Synchrony Financial (NYSE:SYF) Stock Price Expected to Rise, Robert W. Baird Analyst Says

Synchrony Financial (NYSE:SYF) had its price target raised by research analysts at Robert W. Baird from $83.00 to $86.00 in a report issued on Wednesday,Benzinga reports. The firm currently has an “outperform” rating on the financial services provider’s stock. Robert W. Baird’s price objective suggests a potential upside of 12.29% from the company’s previous close.

Other equities analysts also recently issued reports about the company. Truist Financial reduced their price target on Synchrony Financial from $84.00 to $71.00 and set a “hold” rating on the stock in a research report on Monday, March 23rd. Royal Bank Of Canada reduced their price target 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. Wells Fargo & Company reduced their price target on Synchrony Financial from $100.00 to $95.00 and set an “overweight” rating on the stock in a research report on Thursday, April 9th. Keefe, Bruyette & Woods upped their price target on Synchrony Financial from $95.00 to $98.00 and gave the stock an “outperform” rating in a research report on Friday, January 2nd. Finally, TD Cowen upped their target price on Synchrony Financial from $91.00 to $100.00 and gave the company a “buy” rating in a research report on Thursday, January 8th. One analyst has rated the stock with a Strong Buy rating, twelve have issued a Buy rating and seven have given a Hold rating to the company’s stock. According to MarketBeat.com, the company presently has an average rating of “Moderate Buy” and an average target price of $86.32.

Synchrony Financial Stock Performance

Shares of SYF stock opened at $76.59 on Wednesday. The business’s fifty day simple moving average is $70.00 and its 200-day simple moving average is $74.72. The company has a market cap of $26.62 billion, a PE ratio of 7.92, a PEG ratio of 0.68 and a beta of 1.39. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 1.08. Synchrony Financial has a 12-month low of $49.50 and a 12-month high of $88.77.

Synchrony Financial (NYSE:SYF) last issued its quarterly earnings results on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $2.14 by $0.13. The business had revenue of $3.70 billion for the quarter, compared to the consensus estimate of $3.81 billion. Synchrony Financial had a return on equity of 23.41% and a net margin of 15.80%.The business’s quarterly revenue was down 7.4% on a year-over-year basis. During the same period in the prior year, the firm posted $1.89 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. Analysts expect that Synchrony Financial will post 9.29 earnings per share for the current fiscal year.

Synchrony Financial announced that its Board of Directors has authorized a stock repurchase 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 repurchase shares of its stock through open market purchases. Shares buyback programs are often a sign that the company’s board believes its shares are undervalued.

Insider Activity at Synchrony Financial

In other Synchrony Financial news, insider Alberto Casellas sold 14,399 shares of the stock in a transaction dated Monday, March 2nd. The stock was sold at an average price of $67.71, for a total transaction of $974,956.29. Following the sale, the insider directly owned 50,331 shares of the company’s stock, valued at approximately $3,407,912.01. This trade represents a 22.24% decrease in their position. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this link. Also, insider Brian D. Doubles sold 217,554 shares of the stock in a transaction dated Monday, March 2nd. The stock was sold at an average price of $68.68, for a total value of $14,941,608.72. Following the sale, the insider directly owned 829,222 shares in the company, valued at $56,950,966.96. This represents a 20.78% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. Insiders sold 379,928 shares of company stock worth $26,170,764 in the last three months. Company insiders own 0.32% of the company’s stock.

Institutional Investors Weigh In On Synchrony Financial

A number of institutional investors have recently modified their holdings of the business. Advisors Asset Management Inc. purchased a new position in shares of Synchrony Financial in the 4th quarter valued at about $29,000. Fideuram Asset Management Ireland dac acquired a new position in Synchrony Financial in the 4th quarter worth about $29,000. Westside Investment Management Inc. raised its holdings in Synchrony Financial by 100.0% in the 3rd 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 during the period. FWL Investment Management LLC acquired a new position in Synchrony Financial in the 3rd quarter worth about $26,000. Finally, Reflection Asset Management acquired a new position in Synchrony Financial in the 4th quarter worth about $31,000. 96.48% of the stock is currently 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 consensus (reported $2.27 vs. ~$2.22) and management flagged continued consumer spending momentum — supports earnings durability. Synchrony Quarterly Profit Rises
• Positive Sentiment: Board approved a sizable buyback program (company-level buyback authorization highlighted across coverage), adding direct capital-return support and fewer shares outstanding over time. Board Approves Stock Repurchase Program
• Positive Sentiment: Company declared a quarterly dividend ($0.30), adding steady shareholder yield alongside buybacks. Dividend and Buyback Notices
• Positive Sentiment: Management commentary (CFO) and analyst deep dives point to improving credit metrics and record purchase volume in Q1, supporting forward profitability if trends continue. CFO Flags Momentum
• Neutral Sentiment: Management set FY2026 EPS guidance in a range (9.10–9.50) — this provides a numerical target but still leaves execution risk around revenue and mix. Q1 Deep Dive / Guidance
• Neutral Sentiment: Strategic partnerships (e.g., Chico’s FAS credit-card programs) expand originations and loyalty tie-ups, a steady but gradual revenue driver. Chico’s Partnership
• Negative Sentiment: Revenue missed expectations and fell year-over-year (revenue down ~7% YoY), which can weigh on top-line growth perceptions despite EPS strength. Revenue Decline / Earnings Story
• Negative Sentiment: Mixed analyst actions: upgrades/price-target raises from Barclays, Baird and Truist (higher targets) were offset by BTIG downgrading SYF to neutral — the net effect is mixed sentiment and increased short-term volatility. Analyst Rating Moves

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.