Synchrony Financial (NYSE:SYF) Bolsa

Synchrony Finl

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

AB Active ETFs, Inc. AB Short Duration High Yield ETF

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

SAN AIG BOH ING
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Shares of several banking and broader financial stocks are trading higher in sympathy with overall market sentiment after the Fed policy decision to keep rates unchanged.

The latest market downturn has left many investors questioning whether this is a temporary dip or the beginning of <a href="https://www.benzinga.com/markets">a prolonged bear market.</a>
Yet, an eye-opening indicator suggests that opportunities may be more abundant than feared—95% of S&amp;P 500 stocks currently hold a median analyst price target above their latest trading price, signaling significant upside potential across the board.
Notably, two Magnificent Seven stocks—Nvidia Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>) and Tesla Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>)—rank among the top when comparing the gap between Wall Street&#8217;s median price target and current prices, a quite uncommon event for tech giants that traditionally trade at valuation premiums.
<h3 class="wp-block-heading">Is This A Market Bottom Or A Value Trap?</h3>
The S&amp;P 500 officially entered correction territory last week, leaving investors to wonder whether the worst is over or if further downside awaits.
Ed Yardeni, president of Yardeni Research, has been one of the more bullish voices on Wall Street. Last week, he raised his probability of a bearish scenario from 20% to 35%. That forecast includes the possibility of a recession or stagflation—a combination of stagnant growth and inflation.
Yardeni also acknowledged the possibility that a bear market may have begun on Feb. 20, the day after the S&amp;P 500 reached a record high. This shift in sentiment led him to lower his year-end 2025 S&amp;P 500 target from 7,000 to 6,400.
From a technical standpoint, only 41% of S&amp;P 500 stocks are trading above their 200-day moving average, signaling that most have fallen below a key trend support level, potentially confirming a bearish phase.
Yet, long-term market data provides a reason for optimism. 
Jeffrey Buchbinder, chief equity strategist at LPL Financial, points out that market corrections—defined as a decline of 10% or more—occur every 1.1 years on average, dating back to 1928. 
&#8220;Corrections also tend to produce attractive buying opportunities&#8221;
Since 1950, the S&amp;P 500 has experienced an average intra-year drawdown of a negative 13.7%, yet it has still managed to post an average annual gain of 9.5%, with 73% of those years ending in positive territory. 
Even in years when the index experienced an intra-year decline of 10% to 20%, the average annual return was still 8.4%, with 64% of those years finishing higher.
<h3 class="wp-block-heading">Which Stocks Have The Biggest Upside?</h3>
Based on current analyst price targets, several stocks stand out for their potential gains. 
Deckers Outdoor Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DECK#NYSE">DECK</a>) leads the list, with a median price target nearly 95% higher than its last price. First Solar Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FSLR#NASDAQ">FSLR</a>) follows closely, with a projected upside of 93%.
Notably, Tesla and Nvidia, two of the most closely watched growth stocks, also rank high on the list. Analysts see Tesla's price target at $371.50, representing a 64.9% upside, while Nvidia's median price target sits at $175, implying a 51.6% gain from current levels.
Other stocks with significant upside potential include:
<ul>
<li>Caesars Entertainment Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZR#NASDAQ">CZR</a>) &#8211; 81.4% potential upside</li>
