Synchrony Financial (NYSE:SYF) Bolsa

Synchrony Finl

Synchrony Financial

Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).

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Synchrony Financial 8.25% PRF PERPETUAL USD 25 - Dep rep 1/40 Ser B

Synchrony Financial Depositary Shares, each Representing a 1/40th Interest in a Share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A

Synchrony Financial Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

In the preceding three months, 9 analysts have released ratings for Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), presenting a wide array of perspectives from bullish to bearish.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">1</td>
<td align="right">4</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
In the assessment of 12-month price targets, analysts unveil insights for Synchrony Financial, presenting an average target of $60.56, a high estimate of $70.00, and a low estimate of $44.00. Experiencing a 17.92% decline, the current average is now lower than the previous average price target of $73.78. 
<img src="https://www.benzinga.com/files/images/story/2025/1749848480_0.png" alt="price target chart" />
<h2>Interpreting Analyst Ratings: A Closer Look</h2>
The standing of Synchrony Financial among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$68.00</td>
<td>$63.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$57.00</td>
<td>$65.00</td>
</tr>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$65.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Lowers</td>
<td>Outperform</td>
<td>$56.00</td>
<td>$64.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$50.00</td>
<td>$76.00</td>
</tr>
<tr>
<td>Jeff Adelson</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Equal-Weight</td>
<td>$44.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$70.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$65.00</td>
<td>$77.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Lowers</td>
<td>Buy</td>
<td>$70.00</td>
<td>$82.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Synchrony Financial. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Unveiling insights, analysts deliver qualitative insights into stock performance, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Synchrony Financial compared to the broader market.</li>
<li>Price Targets: Analysts provide insights into price targets, offering estimates for the future value of Synchrony Financial's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Synchrony Financial's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/SYF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Synchrony Financial analyst ratings.</a>
<h2>Get to Know Synchrony Financial Better</h2>
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
<h3>Synchrony Financial's Economic Impact: An Analysis</h3>
Market Capitalization Analysis: Above industry benchmarks, the company's market capitalization emphasizes a noteworthy size, indicative of a strong market presence.
Decline in Revenue: Over the 3M period, Synchrony Financial faced challenges, resulting in a decline of approximately -0.29% in revenue growth as of 31 March, 2025. This signifies a reduction in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Synchrony Financial's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 19.8% net margin, the company effectively manages costs and achieves strong profitability.
Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of 4.79%, the company may need to address challenges in generating satisfactory returns for shareholders.
Return on Assets (ROA): Synchrony Financial's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.61%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: Synchrony Financial's debt-to-equity ratio is below the industry average at 1.11, reflecting a lower dependency on debt financing and a more conservative financial approach.
<h2>Analyst Ratings: What Are They?</h2>
Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
Which Stocks Are Analysts Recommending Now?
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Ratings

Beyond The Numbers: 9 Analysts Discuss Synchrony Financial Stock

Truist Securities analyst Brian Foran maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Hold and raises the price target from $63 to $68.

News

Truist Securities Maintains Hold on Synchrony Financial, Raises Price Target to $68

Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) shares are trading higher Monday after the company announced a strategic partnership with OnePay to launch an industry-leading <a href="https://www.benzinga.com//node/45834455">credit card program</a> with Walmart.
The Details: Under the partnership, Synchrony will become the exclusive issuer of OnePay credit cards at Walmart. The program will launch this fall and include both a general-purpose Mastercard and a private label card for Walmart purchases.
The cards will be integrated into the OnePay app, providing users with access to OnePay's suite of financial products. Synchrony said the initiative is expected to drive loyalty and sales at attractive risk-adjusted returns while being accretive to long-term financial performance.
"We are proud to be selected by OnePay to further our mission of helping people live better and build healthier financial futures with Walmart," said Brian Doubles, president and CEO of Synchrony.
"Together, we aim to drive even greater innovation and new credit experiences to better serve customers while driving long-term, high-quality growth."
Related Link: <a href="https://www.benzinga.com/insights/analyst-ratings/25/06/45846247/assessing-american-healthcare-reit-insights-from-6-financial-analysts">Assessing American Healthcare REIT: Insights From 6 Financial Analysts</a>
SYF Price Action: At the time of writing, Synchrony shares were up 2.94% at $60.96, according to data from <a href="https://www.google.com/url?sa=t&amp;source=web&amp;rct=j&amp;opi=89978449&amp;url=https://www.benzinga.com/pro/&amp;ved=2ahUKEwj1irjk3-SNAxXGlIkEHS5zGGoQFnoECAsQAQ&amp;usg=AOvVaw0xIsPvjIcIIsWev01-6zR2">Benzinga Pro.</a>
Image via Shutterstock.

