Synchrony Financial (NYSE:SYF) Price Target Lowered to $84.00 at JPMorgan Chase & Co.

Synchrony Financial (NYSE:SYF) had its price objective reduced by JPMorgan Chase & Co. from $86.00 to $84.00 in a report released on Wednesday morning,Benzinga reports. They currently have a neutral rating on the financial services provider’s stock.

A number of other analysts also recently weighed in on SYF. Robert W. Baird downgraded Synchrony Financial from a “strong-buy” rating to a “hold” rating in a research report on Friday, December 5th. HSBC raised shares of Synchrony Financial from a “hold” rating to a “buy” rating and upped their price objective for the stock from $73.00 to $81.00 in a research report on Friday, October 10th. Royal Bank Of Canada reduced their price objective on shares of Synchrony Financial from $91.00 to $85.00 and set a “sector perform” rating on the stock in a research note on Wednesday. BTIG Research dropped their target price on shares of Synchrony Financial from $100.00 to $96.00 and set a “buy” rating for the company in a research report on Tuesday. Finally, Evercore ISI increased their price target on shares of Synchrony Financial from $83.00 to $84.00 and gave the stock an “outperform” rating in a research report on Tuesday, September 30th. One research analyst has rated the stock with a Strong Buy rating, thirteen have issued a Buy rating and nine have assigned a Hold rating to the company’s stock. Based on data from MarketBeat.com, Synchrony Financial has an average rating of “Moderate Buy” and an average target price of $87.47.

Synchrony Financial Stock Up 0.7%

Shares of SYF opened at $73.49 on Wednesday. Synchrony Financial has a 12 month low of $40.54 and a 12 month high of $88.77. The firm’s 50 day moving average is $80.98 and its 200-day moving average is $75.64. The stock has a market capitalization of $26.47 billion, a PE ratio of 8.02, a P/E/G ratio of 0.50 and a beta of 1.43. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 0.98.

Synchrony Financial (NYSE:SYF) last released its quarterly earnings results on Tuesday, January 27th. The financial services provider reported $2.18 earnings per share for the quarter, beating analysts’ consensus estimates of $2.02 by $0.16. The company had revenue of $3.79 billion during the quarter, compared to the consensus estimate of $3.84 billion. Synchrony Financial had a net margin of 15.72% and a return on equity of 23.07%. The firm’s quarterly revenue was down .2% on a year-over-year basis. During the same period in the previous year, the business earned $1.91 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. Equities research analysts forecast that Synchrony Financial will post 7.67 EPS for the current year.

Synchrony Financial declared that its Board of Directors has initiated a stock repurchase program on Wednesday, October 15th that authorizes the company to buyback $1.00 billion in shares. This buyback authorization authorizes the financial services provider to purchase up to 3.7% of its stock through open market purchases. Stock buyback programs are usually a sign that the company’s board believes its shares are undervalued.

Synchrony Financial Dividend Announcement

The business also recently announced a quarterly dividend, which will be paid on Tuesday, February 17th. Shareholders of record on Friday, February 6th will be paid a dividend of $0.30 per share. This represents a $1.20 dividend on an annualized basis and a dividend yield of 1.6%. The ex-dividend date of this dividend is Friday, February 6th. Synchrony Financial’s payout ratio is presently 13.10%.

Insider Transactions at Synchrony Financial

In related news, insider Jonathan S. Mothner sold 32,000 shares of the firm’s stock in a transaction on Monday, November 17th. The stock was sold at an average price of $72.80, for a total transaction of $2,329,600.00. Following the sale, the insider owned 127,100 shares of the company’s stock, valued at $9,252,880. This trade represents a 20.11% decrease in their position. The transaction was disclosed in a legal filing with the SEC, which is available through this hyperlink. Also, insider Curtis Howse sold 12,086 shares of the business’s stock in a transaction on Monday, November 3rd. The stock was sold at an average price of $74.02, for a total value of $894,605.72. Following the sale, the insider owned 108,271 shares in the company, valued at $8,014,219.42. This represents a 10.04% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Insiders have sold a total of 55,075 shares of company stock valued at $4,036,892 over the last quarter. 0.33% of the stock is currently owned by insiders.

Institutional Inflows and Outflows

Institutional investors and hedge funds have recently made changes to their positions in the company. Westside Investment Management Inc. grew its holdings in Synchrony Financial by 100.0% during the 3rd quarter. Westside Investment Management Inc. now owns 358 shares of the financial services provider’s stock worth $25,000 after acquiring an additional 179 shares during the last quarter. Investors Towarzystwo Funduszy Inwestycyjnych Spolka Akcyjna acquired a new position in shares of Synchrony Financial during the second quarter worth $26,000. FWL Investment Management LLC bought a new stake in shares of Synchrony Financial in the third quarter worth $26,000. Salomon & Ludwin LLC increased its holdings in Synchrony Financial by 54.9% in the third quarter. Salomon & Ludwin LLC now owns 412 shares of the financial services provider’s stock valued at $29,000 after purchasing an additional 146 shares during the period. Finally, Palisade Asset Management LLC acquired a new stake in Synchrony Financial in the third quarter valued at $29,000. Institutional investors and hedge funds own 96.48% of the company’s stock.

Key Synchrony Financial News

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

• Positive Sentiment: Q4 EPS beat and operational positives: SYF reported $2.18 EPS vs. $2.02 consensus, benefiting from margin expansion, lower charge-offs and buybacks — a clear near-term earnings driver. Press Release
• Positive Sentiment: Analyst buy support and high price targets: Several firms kept or raised bullish views (Compass Point upgrade to Buy, BTIG and TD Cowen reaffirmed Buy ratings with ~$95–96 targets), supplying upside narratives for investors. Compass Point Upgrade BTIG Note
• Positive Sentiment: Dividend declared: quarterly common dividend of $0.30/share (annualized yield ~1.6%) supports income-oriented holders. Dividend Announcement
• Neutral Sentiment: FY‑2026 guidance set to $9.10–$9.50 EPS (consensus ~9.34) — guidance is roughly in line but leaves limited surprise upside, so it’s a mixed catalyst. Guidance Slide Deck
• Neutral Sentiment: Analyst price-target adjustments: Several shops trimmed targets (JPMorgan $86→$84, RBC $91→$85, Barclays $101→$93) — these lower PTs temper enthusiasm but many still imply double‑digit upside. Benzinga Notes TickerReport
• Negative Sentiment: Revenue and costs headwinds: Q4 revenue of $3.79B missed street ~$3.84B and Reuters flagged profit hit by a restructuring charge and higher costs — these items pressure near-term margins. Reuters
• Negative Sentiment: Near-term investment/expense pressures and credit-policy risk: Management flagged higher RSA and other investments and analysis pieces warn political risk (card rate caps) and elevated near-term provisions could cap EPS growth in 2026. Seeking Alpha

Synchrony Financial Company Profile

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.