Synchrony Financial (NYSE:SYF) Given New $77.00 Price Target at JPMorgan Chase & Co.

Synchrony Financial (NYSE:SYF) had its price target lifted by analysts at JPMorgan Chase & Co. from $74.00 to $77.00 in a research note issued on Wednesday, Benzinga reports. The brokerage presently has a “neutral” rating on the financial services provider’s stock. JPMorgan Chase & Co.’s price target would suggest a potential upside of 4.93% from the company’s current price.

Several other analysts also recently weighed in on SYF. Barclays boosted their target price on shares of Synchrony Financial from $93.00 to $94.00 and gave the stock an “overweight” rating in a research report on Wednesday. BMO Capital Markets initiated coverage on shares of Synchrony Financial in a research note on Friday, October 9th. They set a “market perform” rating and a $81.00 price objective for the company. Evercore downgraded shares of Synchrony Financial from an “outperform” rating to an “in-line” rating and set a $78.00 price objective for the company. in a research note on Wednesday. TD Cowen dropped their price objective on shares of Synchrony Financial from $90.00 to $86.00 and set a “buy” rating on the stock in a report on Tuesday, October 6th. Finally, HSBC upped their target price on Synchrony Financial from $93.00 to $97.00 and gave the company a “buy” rating in a research report on Monday, July 13th. Ten research analysts have rated the stock with a Buy rating and nine have assigned a Hold rating to the company. Based on data from MarketBeat, the stock presently has a consensus rating of “Moderate Buy” and an average price target of $87.83.

Synchrony Financial Stock Up 0.0%

Shares of SYF traded up $0.02 during midday trading on Wednesday, hitting $73.38. 640,704 shares of the company’s stock traded hands, compared to its average volume of 3,894,483. Synchrony Financial has a 1 year low of $63.08 and a 1 year high of $88.77. The firm’s fifty day moving average is $75.78 and its 200-day moving average is $74.63. The company has a current ratio of 1.22, a quick ratio of 1.22 and a debt-to-equity ratio of 1.08. The stock has a market capitalization of $23.88 billion, a price-to-earnings ratio of 7.51, a price-to-earnings-growth ratio of 0.86 and a beta of 1.35.

Synchrony Financial (NYSE:SYF) last posted its quarterly earnings data on Tuesday, October 20th. The financial services provider reported $2.68 earnings per share for the quarter, topping analysts’ consensus estimates of $2.42 by $0.26. Synchrony Financial had a return on equity of 23.09% and a net margin of 15.44%. The firm had revenue of $3.82 billion during the quarter, compared to analysts’ expectations of $3.81 billion. During the same quarter last year, the firm earned $2.86 EPS. As a group, sell-side analysts anticipate that Synchrony Financial will post 9.40 earnings per share for the current year.

Institutional Trading of Synchrony Financial

A number of hedge funds and other institutional investors have recently made changes to their positions in the business. Bank of America Corp DE purchased a new stake in Synchrony Financial in the second quarter valued at $1,122,961,000. Raiffeisen Bank International AG grew its position in Synchrony Financial by 7,984.0% during the 2nd quarter. Raiffeisen Bank International AG now owns 23,282 shares of the financial services provider’s stock worth $1,825,000 after purchasing an additional 22,994 shares during the period. VIRGINIA RETIREMENT SYSTEMS ET Al purchased a new position in shares of Synchrony Financial during the 2nd quarter valued at about $22,798,000. Basswood Capital Management L.L.C. purchased a new position in shares of Synchrony Financial during the 2nd quarter valued at about $45,734,000. Finally, Assenagon Asset Management S.A. lifted its holdings in shares of Synchrony Financial by 959.4% in the 1st quarter. Assenagon Asset Management S.A. now owns 545,880 shares of the financial services provider’s stock valued at $37,131,000 after buying an additional 494,354 shares during the period. Institutional investors and hedge funds own 96.48% of the company’s stock.

Key Stories Impacting Synchrony Financial

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

• Positive Sentiment: Earnings beat expectations: Synchrony reported third-quarter EPS of $2.68, above the $2.42 consensus, while revenue of $3.82 billion was slightly ahead of estimates. Management also guided full-year diluted EPS toward approximately $9.50. Synchrony Reports Third Quarter 2026 Results
• Positive Sentiment: Credit performance improved: Net charge-offs declined to about 4.79%, while early-stage and 90-day delinquencies stabilized or fell. The data eases concerns about a broad deterioration in consumer credit and supports confidence in Synchrony’s underwriting. Synchrony Financial Stock Information
• Positive Sentiment: Healthy consumer activity and capital returns: Purchase volume rose 8% year over year to roughly $49.7 billion. Synchrony also repurchased approximately $1.1 billion of stock and declared a quarterly dividend of $0.34 per share, supporting EPS and shareholder returns.
• Positive Sentiment: Analyst support and digital initiatives: Barclays raised its price target to $94 and maintained an overweight rating. Separately, the company’s CareCredit Pay Later launch and investments in digital checkout and AI-commerce integrations could expand financing options and strengthen partner relationships.
• Neutral Sentiment: Mixed Wall Street reaction: Evercore downgraded SYF from outperform to in-line, despite assigning a $78 price target. The split view reflects a favorable valuation and resilient credit metrics balanced against concerns about earnings growth and consumer-finance risks.
• Negative Sentiment: Profit declined year over year: Net income fell to $892 million, or $2.68 per share, from $1.1 billion, or $2.86 per share, as expenses increased. Net interest margin also compressed, partly because healthier payment behavior reduced late-fee revenue.
• Negative Sentiment: Loan-growth headwind: An elevated payment rate indicates customers are paying balances down faster, which may limit the conversion of strong purchase volume into interest-earning receivables in the near term.

Synchrony Financial Company Profile

Synchrony Financial (NYSE: SYF) is a consumer financial services company that provides private-label credit cards, co-branded credit cards and promotional financing programs. Its financing products are offered through retailers, manufacturers, healthcare providers and other businesses, helping consumers pay for purchases over time.

The company serves a range of industries, including digital commerce, home improvement, furniture, automotive, healthcare, jewelry, apparel, electronics and specialty retail.