Movers

Synchrony Financial Stock Is Moving Higher Monday: What's Going On?

WIIM

Synchrony Financial shares are trading higher after the company announced a strategic partnership with OnePay to launch an industry-leading credit card program with Walmart.

This whale alert can help traders discover the next big trading opportunities.
Whales are entities with large sums of money and we track their transactions here at Benzinga on our options activity scanner.
Traders will search for circumstances when the market estimation of an option diverges heavily from its normal worth. High amounts of trading activity could push option prices to exaggerated or underestimated levels. 
Below are some instances of options activity happening in the Financials sector: 
<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th>Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>BAC</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>06/13/25</td>
<td>$46.00</td>
<td>$111.7K</td>
<td>20.7K</td>
<td>23.4K</td>
</tr>
<tr>
<td>NU</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>07/18/25</td>
<td>$13.00</td>
<td>$69.0K</td>
<td>7.4K</td>
<td>5.7K</td>
</tr>
<tr>
<td>KKR</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>12/19/25</td>
<td>$125.00</td>
<td>$59.0K</td>
<td>236</td>
<td>1.8K</td>
</tr>
<tr>
<td>COF</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>06/20/25</td>
<td>$200.00</td>
<td>$39.0K</td>
<td>5.5K</td>
<td>995</td>
</tr>
<tr>
<td>SOFI</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>01/16/26</td>
<td>$15.00</td>
<td>$34.6K</td>
<td>77.4K</td>
<td>752</td>
</tr>
<tr>
<td>JPM</td>
<td>CALL</td>
<td>TRADE</td>
<td>NEUTRAL</td>
<td>09/19/25</td>
<td>$275.00</td>
<td>$103.0K</td>
<td>2.1K</td>
<td>163</td>
</tr>
<tr>
<td>V</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>07/18/25</td>
<td>$365.00</td>
<td>$54.2K</td>
<td>907</td>
<td>81</td>
</tr>
<tr>
<td>XYZ</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>01/16/26</td>
<td>$70.00</td>
<td>$45.0K</td>
<td>3.2K</td>
<td>70</td>
</tr>
<tr>
<td>AFRM</td>
<td>PUT</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>01/16/26</td>
<td>$65.00</td>
<td>$66.7K</td>
<td>2.2K</td>
<td>64</td>
</tr>
<tr>
<td>SYF</td>
<td>CALL</td>
<td>SWEEP</td>
<td>NEUTRAL</td>
<td>06/20/25</td>
<td>$57.50</td>
<td>$25.6K</td>
<td>186</td>
<td>57</td>
</tr>
</tbody>
</table>

