SYF) Competes Among Top S&P 500 Companies
• Negative Sentiment: Comparative analysis (COF vs SYF) highlights Capital One’s recent acquisitions and rising net interest income, suggesting peers may offer faster upside — a relative-risk factor investors will watch. COF vs. SYF: Which Credit Card Lender Offers More Upside?

Insider Activity

In related news, insider Curtis Howse sold 52,556 shares of the business’s stock in a transaction dated Monday, February 2nd. The shares were sold at an average price of $72.32, for a total transaction of $3,800,849.92. Following the transaction, the insider directly owned 94,196 shares in the company, valued at approximately $6,812,254.72. The trade was a 35.81% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which can be accessed through the SEC website. Also, insider Jonathan S. Mothner sold 32,000 shares of the company’s stock in a transaction dated Monday, November 17th. The shares were sold at an average price of $72.80, for a total transaction of $2,329,600.00. Following the sale, the insider directly owned 127,100 shares of the company’s stock, valued at approximately $9,252,880. This represents a 20.11% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Insiders sold 88,556 shares of company stock worth $6,419,730 over the last three months. Insiders own 0.32% of the company’s stock.

Institutional Inflows and Outflows

Several institutional investors and hedge funds have recently made changes to their positions in SYF. NewEdge Advisors LLC grew its holdings in Synchrony Financial by 8.9% in the 1st quarter. NewEdge Advisors LLC now owns 8,302 shares of the financial services provider’s stock valued at $439,000 after buying an additional 679 shares in the last quarter. Woodline Partners LP grew its holdings in shares of Synchrony Financial by 36.2% in the first quarter. Woodline Partners LP now owns 35,582 shares of the financial services provider’s stock valued at $1,884,000 after purchasing an additional 9,460 shares during the period. Focus Partners Wealth increased its position in Synchrony Financial by 7.7% during the first quarter. Focus Partners Wealth now owns 6,406 shares of the financial services provider’s stock worth $339,000 after purchasing an additional 459 shares during the last quarter. Geneos Wealth Management Inc. raised its stake 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 purchasing an additional 455 shares during the period. Finally, Sivia Capital Partners LLC raised its stake in Synchrony Financial by 56.1% during the second quarter. Sivia Capital Partners LLC now owns 6,062 shares of the financial services provider’s stock worth $405,000 after purchasing an additional 2,178 shares during the period. 96.48% of the stock is currently owned by institutional investors and hedge funds.

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.