CPC Advisors LLC Has $8.92 Million Stock Holdings in Synchrony Financial $SYF

CPC Advisors LLC cut its stake in shares of Synchrony Financial (NYSE:SYF) by 9.0% in the 4th quarter, according to its most recent Form 13F filing with the SEC. The fund owned 106,901 shares of the financial services provider’s stock after selling 10,573 shares during the period. Synchrony Financial accounts for about 0.9% of CPC Advisors LLC’s investment portfolio, making the stock its 26th biggest holding. CPC Advisors LLC’s holdings in Synchrony Financial were worth $8,919,000 as of its most recent filing with the SEC.

Other large investors have also recently bought and sold shares of the company. Bank of America Corp DE lifted its position in shares of Synchrony Financial by 34.6% in the second quarter. Bank of America Corp DE now owns 13,595,381 shares of the financial services provider’s stock valued at $907,356,000 after buying an additional 3,494,741 shares during the last quarter. Assetmark Inc. lifted its position in shares of Synchrony Financial by 48.3% in the third quarter. Assetmark Inc. now owns 4,349,059 shares of the financial services provider’s stock valued at $309,001,000 after buying an additional 1,416,909 shares during the last quarter. Worldquant Millennium Advisors LLC lifted its position in shares of Synchrony Financial by 222.5% in the second quarter. Worldquant Millennium Advisors LLC now owns 937,296 shares of the financial services provider’s stock valued at $62,555,000 after buying an additional 646,642 shares during the last quarter. Nordea Investment Management AB lifted its position in shares of Synchrony Financial by 13.0% in the fourth quarter. Nordea Investment Management AB now owns 5,134,903 shares of the financial services provider’s stock valued at $431,999,000 after buying an additional 592,567 shares during the last quarter. Finally, Danske Bank A S acquired a new stake in shares of Synchrony Financial in the third quarter valued at approximately $34,362,000. 96.48% of the stock is owned by institutional investors and hedge funds.

Key Synchrony Financial News

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

• Positive Sentiment: Q1 EPS beat/operational drivers — SYF reported $2.27 EPS, above the prior consensus, driven by purchase-volume growth and an improved net interest margin (helping profit). Synchrony Q1 Earnings Match Estimates on Purchase Volume Growth
• Positive Sentiment: Shareholder returns increased — Company raised the quarterly dividend from $0.30 to $0.34 and approved a $6.5 billion share repurchase program, which is a clear positive for EPS per share over time. Synchrony Reports First Quarter 2026 Results
• Neutral Sentiment: FY‑2026 EPS guidance largely in line with Street — Management set FY26 EPS guidance of $9.10–$9.50 (consensus ≈ $9.24), a range that roughly brackets expectations and leaves limited upside surprise potential. (Guidance update released by the company.)
• Neutral Sentiment: Full disclosure & details available — Management materials (slide deck) and the earnings-call transcript provide color on portfolio trends, reserve levels and strategy; useful for modeling credit and margin assumptions. Synchrony Financial 2026 Q1 – Results – Earnings Call Presentation
• Neutral Sentiment: Monthly credit update posted — The company released unaudited monthly charge-off and delinquency statistics; investors should check these for early signs of stress or improvement. Synchrony Financial Posts Monthly Credit Performance Metrics Update
• Negative Sentiment: Revenue miss and year-over-year decline — Quarterly revenue was $3.70B versus consensus ~$3.81B and was down ~7.4% YoY, a top-line weakness that limits upside despite EPS beat. Synchrony Financial Q1 Results (MarketBeat)
• Negative Sentiment: Deposit decline and funding trends — Management noted a pullback in deposits, which can pressure funding costs and liquidity mix if sustained. Synchrony Q1 Earnings Match Estimates on Purchase Volume Growth

Insider Buying and Selling at Synchrony Financial

In related news, insider Darrell Owens sold 3,865 shares of Synchrony Financial stock in a transaction that occurred on Monday, March 2nd. The stock was sold at an average price of $67.71, for a total transaction of $261,699.15. Following the completion of the sale, the insider directly owned 17,432 shares of the company’s stock, valued at approximately $1,180,320.72. This trade represents a 18.15% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is accessible through the SEC website. Also, insider Curtis Howse sold 7,882 shares of Synchrony Financial stock in a transaction that occurred on Monday, March 2nd. The stock was sold at an average price of $67.71, for a total value of $533,690.22. Following the sale, the insider directly owned 94,873 shares of the company’s stock, valued at approximately $6,423,850.83. The trade was a 7.67% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders sold a total of 379,928 shares of company stock worth $26,170,764 in the last 90 days. Company insiders own 0.33% of the company’s stock.

Synchrony Financial Stock Performance

NYSE:SYF opened at $77.77 on Wednesday. The stock has a market cap of $27.03 billion, a P/E ratio of 8.37, a PEG ratio of 0.69 and a beta of 1.39. The stock has a 50 day simple moving average of $69.78 and a 200 day simple moving average of $74.68. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 0.98. Synchrony Financial has a 1-year low of $46.13 and a 1-year high of $88.77.

Synchrony Financial (NYSE:SYF) last released its quarterly earnings results on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share for the quarter, topping the consensus estimate of $2.14 by $0.13. The business had revenue of $3.70 billion during the quarter, compared to analysts’ expectations of $3.81 billion. Synchrony Financial had a return on equity of 23.07% and a net margin of 15.72%.The firm’s revenue for the quarter was down 7.4% compared to the same quarter last year. During the same period last year, the firm posted $1.89 EPS. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. Research analysts anticipate that Synchrony Financial will post 9.28 earnings per share for the current year.

Synchrony Financial declared that its board has approved a share buyback program on Tuesday, April 21st that authorizes the company to buyback $0.00 in outstanding shares. This buyback authorization authorizes the financial services provider to reacquire shares of its stock through open market purchases. Stock buyback programs are often an indication that the company’s board of directors believes its shares are undervalued.

Synchrony Financial Announces Dividend

The company also recently declared a quarterly dividend, which will be paid on Friday, May 15th. Investors of record on Tuesday, May 5th will be issued a dividend of $0.30 per share. This represents a $1.20 annualized dividend and a yield of 1.5%. The ex-dividend date of this dividend is Tuesday, May 5th. Synchrony Financial’s dividend payout ratio (DPR) is presently 12.92%.

Analyst Ratings Changes

A number of analysts have recently issued reports on the company. Robert W. Baird raised Synchrony Financial from a “neutral” rating to an “outperform” rating and set a $83.00 price objective for the company in a research report on Friday, February 13th. Wall Street Zen cut Synchrony Financial from a “buy” rating to a “hold” rating in a research report on Saturday, January 31st. Truist Financial cut their price objective on Synchrony Financial from $84.00 to $71.00 and set a “hold” rating for the company in a research report on Monday, March 23rd. 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 report on Thursday, January 8th. Finally, Royal Bank Of Canada cut their price objective on Synchrony Financial from $91.00 to $85.00 and set a “sector perform” rating for the company in a research report on Wednesday, January 28th. One investment analyst has rated the stock with a Strong Buy rating, thirteen have issued a Buy rating and six have given a Hold rating to the stock. According to data from MarketBeat, the stock presently has an average rating of “Moderate Buy” and a consensus target price of $85.00.

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.