Synchrony Financial (NYSE:SYF) Stock Price Expected to Rise, JPMorgan Chase & Co. Analyst Says

Synchrony Financial (NYSE:SYF) had its price objective lifted by research analysts at JPMorgan Chase & Co. from $75.00 to $86.00 in a research report issued to clients and investors on Monday,Benzinga reports. The brokerage currently has a “neutral” rating on the financial services provider’s stock. JPMorgan Chase & Co.‘s price target suggests a potential upside of 10.27% from the company’s previous close.

Other equities analysts also recently issued research reports about the company. Wolfe Research began coverage on Synchrony Financial in a report on Monday, December 8th. They set an “outperform” rating and a $92.00 price target on the stock. TD Cowen lifted their target price on shares of Synchrony Financial from $91.00 to $100.00 and gave the stock a “buy” rating in a report on Thursday, January 8th. Baird R W cut shares of Synchrony Financial from a “strong-buy” rating to a “hold” rating in a report on Friday, December 5th. Weiss Ratings reaffirmed a “buy (b-)” rating on shares of Synchrony Financial in a research report on Wednesday, October 8th. Finally, Truist Financial boosted their price objective on Synchrony Financial from $78.00 to $92.00 and gave the stock a “hold” rating in a research report on Monday, December 22nd. One research analyst has rated the stock with a Strong Buy rating, twelve have assigned a Buy rating and eleven have issued a Hold rating to the company’s stock. According to MarketBeat, Synchrony Financial currently has an average rating of “Moderate Buy” and a consensus target price of $86.47.

Synchrony Financial Price Performance

NYSE SYF opened at $77.99 on Monday. Synchrony Financial has a fifty-two week low of $40.54 and a fifty-two week high of $88.77. The stock’s 50-day moving average is $80.17 and its two-hundred day moving average is $75.11. The firm has a market cap of $28.09 billion, a P/E ratio of 8.51, a price-to-earnings-growth ratio of 0.55 and a beta of 1.43. The company has a debt-to-equity ratio of 0.91, a current ratio of 1.24 and a quick ratio of 1.24.

Synchrony Financial (NYSE:SYF) last issued its quarterly earnings data on Wednesday, October 15th. The financial services provider reported $2.86 EPS for the quarter, beating analysts’ consensus estimates of $2.22 by $0.64. Synchrony Financial had a return on equity of 22.96% and a net margin of 15.84%.The business had revenue of $3.82 billion for the quarter, compared to analyst estimates of $3.79 billion. During the same quarter in the prior year, the firm posted $1.94 EPS. The firm’s revenue for the quarter was up .2% on a year-over-year basis. On average, analysts anticipate that Synchrony Financial will post 7.67 earnings per share for the current fiscal year.

Synchrony Financial announced that its Board of Directors has authorized a stock buyback program on Wednesday, October 15th that permits the company to buyback $1.00 billion in outstanding shares. This buyback authorization permits the financial services provider to buy up to 3.7% of its shares through open market purchases. Shares buyback programs are often a sign that the company’s management believes its shares are undervalued.

Insider Transactions at Synchrony Financial

In other Synchrony Financial news, insider Jonathan S. Mothner sold 32,000 shares of Synchrony Financial stock in a transaction on 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 owned 127,100 shares in the company, valued at $9,252,880. The trade was a 20.11% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available at this link. Also, Director Arthur W. Coviello, Jr. sold 8,000 shares of the firm’s stock in a transaction dated Monday, November 3rd. The stock was sold at an average price of $73.93, for a total transaction of $591,440.00. Following the transaction, the director directly owned 35,769 shares of the company’s stock, valued at $2,644,402.17. The trade was a 18.28% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. Insiders sold 55,075 shares of company stock valued at $4,036,892 in the last ninety days. 0.33% of the stock is owned by company insiders.

Institutional Investors Weigh In On Synchrony Financial

A number of institutional investors have recently added to or reduced their stakes in SYF. State Street Corp raised its holdings in shares of Synchrony Financial by 1.0% in the 3rd quarter. State Street Corp now owns 19,080,903 shares of the financial services provider’s stock worth $1,355,698,000 after buying an additional 191,920 shares in the last quarter. Bank of America Corp DE grew its position in Synchrony Financial by 5.4% in the third quarter. Bank of America Corp DE now owns 14,335,213 shares of the financial services provider’s stock valued at $1,018,517,000 after acquiring an additional 739,832 shares during the period. Ameriprise Financial Inc. raised its stake in Synchrony Financial by 8.3% during the second 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 in the last quarter. Nordea Investment Management AB lifted its holdings in shares of Synchrony Financial by 13.0% during 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 acquiring an additional 592,567 shares during the period. Finally, Norges Bank acquired a new stake in shares of Synchrony Financial in the 2nd quarter valued at $299,360,000. 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: Expanded patient-financing distribution: Synchrony rolled out CareCredit through an exclusive Clover App integration, giving 40,000+ health & wellness providers the ability to offer patient financing at the point of sale — a clear revenue-growth and origination channel. Synchrony Accelerates Growth via Clover Integration
• Positive Sentiment: Analyst uplift: JPMorgan raised its price target on SYF from $75 to $86 (maintaining a Neutral rating), signaling better analyst conviction on earnings/valuation upside versus prior levels. JPMorgan raises SYF PT to $86
• Neutral Sentiment: Analyst coverage roundup: Several outlets published multi-analyst notes and momentum-score writeups on SYF this week — useful for framing diverse analyst views but not a single directional catalyst. 13 Analysts Assess Synchrony Financial
• Neutral Sentiment: Zacks/momentum coverage flagged SYF as a top-ranked momentum stock — a stylistic positive for some quant/momentum funds but not an immediate fundamental change. Zacks: SYF a Top-Ranked Momentum Stock
• Neutral Sentiment: Broader markets backdrop: Global risk appetite (Asian markets/Wall Street records) is mixed and can amplify sector moves; SYF’s move today is more idiosyncratic to credit policy risk than to global equity strength. Asian shares mostly rise; Tokyo hits record
• Negative Sentiment: Regulatory shock: The White House proposal to cap credit-card interest rates at 10% (temporary) sparked a rout in card lenders because it would materially compress lending margins and earnings power for issuers focused on private-label and higher-APR books. That policy risk is the primary driver of the selloff. Credit lender stocks slide on Trump proposal to cap card interest rates
• Negative Sentiment: Sector contagion and headlines: Media coverage linking the rate-cap proposal to steep share drops (including writeups explaining why SYF plunged) amplified selling and repositioning by funds sensitive to regulatory outcomes. Why SYF Shares Are Plunging Today
• Negative Sentiment: Relative vulnerability: Market analysis identified Synchrony among lenders in the “extinction zone” because a meaningful slice of its private-label and consumer card revenues rely on APRs that would be curtailed under a 10% cap. This structural risk makes SYF more sensitive than diversified banks. MarketBeat: Winners & Losers of the Proposed 10% Interest Cap

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.