<h2>Explanation</h2>
These bullet-by-bullet explanations have been constructed using the accompanying table. 
• For BAC (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>), we notice a call option sweep that happens to be bullish, expiring in 4 day(s) on June 13, 2025. This event was a transfer of 6943 contract(s) at a $46.00 strike. This particular call needed to be split into 34 different trades to become filled. The total cost received by the writing party (or parties) was $111.7K, with a price of $16.0 per contract. There were 20711 open contracts at this strike prior to today, and today 23467 contract(s) were bought and sold. 
• For NU (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NU#NYSE">NU</a>), we notice a call option trade that happens to be bullish, expiring in 39 day(s) on July 18, 2025. This event was a transfer of 3000 contract(s) at a $13.00 strike. The total cost received by the writing party (or parties) was $69.0K, with a price of $23.0 per contract. There were 7403 open contracts at this strike prior to today, and today 5772 contract(s) were bought and sold. 
• For KKR (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KKR#NYSE">KKR</a>), we notice a call option sweep that happens to be bullish, expiring in 193 day(s) on December 19, 2025. This event was a transfer of 41 contract(s) at a $125.00 strike. This particular call needed to be split into 6 different trades to become filled. The total cost received by the writing party (or parties) was $59.0K, with a price of $1440.0 per contract. There were 236 open contracts at this strike prior to today, and today 1813 contract(s) were bought and sold. 
• For COF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>), we notice a call option trade that happens to be bearish, expiring in 11 day(s) on June 20, 2025. This event was a transfer of 100 contract(s) at a $200.00 strike. The total cost received by the writing party (or parties) was $39.0K, with a price of $390.0 per contract. There were 5599 open contracts at this strike prior to today, and today 995 contract(s) were bought and sold. 
• Regarding SOFI (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>), we observe a call option trade with bullish sentiment. It expires in 221 day(s) on January 16, 2026. Parties traded 150 contract(s) at a $15.00 strike. The total cost received by the writing party (or parties) was $34.6K, with a price of $231.0 per contract. There were 77439 open contracts at this strike prior to today, and today 752 contract(s) were bought and sold. 
• For JPM (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>), we notice a call option trade that happens to be neutral, expiring in 102 day(s) on September 19, 2025. This event was a transfer of 100 contract(s) at a $275.00 strike. The total cost received by the writing party (or parties) was $103.0K, with a price of $1030.0 per contract. There were 2181 open contracts at this strike prior to today, and today 163 contract(s) were bought and sold. 
• Regarding V (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>), we observe a call option trade with bearish sentiment. It expires in 39 day(s) on July 18, 2025. Parties traded 50 contract(s) at a $365.00 strike. The total cost received by the writing party (or parties) was $54.2K, with a price of $1085.0 per contract. There were 907 open contracts at this strike prior to today, and today 81 contract(s) were bought and sold. 
• Regarding XYZ (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XYZ#NYSE">XYZ</a>), we observe a call option trade with bullish sentiment. It expires in 221 day(s) on January 16, 2026. Parties traded 50 contract(s) at a $70.00 strike. The total cost received by the writing party (or parties) was $45.0K, with a price of $900.0 per contract. There were 3251 open contracts at this strike prior to today, and today 70 contract(s) were bought and sold. 
• For AFRM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AFRM#NASDAQ">AFRM</a>), we notice a put option trade that happens to be bearish, expiring in 221 day(s) on January 16, 2026. This event was a transfer of 47 contract(s) at a $65.00 strike. The total cost received by the writing party (or parties) was $66.7K, with a price of $1420.0 per contract. There were 2202 open contracts at this strike prior to today, and today 64 contract(s) were bought and sold. 
• For SYF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), we notice a call option sweep that happens to be neutral, expiring in 11 day(s) on June 20, 2025. This event was a transfer of 58 contract(s) at a $57.50 strike. This particular call needed to be split into 58 different trades to become filled. The total cost received by the writing party (or parties) was $25.6K, with a price of $441.0 per contract. There were 186 open contracts at this strike prior to today, and today 57 contract(s) were bought and sold. 
Options Alert Terminology 
 - Call Contracts: The right to buy shares as indicated in the contract. 
 - Put Contracts: The right to sell shares as indicated in the contract. 
 - Expiration Date: When the contract expires. One must act on the contract by this date if one wants to use it. 
 - Premium/Option Price: The price of the contract. 
For more information, visit our <a href="https://pro.benzinga.com/blog/how-to-understand-option-alerts/">Guide to Understanding Options Alerts</a> or read <a href="https://www.benzinga.com/markets/options">more about unusual options activity</a>. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Options

AFRM

SOFI

10 Financials Stocks With Whale Alerts In Today's Session

Synchrony to become exclusive issuer of OnePay credit cards at Walmart, with the credit card experience embedded inside the OnePay app
The program will add credit cards to OnePay's growing portfolio of financial services products, helping consumers save, spend, borrow, and grow their money — all in one place
NEW YORK and STAMFORD, Conn., June 9, 2025 /PRNewswire/ -- OnePay, a leading consumer fintech, and Synchrony (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), a premier consumer financial services company, today announced a strategic partnership to exclusively power a new industry-leading credit card program with Walmart (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WMT#NYSE">WMT</a>). The credit card program is expected to launch this fall, with the experience embedded inside the OnePay app and powered by Mastercard's global payments network, and will be made available to millions of Walmart customers and to consumers across the U.S.