<li>Western Digital Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WDC#NASDAQ">WDC</a>) &#8211; 80.4% potential upside</li>
<li>United Airlines Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UAL#NASDAQ">UAL</a>) &#8211; 80.2% potential upside</li>
<li>Delta Air Lines Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DAL#NYSE">DAL</a>) &#8211; 72.0% potential upside</li>
</ul>
<figure class="wp-block-table is-style-stripes"> 
<table>
<thead>
<tr>
<th>#</th>
<th>Stock name</th>
<th>Last Price</th>
<th>Price Target &#8211; Median</th>
<th>Target vs. Last Price %</th>
</tr>
</thead>
<tbody>
<tr>
<td>1</td>
<td>Deckers Outdoor Corp.</td>
<td>115.30</td>
<td>225.00</td>
<td>95.14%</td>
</tr>
<tr>
<td>2</td>
<td>First Solar, Inc. </td>
<td>127.34</td>
<td>245.95</td>
<td>93.14%</td>
</tr>
<tr>
<td>3</td>
<td>Caesars Entertainment, Inc. </td>
<td>27.56</td>
<td>50.00</td>
<td>81.42%</td>
</tr>
<tr>
<td>4</td>
<td>Western Digital Corp.</td>
<td>44.34</td>
<td>80.00</td>
<td>80.42%</td>
</tr>
<tr>
<td>5</td>
<td>United Airlines Holdings, Inc. </td>
<td>71.34</td>
<td>128.60</td>
<td>80.26%</td>
</tr>
<tr>
<td>6</td>
<td>Delta Air Lines, Inc. </td>
<td>45.92</td>
<td>79.00</td>
<td>72.04%</td>
</tr>
<tr>
<td>7</td>
<td>Tesla, Inc. </td>
<td>225.31</td>
<td>371.50</td>
<td>64.88%</td>
</tr>
<tr>
<td>8</td>
<td>Norwegian Cruise Line Holdings Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NCLH#NYSE">NCLH</a>)</td>
<td>19.07</td>
<td>31.00</td>
<td>62.56%</td>
</tr>
<tr>
<td>9</td>
<td>Align Technology, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ALGN#NASDAQ">ALGN</a>)</td>
<td>164.53</td>
<td>260.00</td>
<td>58.03%</td>
</tr>
<tr>
<td>10</td>
<td>Constellation Energy Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CEG#NASDAQ">CEG</a>)</td>
<td>210.85</td>
<td>331.50</td>
<td>57.22%</td>
</tr>
<tr>
<td>11</td>
<td>MGM Resorts International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MGM#NYSE">MGM</a>)</td>
<td>31.86</td>
<td>50.00</td>
<td>56.94%</td>
</tr>
<tr>
<td>12</td>
<td>Carnival Corp. &amp; plc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CCL#NYSE">CCL</a>)</td>
<td>20.12</td>
<td>31.00</td>
<td>54.08%</td>
</tr>
<tr>
<td>13</td>
<td>Nvidia Corp. </td>
<td>115.43</td>
<td>175.00</td>
<td>51.61%</td>
</tr>
<tr>
<td>14</td>
<td>KKR &amp; Co. Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KKR#NYSE">KKR</a>)</td>
<td>114.02</td>
<td>170.00</td>
<td>49.10%</td>
</tr>
<tr>
<td>15</td>
<td>Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>)</td>
<td>53.05</td>
<td>79.00</td>
<td>48.92%</td>
</tr>
<tr>
<td>16</td>
<td>Iron Mountain Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IRM#NYSE">IRM</a>)</td>
<td>87.62</td>
<td>127.50</td>
<td>45.51%</td>
</tr>
<tr>
<td>17</td>
<td>Royal Caribbean Cruises Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RCL#NYSE">RCL</a>)</td>
<td>203.38</td>
<td>295.00</td>
<td>45.05%</td>
</tr>
<tr>
<td>18</td>
<td>Dell Technologies Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DELL#NYSE">DELL</a>)</td>
<td>96.44</td>
<td>139.00</td>
<td>44.13%</td>
</tr>
<tr>
<td>19</td>
<td>Super Micro Computer, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SMCI#NASDAQ">SMCI</a>)</td>
<td>37.90</td>
<td>54.50</td>
<td>43.80%</td>
</tr>
<tr>
<td>20</td>
<td>Synopsys Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SNPS#NASDAQ">SNPS</a>)</td>
<td>447.99</td>
<td>644.00</td>
<td>43.75%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Data: Koyfin</figcaption></figure>
Read now: 
<ul>
<li><a href="https://www.benzinga.com/economics/macro-economic-events/25/03/44379453/equity-exposure-plummets-cash-holdings-jump-as-investors-rethink-us-exceptionalism-bank-of-america-survey">Equity Exposure Plummets, Cash Holdings Jump As Investors Rethink &#8216;US Exceptionalism,&#8217; Bank Of America Survey</a></li>
</ul>
Photo: Shutterstock

