Synchrony Financial (NYSE:SYF) Given New $84.00 Price Target at Truist Financial

Synchrony Financial (NYSE:SYF) had its price objective reduced by Truist Financial from $92.00 to $84.00 in a research note issued to investors on Thursday morning,Benzinga reports. They currently have a hold rating on the financial services provider’s stock.

Other analysts have also recently issued research reports about the stock. Wells Fargo & Company increased their price target on shares of Synchrony Financial from $95.00 to $100.00 and gave the stock an “overweight” rating in a research note on Monday, January 5th. 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. Royal Bank Of Canada decreased their target price on shares of Synchrony Financial from $91.00 to $85.00 and set a “sector perform” rating for the company in a research note on Wednesday. Robert W. Baird cut Synchrony Financial from a “strong-buy” rating to a “hold” rating in a research report on Friday, December 5th. Finally, JPMorgan Chase & Co. reduced their price objective on Synchrony Financial from $86.00 to $84.00 and set a “neutral” rating for the company in a research note on Wednesday. One investment analyst has rated the stock with a Strong Buy rating, thirteen have issued a Buy rating and nine have issued a Hold rating to the company’s stock. According to MarketBeat.com, the stock currently has a consensus rating of “Moderate Buy” and an average price target of $87.05.

Synchrony Financial Trading Down 0.1%

NYSE:SYF opened at $73.37 on Thursday. The company has a market capitalization of $26.42 billion, a PE ratio of 7.90, a P/E/G ratio of 0.51 and a beta of 1.43. Synchrony Financial has a 52-week low of $40.54 and a 52-week high of $88.77. The stock’s 50 day moving average price is $81.00 and its 200 day moving average price is $75.63. The company has a quick ratio of 1.24, a current ratio of 1.24 and a debt-to-equity ratio of 0.98.

Synchrony Financial (NYSE:SYF) last issued its quarterly earnings data on Tuesday, January 27th. The financial services provider reported $2.18 earnings per share for the quarter, beating analysts’ consensus estimates of $2.02 by $0.16. The company 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 firm’s revenue for the quarter was down .2% on a year-over-year basis. During the same quarter in the previous year, the business earned $1.91 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. On average, research analysts anticipate that Synchrony Financial will post 7.67 EPS for the current 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 paid a dividend of $0.30 per share. This represents a $1.20 dividend on an annualized basis and a dividend yield of 1.6%. The ex-dividend date of this dividend is Friday, February 6th. Synchrony Financial’s dividend payout ratio is 13.10%.

Synchrony Financial announced that its board has approved a stock repurchase plan on Wednesday, October 15th that allows the company to repurchase $1.00 billion in shares. This repurchase authorization allows the financial services provider to repurchase up to 3.7% of its shares through open market purchases. Shares repurchase plans are generally a sign that the company’s board of directors believes its shares are undervalued.

Insiders Place Their Bets

In related news, insider Curtis Howse sold 12,086 shares of the company’s stock in a transaction 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 transaction, the insider owned 108,271 shares of the company’s stock, valued at $8,014,219.42. This represents a 10.04% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the SEC, which is available at this link. Also, insider Darrell Owens sold 2,989 shares of the firm’s stock in a transaction on Monday, November 3rd. The shares were sold at an average price of $74.02, for a total value of $221,245.78. Following the completion of the sale, the insider directly owned 16,096 shares of the company’s stock, valued at approximately $1,191,425.92. This trade represents a 15.66% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Insiders have sold 55,075 shares of company stock valued at $4,036,892 in the last three months. 0.32% of the stock is owned by corporate insiders.

Institutional Trading of Synchrony Financial

A number of institutional investors have recently added to or reduced their stakes in SYF. Westside Investment Management Inc. lifted its position in shares of Synchrony Financial by 100.0% during the 3rd quarter. Westside Investment Management Inc. now owns 358 shares of the financial services provider’s stock valued at $25,000 after acquiring an additional 179 shares during the period. FWL Investment Management LLC acquired a new stake in shares of Synchrony Financial in the 3rd quarter worth approximately $26,000. Investors Towarzystwo Funduszy Inwestycyjnych Spolka Akcyjna purchased a new position in Synchrony Financial in the 2nd quarter valued at approximately $26,000. Palisade Asset Management LLC acquired a new position in Synchrony Financial during the third quarter worth $29,000. Finally, Salomon & Ludwin LLC raised its holdings in Synchrony Financial by 54.9% during the third quarter. Salomon & Ludwin LLC now owns 412 shares of the financial services provider’s stock worth $29,000 after purchasing an additional 146 shares during the last quarter. Hedge funds and other institutional investors own 96.48% of the company’s stock.

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)

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.