OnePay And Synchrony Announce Strategic Partnership To Exclusively Power New Industry-Leading Credit Card Program With Walmart

Includes a limited-time offer for customers to pay for travel purchases over six months with promotional financing and no minimum spend1
SAN JOSE, Calif., June 3, 2025 /PRNewswire/ -- Today,&nbsp;PayPal announced that PayPal Credit can now be used everywhere with the introduction of a new physical card, issued by Synchrony (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>). This expands its popular digital PayPal Credit offering to use both online when checking out with PayPal and in-store and everywhere Mastercard&#xAE; is accepted.

PYPL

Paypal Announces That PayPal Credit Can Now Be Used Everywhere With The Introduction Of A New Physical Card, Issued By Synchrony

ALLY

ARES

FITB

HBAN

NTRS

SCHW

SPGI

TROW

Shares of banks and financial services stocks are higher after the US and China agreed to a temporary reduction in most tariffs on each other's goods. A reduction in tariffs could alleviate macro uncertainty in the lending and deal environment.

ACGL

ERIE

FINV

FUTU

HOOD

IBKR

KNSL

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PLMR

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STEP

UPST

Shares of companies within the broader financial sector are trading higher amid overall market strength following April's jobs data and reports that China's Commerce Ministry is assessing possible trade talks with the US.

Truist Securities analyst Brian Foran maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Hold and lowers the price target from $65 to $57.

Truist Securities Maintains Hold on Synchrony Financial, Lowers Price Target to $57

Bakkt Holdings, Inc. Class A Common Stock

BKKT

COIN

HUIZ

INTR

LPRO

SHF Holdings, Inc. - Class A Common Stock

SHFS

TREE

Shares of companies within the broader financial sector are trading higher amid overall market strength due to March's strong durable goods orders economic data, and President Trump's announcement that he met with China earlier today.

Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) underwent analysis by 11 analysts in the last quarter, revealing a spectrum of viewpoints from bullish to bearish.
Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">4</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have set 12-month price targets for Synchrony Financial, revealing an average target of $65.91, a high estimate of $85.00, and a low estimate of $44.00. A 13.28% drop is evident in the current average compared to the previous average price target of $76.00. 
<img src="https://www.benzinga.com/files/images/story/2025/1745438469_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
An in-depth analysis of recent analyst actions unveils how financial experts perceive Synchrony Financial. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
&#x7C; Analyst &#x7C; Analyst Firm &#x7C; Action Taken &#x7C; Rating &#x7C;Current Price Target&#x7C; Prior Price Target &#x7C; 
&#x7C;--------------------&#x7C;--------------------&#x7C;---------------&#x7C;---------------&#x7C;--------------------&#x7C;--------------------&#x7C; 
&#x7C;Donald Fandetti &#x7C;Wells Fargo &#x7C;Lowers &#x7C;Overweight &#x7C; $65.00&#x7C;$70.00 &#x7C; 
&#x7C;John Pancari &#x7C;Evercore ISI Group &#x7C;Lowers &#x7C;Outperform &#x7C; $56.00&#x7C;$64.00 &#x7C; 
&#x7C;Richard Shane &#x7C;JP Morgan &#x7C;Lowers &#x7C;Overweight &#x7C; $50.00&#x7C;$76.00 &#x7C; 
&#x7C;Jeff Adelson &#x7C;Morgan Stanley &#x7C;Lowers &#x7C;Equal-Weight &#x7C; $44.00&#x7C;$82.00 &#x7C; 
&#x7C;Donald Fandetti &#x7C;Wells Fargo &#x7C;Lowers &#x7C;Overweight &#x7C; $70.00&#x7C;$85.00 &#x7C; 
&#x7C;Brian Foran &#x7C;Truist Securities &#x7C;Lowers &#x7C;Hold &#x7C; $65.00&#x7C;$77.00 &#x7C; 
&#x7C;Alex Scott &#x7C;Goldman Sachs &#x7C;Lowers &#x7C;Buy &#x7C; $70.00&#x7C;$82.00 &#x7C; 
&#x7C;Brian Foran &#x7C;Truist Securities &#x7C;Raises &#x7C;Hold &#x7C; $77.00&#x7C;$72.00 &#x7C; 
&#x7C;Karl Shepard &#x7C;RBC Capital &#x7C;Raises &#x7C;Sector Perform &#x7C; $73.00&#x7C;$70.00 &#x7C; 
&#x7C;David Rochester &#x7C;Compass Point &#x7C;Announces &#x7C;Neutral &#x7C; $70.00&#x7C;- &#x7C; 
&#x7C;Mihir Bhatia &#x7C;B of A Securities &#x7C;Raises &#x7C;Buy &#x7C; $85.00&#x7C;$82.00 &#x7C;
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Synchrony Financial. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Unveiling insights, analysts deliver qualitative insights into stock performance, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Synchrony Financial compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Synchrony Financial's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Synchrony Financial's market position. Stay informed and make well-informed decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/SYF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Synchrony Financial analyst ratings.</a>
<h2>Unveiling the Story Behind Synchrony Financial</h2>
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
<h3>Synchrony Financial: Financial Performance Dissected</h3>
Market Capitalization: Positioned above industry average, the company's market capitalization underscores its superiority in size, indicative of a strong market presence.
Positive Revenue Trend: Examining Synchrony Financial's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 3.88% as of 31 December, 2024, showcasing a substantial increase in top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Synchrony Financial's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 19.81%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): Synchrony Financial's financial strength is reflected in its exceptional ROE, which exceeds industry averages. With a remarkable ROE of 5.0%, the company showcases efficient use of equity capital and strong financial health.
Return on Assets (ROA): Synchrony Financial's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.63%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: Synchrony Financial's debt-to-equity ratio is below the industry average. With a ratio of 1.01, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
<h2>Analyst Ratings: What Are They?</h2>
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Expectations For Synchrony Financial's Future

Wells Fargo analyst Donald Fandetti maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Overweight and lowers the price target from $70 to $65.

Wells Fargo Maintains Overweight on Synchrony Financial, Lowers Price Target to $65

Evercore ISI Group analyst John Pancari maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Outperform and lowers the price target from $64 to $56.

Evercore ISI Group Maintains Outperform on Synchrony Financial, Lowers Price Target to $56

Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) reported <a href="https://www.benzinga.com/pressreleases/25/04/n44917026/synchrony-reports-first-quarter-2025-results-company-also-announces-quarterly-common-stock-dividen">first-quarter FY25 revenue growth of 1.3%</a> year-on-year to $4.46 billion, missing the analyst consensus estimate of $4.46 billion.
Net revenue <a href="https://d1io3yog0oux5.cloudfront.net/_56eb5ce702fafb8ad9e0b0b36ad89437/synchrony/db/3606/33854/earnings_release/Earnings+Press+Release+with+Financial+Tables+%281Q%2725%29.pdf">decreased&nbsp;22.5%&nbsp;Y/Y to&nbsp;$3.72 billion</a>, while net interest margin improved&nbsp;19 basis points to 14.74% in the quarter.
Period-end loan receivables declined&nbsp;2%&nbsp;Y/Y to&nbsp;$99.6 billion, and purchase volume declined&nbsp;4% Y/Y&nbsp;to&nbsp;$40.7 billion in the quarter.
Interest and fees on loans remained flat to the prior year at $5.3 billion as growth in loan receivables yield, primarily reflecting the impact of product, pricing, and policy changes (PPPCs), was offset by a combination of lower benchmark rates and lower late fee incidence.
Synchrony&#8217;s average active accounts declined 3% Y/Y to 69.3 million, and deposits fell 0.1% Y/Y to $83.4 billion in the quarter.
SYF returned $697 million in capital to shareholders, including $600 million of share repurchases and $97 million of common stock dividends.
Provision for credit losses was $1.5 billion, a decrease of $393 million driven by a reserve release of $97 million versus a reserve build of $299 million in the prior year.
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Net earnings decreased 41% Y/Y to $757 million. The company reported EPS of&nbsp;$1.89, <a href="https://www.benzinga.com/earnings">beating the consensus</a> estimate of $1.64.
Synchrony&#8217;s return on assets decreased by 190 basis points to 2.5% and the efficiency ratio improved 830 basis points to 33.4%.
The estimated Common Equity Tier 1 ratio was&nbsp;13.2% compared to 12.6%&nbsp;in the prior year, and the estimated Tier 1 Capital ratio was&nbsp;14.4% compared to 13.8%&nbsp;in the prior year.
During the quarter, Synchrony renewed or added more than 10 partners, including Ashley, Discount Tire, American Eagle, Sun Country, and Texas A&amp;M Veterinary Hospital.
The company&#8217;s Board of Directors increased the quarterly cash dividend by 20% to $0.30 per share, payable on&nbsp;May 15, 2025&nbsp;to holders of record at the close of business on&nbsp;May 5, 2025.
The Board also approved a share repurchase program of up to $2.5 billion, starting in the second quarter of 2025 and running through June 30, 2026. 
Brian Doubles, Synchrony&#8217;s executive vice president and chief financial officer, stated, "During the quarter, Synchrony continued to leverage our core strengths – our proprietary data, our sophisticated credit underwriting, our diversified product suite and distribution channels, and our strong execution – to empower our approximately 70 million customers with prudent financial flexibility and enduring value, while also delivering loyalty and sales to the many partners, providers and small businesses that form the foundation of our economy.&#8221;
FY25&nbsp;Outlook:&nbsp;Synchrony reaffirmed revenue guidance of $15.20 billion &#8211; $15.70 billion with an estimate of $18.73 billion.
Price Action: SYF shares are trading higher by 0.87% at $47.68 at last check on Tuesday.
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Photo: Shutterstock

General

Synchrony Financial Q1: Earnings Beat, Lower Purchase Volume, Active Accounts Decline And More

Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) affirms FY2025 sales outlook from $15.20 billion-$15.70 billion to $15.20 billion-$15.70 billion vs $18.73 billion estimate.

Guidance

Synchrony Financial Affirms FY2025 Net revenue Guidance of $15.20B-$15.70B vs $18.73B Est

Dividends

Buybacks

Synchrony Financial Board Approved Up To $2.5B Share Repurchase Program; Co. Also Raised Quarterly Dividend From $0.25 To $0.30/Share

Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) reported quarterly earnings of $1.89 per share which beat the analyst consensus estimate of $1.64 by 15.24 percent. This is a 60.17 percent increase over earnings of $1.18 per share from the same period last year. The company reported quarterly sales of $4.46 billion which missed the analyst consensus estimate of $4.56 billion by 2.11 percent. This is a 1.34 percent increase over sales of $4.41 billion the same period last year.

Earnings

Earnings Beats

Earnings Misses

Synchrony Finl Q1 GAAP EPS $1.89 Beats $1.64 Estimate, Sales $4.46B Miss $4.56B Estimate

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This article was generated by Benzinga's automated content engine and reviewed by an editor.