Analysts See Upside For 95% Of S&P 500 Stocks: How Nvidia, Tesla Stack Up

Analysts' ratings for Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) over the last quarter vary from bullish to bearish, as provided by 9 analysts.
The table below summarizes their recent ratings, showcasing the evolving sentiments within 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">3</td>
<td align="right">1</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">1</td>
<td align="right">0</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">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">1</td>
<td align="right">0</td>
<td align="right">3</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">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $74.89, a high estimate of $85.00, and a low estimate of $66.00. This current average has increased by 5.79% from the previous average price target of $70.79. 
<img src="https://www.benzinga.com/files/images/story/2025/1742328043_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</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>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Lowers</td>
<td>Buy</td>
<td>$70.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$77.00</td>
<td>$72.00</td>
</tr>
<tr>
<td>Karl Shepard</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$73.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Neutral</td>
<td>$70.00</td>
<td>-</td>
</tr>
<tr>
<td>Mihir Bhatia</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$85.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Eric Wasserstrom</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$66.00</td>
<td>$58.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$82.00</td>
<td>$72.50</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Hold</td>
<td>$72.00</td>
<td>-</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$79.00</td>
<td>$59.00</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: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Synchrony Financial compared to the broader market.</li>
<li>Price Targets: Analysts navigate through adjustments in price targets, providing estimates for Synchrony Financial's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</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>All You Need to Know About 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>Key Indicators: Synchrony Financial's Financial Health</h3>
Market Capitalization Analysis: The company's market capitalization surpasses industry averages, showcasing a dominant size relative to peers and suggesting a strong market position.
Positive Revenue Trend: Examining Synchrony Financial's financials over 3 months 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. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
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 ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 5.0% ROE, the company effectively utilizes shareholder equity capital.
Return on Assets (ROA): Synchrony Financial's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.63%, 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 1.01, reflecting a lower dependency on debt financing and a more conservative financial approach.
<h2>The Basics of Analyst Ratings</h2>
Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. 
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.
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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

As tax season <a href="https://www.benzinga.com/topic/taxes">kicks into high gear</a>, one analyst noted an increase in tax refunds that could leave taxpayers with more cash as they head into spring.
Bank of America analyst Mihir Bhatia analyzed consumer finances as we move into the final weeks of tax season.
Bhatia noted a continued increase in tax refunds by the Internal Revenue Service through 2025. Year-to-date, tax refunds are running 6% higher than they did in 2024, ahead of last year for the third straight week. This year&#8217;s average refund amount is $3,324, up 5.7% from last year.
&#8220;Higher aggregate refunds should be a tailwind for consumers, particularly lower income consumers who use tax refunds for debt paydown and big-ticket purchases,&#8221; the analyst said. &#8220;Total amount refunded running ahead on a y/y basis, well into tax season, is a positive sign for consumer balance sheets.&#8221;
Bhatia said Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), Bread Financial Holdings Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BFH#NYSE">BFH</a>) and Capital One Financial Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>) are the financial services companies &#8220;most exposed to consumers who will utilize tax refunds to pay down debt and for down payments on big-ticket purchases.&#8221; Synchrony and Bread specialize in private-label credit cards at retailers.
Despite President Donald Trump&#8216;s insinuations to cut back on government assistance program funding, the analyst believes government transfer payments will tick up in 2025. This increase will be driven by social security payments rather than relief for younger individuals.
&#8220;We estimate US consumers to receive $70B more in government transfer payments in 2025 vs. 2024, driven by higher social security payments, slightly offset by an increase in student loan payments and lower SNAP payments,&#8221; Bhatia said. &#8220;Overall, while the net impact is more money in the hands of consumers, it appears the benefit would be concentrated among social security recipients, while younger individuals (student loan payments) could face some incremental pressure.&#8221;
Also Read:
<ul>
<li><a href="https://www.benzinga.com/economics/macro-economic-events/25/03/44379453/equity-exposure-plummets-cash-holdings-jump-as-investors-rethink-us-exceptionalism-bank-of-america-survey">Equity Exposure Plummets, Cash Holdings Jump As Investors Rethink &#8216;US Exceptionalism,&#8217; Bank Of America Survey</a></li>
</ul>
Photo: Shutterstock

Personal Finance

Tax Refunds Tick Up In 2025: Synchrony Financial, CapitalOne Affected

Goldman Sachs analyst Alex Scott maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Buy and lowers the price target from $82 to $70.

News

Goldman Sachs Maintains Buy on Synchrony Financial, Lowers Price Target to $70

ARES

IBKR

Shares of banking and financial services stocks are trading lower. The sector may be down on overall market concerns amid tariff uncertainty.

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AGMH

Brighthouse Financial, Inc. - Common Stock

Bakkt Holdings, Inc. Class A Common Stock

BKKT

CRBG

FRHC

HIPO

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KSPI

LMND

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OPRT

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PowerShares Exchange Traded Fund Trust Dynamic Mid Cap Value Portfolio

SNEX

STEP

TREE

UPST

Shares of companies within the broader financial sector are trading lower amid economic worries driven by tariffs and trade policies. Investors may be expecting a decline in investment and consumer spending, which may also be weighing on the industry.

