Wells Fargo & Company Issues Pessimistic Forecast for Synchrony Financial (NYSE:SYF) Stock Price

Synchrony Financial (NYSE:SYF) had its price objective dropped by equities researchers at Wells Fargo & Company from $95.00 to $88.00 in a research report issued to clients and investors on Wednesday,Benzinga reports. The firm presently has an “overweight” rating on the financial services provider’s stock. Wells Fargo & Company‘s price target indicates a potential upside of 22.68% from the stock’s current price.

A number of other research analysts have also recently commented on SYF. HSBC increased their price target on Synchrony Financial from $93.00 to $97.00 and gave the company a “buy” rating in a research note on Monday, July 13th. TD Cowen upped their target price on Synchrony Financial from $89.00 to $90.00 and gave the stock a “buy” rating in a report on Tuesday, July 7th. Robert W. Baird increased their target price on Synchrony Financial from $86.00 to $90.00 and gave the company an “outperform” rating in a research report on Wednesday. Truist Financial lifted their price target on Synchrony Financial from $71.00 to $82.00 and gave the company a “hold” rating in a research note on Thursday, April 23rd. Finally, JPMorgan Chase & Co. cut their price target on Synchrony Financial from $81.00 to $78.00 and set a “neutral” rating on the stock in a research note on Monday, July 13th. Twelve research analysts have rated the stock with a Buy rating and eight have assigned a Hold rating to the company’s stock. Based on data from MarketBeat.com, the stock currently has a consensus rating of “Moderate Buy” and an average price target of $86.89.

Synchrony Financial Price Performance

Shares of NYSE:SYF opened at $71.73 on Wednesday. The company has a market cap of $24.13 billion, a price-to-earnings ratio of 7.35, a PEG ratio of 0.68 and a beta of 1.32. The company has a debt-to-equity ratio of 1.08, a current ratio of 1.22 and a quick ratio of 1.24. The firm has a 50 day simple moving average of $73.27 and a 200 day simple moving average of $73.06. Synchrony Financial has a one year low of $63.08 and a one year high of $88.77.

Synchrony Financial (NYSE:SYF) last issued its earnings results on Tuesday, July 21st. The financial services provider reported $2.59 earnings per share for the quarter, beating analysts’ consensus estimates of $2.14 by $0.45. The firm had revenue of $3.72 billion for the quarter, compared to analyst estimates of $3.72 billion. Synchrony Financial had a net margin of 15.44% and a return on equity of 23.09%. During the same quarter last year, the business posted $2.50 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.250-9.500 EPS. Research analysts predict that Synchrony Financial will post 9.36 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 allows the company to repurchase $0.00 in outstanding shares. This repurchase authorization allows the financial services provider to reacquire shares of its stock through open market purchases. Shares repurchase programs are typically an indication that the company’s leadership believes its stock is undervalued.

Insiders Place Their Bets

In related news, insider Jonathan S. Mothner sold 51,258 shares of the firm’s stock in a transaction on Friday, May 15th. The stock was sold at an average price of $71.23, for a total transaction of $3,651,107.34. Following the completion of the transaction, the insider directly owned 132,664 shares of the company’s stock, valued at $9,449,656.72. This trade represents a 27.87% decrease in their position. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available at this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 0.36% of the stock is owned by insiders.

Institutional Investors Weigh In On Synchrony Financial

Several institutional investors and hedge funds have recently made changes to their positions in the stock. Wedge Capital Management L L P NC raised its position in shares of Synchrony Financial by 4.4% during the second quarter. Wedge Capital Management L L P NC now owns 495,316 shares of the financial services provider’s stock worth $37,669,000 after acquiring an additional 20,959 shares during the last quarter. Tema ETFs LLC lifted its stake in shares of Synchrony Financial by 9.0% in the second quarter. Tema ETFs LLC now owns 6,995 shares of the financial services provider’s stock worth $532,000 after acquiring an additional 580 shares during the period. Generali Investments Management Co LLC boosted its holdings in Synchrony Financial by 206.0% in the second quarter. Generali Investments Management Co LLC now owns 3,987 shares of the financial services provider’s stock valued at $303,000 after acquiring an additional 2,684 shares during the last quarter. Handelsbanken Fonder AB boosted its holdings in Synchrony Financial by 24.4% in the second quarter. Handelsbanken Fonder AB now owns 163,596 shares of the financial services provider’s stock valued at $12,441,000 after acquiring an additional 32,047 shares during the last quarter. Finally, Polianta Ltd increased its position in Synchrony Financial by 16.2% during the 2nd quarter. Polianta Ltd now owns 24,400 shares of the financial services provider’s stock valued at $1,855,000 after purchasing an additional 3,400 shares during the period. Institutional investors and hedge funds 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: Robert W. Baird raised its price target on Synchrony Financial to $90 from $86 and kept an outperform rating, signaling continued confidence in upside after earnings. Article
• Positive Sentiment: Wells Fargo lowered its price target to $88 from $95 but maintained an overweight rating, still implying meaningful upside from current levels. Article
• Positive Sentiment: Bank of America reiterated a Buy rating on Synchrony Financial and set a $89 target, reinforcing the view that the company’s stronger-than-expected results and 2026 outlook remain supportive. Article
• Neutral Sentiment: Synchrony’s Q2 2026 earnings conference call transcript is drawing investor attention for additional detail on management’s outlook and credit trends. Article
• Neutral Sentiment: Coverage discussing how card issuers are looking beyond credit scores highlights a more segmented consumer-credit market, which may be relevant to Synchrony but does not directly change the company’s fundamentals. Article
• Negative Sentiment: Royal Bank of Canada cut its price target to $80 from $85 and kept a sector perform rating, reflecting a more cautious stance after the latest results. Article
• Negative Sentiment: Another article questions whether Synchrony Financial is cheap versus its stronger guidance and weaker share price, suggesting investors are still debating whether the recent run-up in earnings optimism is already priced in. Article

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.