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streetTRACKS Dow Jones U.S. Large Cap Value Index Fund

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HOPE

IRDM

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MBWM

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Earnings Scheduled For April 22, 2025

Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) is set to give its latest quarterly earnings report on Tuesday, 2025-04-22. Here's what investors need to know before the announcement.
Analysts estimate that Synchrony Finl will report an earnings per share (EPS) of $1.67. 
The market awaits Synchrony Finl's announcement, with hopes high for news of surpassing estimates and providing upbeat guidance for the next quarter.
It's important for new investors to understand that guidance can be a significant driver of stock prices.
<h3>Earnings Track Record</h3>
Last quarter the company missed EPS by $0.01, which was followed by a 3.17% increase in the share price the next day.
Here's a look at Synchrony Finl's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q4 2024</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>1.92</td>
<td>1.79</td>
<td>1.35</td>
<td>1.35</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>1.91</td>
<td>1.94</td>
<td>1.55</td>
<td>1.18</td>
</tr>
<tr>
<td>Price Change %</td>
<td>3.0%</td>
<td>0.0%</td>
<td>-3.0%</td>
<td>-1.0%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2025/1745251281_0.png" alt="eps graph" />
<h3>Stock Performance</h3>
Shares of Synchrony Finl were trading at $47.87 as of April 18. Over the last 52-week period, shares are up 8.48%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release. 
<h3>Analyst Opinions on Synchrony Finl</h3>
Understanding market sentiments and expectations within the industry is crucial for investors. This analysis delves into the latest insights on Synchrony Finl.
The consensus rating for Synchrony Finl is Neutral, based on 9 analyst ratings. With an average one-year price target of $67.11, there's a potential 40.19% upside.
<h3>Comparing Ratings with Competitors</h3>
The following analysis focuses on the analyst ratings and average 1-year price targets of FirstCash Hldgs and Enova International, three prominent industry players, providing insights into their relative performance expectations and market positioning.
<ul>
<li>Analysts currently favor an Outperform trajectory for FirstCash Hldgs, with an average 1-year price target of $137.0, suggesting a potential 186.19% upside.</li>
<li>Analysts currently favor an Buy trajectory for Enova International, with an average 1-year price target of $134.5, suggesting a potential 180.97% upside.</li>
</ul>
<h3>Peer Metrics Summary</h3>
The peer analysis summary provides a snapshot of key metrics for FirstCash Hldgs and Enova International, illuminating their respective standings within the industry. These metrics offer valuable insights into their market positions and comparative performance.

<table>
<thead>
<tr>
<th>Company</th>
<th>Consensus</th>
<th>Revenue Growth</th>
<th>Gross Profit</th>
<th>Return on Equity</th>
</tr>
</thead>
<tbody>
<tr>
<td>Credit Acceptance</td>
<td>Neutral</td>
<td>14.89%</td>
<td>$351.10M</td>
<td>8.95%</td>
</tr>
<tr>
<td>FirstCash Hldgs</td>
<td>Outperform</td>
<td>3.72%</td>
<td>$433.69M</td>
<td>4.12%</td>
</tr>
<tr>
<td>Enova International</td>
<td>Buy</td>
<td>25.01%</td>
<td>$336.05M</td>
<td>5.36%</td>
</tr>
</tbody>
</table>

Key Takeaway:
Synchrony Financial ranks in the middle among its peers for Consensus rating. It is at the top for Revenue Growth, indicating strong performance in this area. In terms of Gross Profit, Synchrony Financial is at the top compared to its peers. However, for Return on Equity, it is at the bottom among the group.
<h3>About Synchrony Finl</h3>
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
<h3>Unraveling the Financial Story of Synchrony Finl</h3>
Market Capitalization: Boasting an elevated market capitalization, the company surpasses industry averages. This signals substantial size and strong market recognition.
Revenue Growth: Synchrony Finl displayed positive results in 3 months. As of 31 December, 2024, the company achieved a solid revenue growth rate of approximately 3.88%. This indicates a notable increase in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of 19.81%, the company showcases strong profitability and effective cost control.
Return on Equity (ROE): Synchrony Finl's ROE stands out, surpassing industry averages. With an impressive ROE of 5.0%, the company demonstrates effective use of equity capital and strong financial performance.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.63%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: With a below-average debt-to-equity ratio of 1.01, Synchrony Finl adopts a prudent financial strategy, indicating a balanced approach to debt management.
<a href="https://www.benzinga.com/quote/SYF/earnings">To track all earnings releases for Synchrony Finl visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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