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Shares of banking and financial services stocks are trading lower amid overall market weakness on rising yields and trade uncertainty.

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Shares of companies in the broader financial services sector are trading lower amid overall market uncertainty after president Trump confirmed Mar 4 tariffs.

BBAR

BBDO

DOMH

NRDS

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Shares of companies in the broader financial sector are trading lower amid overall market weakness on US consumer and economic concerns.

EMCG

FCNCA

RILY

Shares of companies within the broader financial sector are trading lower amid overall market weakness. Investors may be evaluating the risk of inflation as the retail sector shows early signs of a weaker consumer.

Truist Securities analyst Brian Foran maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Hold and raises the price target from $72 to $77.

Truist Securities Maintains Hold on Synchrony Finl, Raises Price Target to $77

During the last three months, 12 analysts shared their evaluations of Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), revealing diverse outlooks 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">4</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">2</td>
<td align="right">1</td>
<td align="right">3</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">3</td>
<td align="right">0</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">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $76.29, a high estimate of $85.00, and a low estimate of $66.00. Witnessing a positive shift, the current average has risen by 18.0% from the previous average price target of $64.65.
<img src="https://www.benzinga.com/files/images/story/2025/1738188021_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
The perception of Synchrony Finl by financial experts is analyzed through recent analyst actions. The following summary presents 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>Karl Shepard</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$73.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Neutral</td>
<td>$70.00</td>
<td>-</td>
</tr>
<tr>
<td>Mihir Bhatia</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$85.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Eric Wasserstrom</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$66.00</td>
<td>$58.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$82.00</td>
<td>$72.50</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Hold</td>
<td>$72.00</td>
<td>-</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$79.00</td>
<td>$59.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Buy</td>
<td>$77.00</td>
<td>$60.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Outperform</td>
<td>$82.00</td>
<td>$62.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Overweight</td>
<td>$72.00</td>
<td>$59.00</td>
</tr>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$85.00</td>
<td>$60.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$72.50</td>
<td>$64.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Synchrony Finl. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Synchrony Finl compared to the broader market.</li>
<li>Price Targets: Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.</li>
</ul>
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Synchrony Finl's market position. Stay informed and make well-informed decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/SYF/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Synchrony Finl analyst ratings.</a>
<h2>Delving into Synchrony Finl's Background</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 Finl: Financial Performance Dissected</h3>
Market Capitalization Analysis: With an elevated market capitalization, the company stands out above industry averages, showcasing substantial size and market acknowledgment.
Revenue Growth: Synchrony Finl's revenue growth over a period of 3 months has been noteworthy. As of 30 September, 2024, the company achieved a revenue growth rate of approximately 9.76%. This indicates a substantial increase in the company's top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Net Margin: Synchrony Finl's net margin is impressive, surpassing industry averages. With a net margin of 20.14%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): Synchrony Finl's ROE excels beyond industry benchmarks, reaching 5.28%. This signifies robust financial management and efficient use of shareholder equity capital.
Return on Assets (ROA): Synchrony Finl's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.64%, the company may face hurdles in achieving optimal financial performance.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 1.06.
<h2>The Core of Analyst Ratings: What Every Investor Should Know</h2>
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.
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Forecasting The Future: 12 Analyst Projections For Synchrony Finl

Synchrony Financial shares are trading higher after RBC Capital raised its price target on the stock from $70 to $73.

RBC Capital analyst Karl Shepard maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Sector Perform and raises the price target from $70 to $73.

RBC Capital Maintains Sector Perform on Synchrony Finl, Raises Price Target to $73

Compass Point analyst David Rochester downgrades Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) from Buy to Neutral and announces $70 price target.

Downgrades

Compass Point Downgrades Synchrony Finl to Neutral, Announces $70 Price Target

B of A Securities analyst Mihir Bhatia maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Buy and raises the price target from $82 to $85.

