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

Synchrony Financial (NYSE:SYF) had its price objective dropped by research analysts at Truist Financial from $92.00 to $84.00 in a research note issued on Thursday,Benzinga reports. The firm presently has a “hold” rating on the financial services provider’s stock. Truist Financial’s price target would indicate a potential upside of 14.66% from the company’s current price.

Several other equities research analysts have also recently weighed in on the stock. Barclays lowered their price objective on shares of Synchrony Financial from $101.00 to $93.00 and set an “overweight” rating for the company in a research report on Wednesday. Hsbc Global Res raised Synchrony Financial from a “hold” rating to a “strong-buy” rating in a report on Thursday, October 9th. Compass Point upgraded Synchrony Financial from a “neutral” rating to a “buy” rating and set a $96.00 price objective on the stock in a research report on Wednesday. Wolfe Research started coverage on Synchrony Financial in a research report on Monday, December 8th. They set an “outperform” rating and a $92.00 target price for the company. Finally, TD Cowen lifted their price objective on Synchrony Financial from $91.00 to $100.00 and gave the stock a “buy” rating in a research report on Thursday, January 8th. One research analyst has rated the stock with a Strong Buy rating, thirteen have assigned a Buy rating and nine have given a Hold rating to the company. According to MarketBeat.com, the stock presently has an average rating of “Moderate Buy” and an average price target of $87.05.

Synchrony Financial Price Performance

SYF stock traded down $0.16 during midday trading on Thursday, reaching $73.26. 1,495,077 shares of the company’s stock traded hands, compared to its average volume of 4,869,630. The company has a 50-day simple moving average of $80.98 and a two-hundred day simple moving average of $75.64. Synchrony Financial has a 1-year low of $40.54 and a 1-year high of $88.77. The company has a market cap of $26.39 billion, a price-to-earnings ratio of 8.01, a PEG ratio of 0.50 and a beta of 1.43. 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 posted its quarterly earnings data on Tuesday, January 27th. The financial services provider reported $2.18 EPS for the quarter, topping analysts’ consensus estimates of $2.02 by $0.16. Synchrony Financial had a return on equity of 23.07% and a net margin of 15.72%.The company had revenue of $3.79 billion for the quarter, compared to analyst estimates of $3.84 billion. During the same quarter in the previous year, the firm earned $1.91 earnings per share. The business’s revenue was down .2% on a year-over-year basis. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. On average, analysts anticipate that Synchrony Financial will post 7.67 earnings per share for the current year.

Synchrony Financial announced that its Board of Directors has approved a stock buyback program on Wednesday, October 15th that allows the company to buyback $1.00 billion in outstanding shares. This buyback authorization allows 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 stock is undervalued.

Insiders Place Their Bets

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

Institutional Investors Weigh In On Synchrony Financial

Several institutional investors have recently added to or reduced their stakes in the stock. Westside Investment Management Inc. lifted its holdings in shares of Synchrony Financial by 100.0% in the third quarter. Westside Investment Management Inc. now owns 358 shares of the financial services provider’s stock valued at $25,000 after purchasing an additional 179 shares in the last quarter. FWL Investment Management LLC bought a new stake in shares of Synchrony Financial in the third quarter worth $26,000. Investors Towarzystwo Funduszy Inwestycyjnych Spolka Akcyjna acquired a new position in Synchrony Financial during the second quarter worth $26,000. Palisade Asset Management LLC bought a new position in Synchrony Financial in the third quarter valued at $29,000. Finally, Salomon & Ludwin LLC increased its stake in Synchrony Financial by 54.9% in the 3rd quarter. Salomon & Ludwin LLC now owns 412 shares of the financial services provider’s stock valued at $29,000 after buying an additional 146 shares during the last quarter. 96.48% of the stock is owned by institutional investors.

Key Stories Impacting Synchrony Financial

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

• Positive Sentiment: Q4 EPS beat and bull-ish FY?2026 guide — SYF reported $2.18 EPS vs. $2.02 est., driven by margin expansion and lower charge?offs; management set FY?2026 guidance of $9.10–$9.50, which signals meaningful earnings power ahead. Earnings Transcript
• Positive Sentiment: Record purchase volume and BNPL traction — company reported a record $49B in Q4 purchase volume and said BNPL has lifted sales without eroding card performance, supporting revenue mix and growth channels. PYMNTS
• Positive Sentiment: Buy ratings and price targets reaffirmed/upgraded — BTIG and TD Cowen reiterated Buy ratings (price targets ~$95–96) and Compass Point upgraded to Buy ($96 PT), signaling conviction in longer?term upside. TipRanks / BTIG
• Neutral Sentiment: Dividend declared — SYF announced a $0.30 quarterly dividend (ex?div Feb 6), a modest yield that supports income investors but is unlikely to sharply move the stock on its own.
• Neutral Sentiment: Some analysts cut price targets but kept constructive ratings — Barclays trimmed its PT ($101?$93) but kept an Overweight stance, leaving sizable upside in models even after the adjustment. Barclays / TickerReport
• Negative Sentiment: Profit hit by restructuring charge and rising costs — Reuters and other outlets highlighted a restructuring charge and higher operating costs that weighed on Q4 profit and raised near?term expense uncertainty. Reuters
• Negative Sentiment: Revenue softness and cautious growth commentary — revenues were roughly flat and slightly missed some estimates; management flagged cautious loan?growth dynamics and near?term investment pressures, which some analysts say could cap near?term EPS. MSN deep dive
• Negative Sentiment: Analyst downgrades / PT trims — JPMorgan and RBC lowered price targets (JPM: $86?$84 neutral; RBC: $91?$85 sector perform), signaling reduced near?term conviction among some institutional investors. JPM / TickerReport 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.