Forecasting The Future: 15 Analyst Projections For Synchrony Financial
Across the recent three months, 15 analysts have shared their insights on Synchrony Financial (NYSE:SYF), expressing a variety of opinions spanning from bullish to bearish.
The table below provides a concise overview of recent ratings by analysts, offering insights into the changing sentiments over the past 30 days and drawing comparisons with the preceding months for a holistic perspective.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 2 | 7 | 6 | 0 | 0 |
| Last 30D | 0 | 1 | 0 | 0 | 0 |
| 1M Ago | 1 | 1 | 3 | 0 | 0 |
| 2M Ago | 1 | 4 | 2 | 0 | 0 |
| 3M Ago | 0 | 1 | 1 | 0 | 0 |
Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $91.4, with a high estimate of $101.00 and a low estimate of $82.00. Observing a 3.2% increase, the current average has risen from the previous average price target of $88.57.
Decoding Analyst Ratings: A Detailed Look
The analysis of recent analyst actions sheds light on the perception of Synchrony Financial by financial experts. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Brennan Crowley | Baird | Maintains | Outperform | $83.00 | $83.00 |
| Brian Foran | Truist Securities | Lowers | Hold | $84.00 | $92.00 |
| Richard Shane | JP Morgan | Lowers | Neutral | $84.00 | $86.00 |
| Jon G. Arfstrom | RBC Capital | Lowers | Sector Perform | $85.00 | $91.00 |
| Terry Ma | Barclays | Lowers | Overweight | $93.00 | $101.00 |
| Vincent Caintic | BTIG | Lowers | Buy | $96.00 | $100.00 |
| Richard Shane | JP Morgan | Raises | Neutral | $86.00 | $75.00 |
| Moshe Orenbuch | TD Cowen | Raises | Buy | $100.00 | $91.00 |
| Terry Ma | Barclays | Raises | Overweight | $101.00 | $86.00 |
| Donald Fandetti | Wells Fargo | Raises | Overweight | $100.00 | $95.00 |
| Sanjay Sakhrani | Keefe, Bruyette & Woods | Raises | Outperform | $98.00 | $95.00 |
| Brian Foran | Truist Securities | Raises | Hold | $92.00 | $78.00 |
| Donald Fandetti | Wells Fargo | Raises | Overweight | $95.00 | $85.00 |
| Darrin Peller | Wolfe Research | Announces | Outperform | $92.00 | - |
| Brennan Crowley | Baird | Maintains | Neutral | $82.00 | $82.00 |
Key Insights:
- 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 Financial. This information offers a snapshot of how analysts perceive the current state of the company.
- Rating: Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Synchrony Financial compared to the broader market.
- Price Targets: Analysts gauge the dynamics of price targets, providing estimates for the future value of Synchrony Financial's stock. This comparison reveals trends in analysts' expectations over time.
To gain a panoramic view of Synchrony Financial's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.
Stay up to date on Synchrony Financial analyst ratings.
About 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).
Synchrony Financial: Delving into Financials
Market Capitalization Analysis: The company's market capitalization surpasses industry averages, showcasing a dominant size relative to peers and suggesting a strong market position.
Negative Revenue Trend: Examining Synchrony Financial's financials over 3M reveals challenges. As of 31 December, 2025, the company experienced a decline of approximately -0.21% in revenue growth, reflecting a decrease in 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 excels beyond industry benchmarks, reaching 19.25%. This signifies efficient cost management and strong financial health.
Return on Equity (ROE): Synchrony Financial's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 4.65%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Synchrony Financial's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.62%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: With a below-average debt-to-equity ratio of 0.98, Synchrony Financial adopts a prudent financial strategy, indicating a balanced approach to debt management.
The Core of Analyst Ratings: What Every Investor Should Know
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 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.
This article was generated by Benzinga's automated content engine and reviewed by an editor.