B of A Securities Maintains Buy on Synchrony Finl, Raises Price Target to $85

Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) shares are trading lower premarket on Tuesday. The company reported&nbsp;fourth-quarter&nbsp;net interest income that rose 2.8% year-over-year to $4.59 billion,&nbsp;<a target="_blank" href="https://www.benzinga.com/pressreleases/25/01/n43260147/synchrony-reports-fourth-quarter-2024-results" rel="noreferrer noopener">beating the consensus of&nbsp;$4.46 billion</a>.
Higher interest and fees on loans drove net interest income growth. Net revenue rose&nbsp;3.9%&nbsp;Y/Y to&nbsp;$3.801 billion, while net interest margin declined <a target="_blank" href="https://d1io3yog0oux5.cloudfront.net/_e50d7e6dcf0a9b23cfae3afb4db60044/synchrony/db/3606/33812/earnings_release/Earnings+Press+Release+with+Financial+Tables+%284Q%2724%29.pdf" rel="noreferrer noopener">9 </a>basis points to 15.01% in the quarter.
Period-end loan receivables rose&nbsp;1.7%&nbsp;Y/Y to&nbsp;$104.7 billion, and purchase volume declined&nbsp;2.8% Y/Y&nbsp;to&nbsp;$48 billion in the quarter.
Interest and fees on loans increased 3%&nbsp;Y/Y to&nbsp;$5.5 billion, driven by average loan receivables growth, impact of product and pricing and policy changes.
Synchrony's average active accounts declined 2% Y/Y to 70.3 million, but deposits grew&nbsp;1%&nbsp;Y/Y to&nbsp;$82.1 billion&nbsp;in the quarter.
SYF returned&nbsp;$197 million&nbsp;in capital to shareholders, including&nbsp;$100 million&nbsp;in share repurchases and&nbsp;$97 million&nbsp;in common stock dividends.
Provision for credit losses was&nbsp;$1.6 billion, a decrease of&nbsp;$243 million&nbsp;led by a reserve release of $100 million.
Net earnings increased&nbsp;76%&nbsp;Y/Y to&nbsp;$774 million. The company reported EPS of&nbsp;$1.91, <a target="_blank" href="https://www.benzinga.com/earnings" rel="noreferrer noopener">missing the consensus of&nbsp;$1.93</a>.
Synchrony's return on assets increased 110 bps to&nbsp;2.6%, while the efficiency ratio declined 270 basis points to&nbsp;33.3%.
The estimated Common Equity Tier 1 ratio was&nbsp;13.3%, compared to&nbsp;12.2%&nbsp;in the prior year, and the estimated Tier 1 Capital ratio was&nbsp;14.5%, compared to&nbsp;12.9%&nbsp;in the prior year.
During the quarter, Synchrony added or renewed around 30 programs, including Generac and P.C. Richard &amp; Son.
In January, the company expanded its collaboration with Sam's Club and extended its nearly 25-year partnership with JCPenney, which now includes Synchrony Pay Later.
Brian Wenzel, Synchrony's Executive Vice President and Chief Financial Officer, stated, "While Synchrony's credit actions between mid-2023 through early 2024 continued to impact our new account and purchase volume growth during the fourth quarter, our customers continued to seek access to our flexible financing solutions — reflecting the strong appeal of our value propositions and utility of our offerings in a persistently inflationary environment.&#8221;
&#8221;Importantly, Synchrony's credit actions also enabled further improvement in the trajectory of our delinquency performance and, as a result, we remain confident in our ability to return to our long-term net charge-off target.&#8221;
&#8221;In addition, our RSA maintained the alignment of the interests between Synchrony and our partners, and Synchrony drove operating efficiency even as we continued to invest in our business.&#8221;
FY25&nbsp;Outlook: Synchrony expects net revenue of $15.2 billion &#8211; $<a target="_blank" href="https://d1io3yog0oux5.cloudfront.net/_e50d7e6dcf0a9b23cfae3afb4db60044/synchrony/db/3606/33812/presentation/4Q%2724+Earnings+Presentation_vF.pdf" rel="noreferrer noopener">15.7 </a>billion, period-end loan receivables growth in low single-digits and <a target="_blank" href="https://www.benzinga.com/calendars/guidance" rel="noreferrer noopener">efficiency ratio of 31.5% &#8211; 32.5%</a>.
Investors can gain exposure to the stock via iShares FinTech Active ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BPAY#NYSE">BPAY</a>) and First Trust Dorsey Wright Momentum &amp; Value ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DVLU#NASDAQ">DVLU</a>).
Price Action: SYF shares are down 3.92% at $67.12 premarket at the last check Tuesday.
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