Synchrony Financial (NYSE:SYF) Stock Has Average Target Price of $87.25 According to Analysts

Synchrony Financial (NYSE:SYF) has been given a consensus rating of “Moderate Buy” by the nineteen analysts that are covering the company, MarketBeat Ratings reports. Nine investment analysts have rated the stock with a hold recommendation and ten have assigned a buy recommendation to the company. The average 12-month price objective among brokers that have covered the stock in the last year is $87.83.

SYF has been the topic of a number of analyst reports. Morgan Stanley dropped their price objective on shares of Synchrony Financial from $84.00 to $83.00 and set an “equal weight” rating on the stock in a research note on Monday, October 12th. Jefferies Financial Group reaffirmed a “buy” rating and issued a $103.00 price target on shares of Synchrony Financial in a report on Tuesday. Wolfe Research upped their price objective on Synchrony Financial from $85.00 to $90.00 and gave the company an “outperform” rating in a research note on Tuesday, August 25th. HSBC upped their price target on Synchrony Financial from $93.00 to $97.00 and gave the company a “buy” rating in a research report on Monday, July 13th. Finally, TD Cowen lowered their price objective on shares of Synchrony Financial from $90.00 to $86.00 and set a “buy” rating for the company in a research report on Tuesday, October 6th.

Key Synchrony Financial News

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

• Positive Sentiment: Synchrony raised or reaffirmed FY 2026 EPS guidance at $9.50, slightly above the $9.44 consensus estimate. The guidance suggests earnings are holding up better than expected. Synchrony Financial earnings guidance
• Positive Sentiment: Zacks upgraded SYF to Rank #2, or “Buy,” citing improving earnings prospects. Zacks also highlighted Synchrony as a potential long-term value stock, which could attract investors given its low valuation and strong profitability. Zacks upgrades Synchrony to Buy Synchrony long-term value analysis
• Positive Sentiment: Barclays reportedly maintained a constructive view and expects additional upside for the stock, providing a counterpoint to the more cautious analyst calls. Barclays view on Synchrony
• Neutral Sentiment: Analyst opinion remains divided: BMO maintained a Hold rating, while other coverage cited mixed views across financial companies. This lack of consensus may limit near-term buying interest. BMO maintains Hold rating
• Neutral Sentiment: Synchrony reported 311.4 million shares outstanding in its third-quarter 2026 filing. The disclosure is routine and does not signal a major change in capital allocation. Synchrony shares outstanding filing
• Negative Sentiment: Evercore downgraded Synchrony to “In Line,” citing higher rates and macroeconomic volatility. Those factors could pressure borrowing costs, consumer credit quality and loan demand. Evercore downgrades Synchrony
• Negative Sentiment: Evercore’s rating reduction adds near-term selling pressure despite Synchrony’s recent earnings outperformance and attractive valuation. Evercore rating reduction

Synchrony Financial Stock Down 1.9%

SYF stock opened at $73.66 on Tuesday. Synchrony Financial has a 52 week low of $63.08 and a 52 week high of $88.77. The company has a current ratio of 1.23, a quick ratio of 1.22 and a debt-to-equity ratio of 1.15. The company has a market cap of $23.97 billion, a P/E ratio of 7.69, a P/E/G ratio of 0.84 and a beta of 1.35. The company’s 50-day moving average price is $75.43 and its 200 day moving average price is $74.71.

Synchrony Financial (NYSE:SYF) last posted its earnings results on Tuesday, October 20th. The financial services provider reported $2.68 earnings per share for the quarter, beating the consensus estimate of $2.42 by $0.26. The firm had revenue of $3.82 billion during the quarter, compared to the consensus estimate of $3.81 billion. Synchrony Financial had a net margin of 14.59% and a return on equity of 22.26%. During the same period last year, the firm posted $2.86 EPS. On average, research analysts expect that Synchrony Financial will post 9.62 earnings per share for the current fiscal year.

Synchrony Financial Announces Dividend

The company also recently announced a quarterly dividend, which will be paid on Monday, November 16th. Shareholders of record on Thursday, November 5th will be given a $0.34 dividend. The ex-dividend date is Thursday, November 5th. This represents a $1.36 annualized dividend and a yield of 1.8%. Synchrony Financial’s dividend payout ratio is 14.20%.

Hedge Funds Weigh In On Synchrony Financial

Institutional investors and hedge funds have recently added to or reduced their stakes in the business. World Investment Advisors raised its position in shares of Synchrony Financial by 0.6% during the 1st quarter. World Investment Advisors now owns 22,874 shares of the financial services provider’s stock worth $1,556,000 after buying an additional 134 shares in the last quarter. WealthTrust Asset Management LLC lifted its holdings in Synchrony Financial by 0.9% in the 1st quarter. WealthTrust Asset Management LLC now owns 17,452 shares of the financial services provider’s stock valued at $1,187,000 after acquiring an additional 156 shares during the last quarter. Parkside Financial Bank & Trust boosted its position in shares of Synchrony Financial by 13.7% during the 2nd quarter. Parkside Financial Bank & Trust now owns 1,526 shares of the financial services provider’s stock valued at $116,000 after purchasing an additional 184 shares in the last quarter. Riversedge Advisors LLC grew its stake in shares of Synchrony Financial by 3.8% in the 3rd quarter. Riversedge Advisors LLC now owns 5,022 shares of the financial services provider’s stock worth $356,000 after purchasing an additional 184 shares during the last quarter. Finally, CoreFirst Bank & Trust lifted its stake in Synchrony Financial by 57.8% during the first quarter. CoreFirst Bank & Trust now owns 505 shares of the financial services provider’s stock valued at $34,000 after purchasing an additional 185 shares during the last quarter. 96.48% of the stock is owned by institutional investors.

About Synchrony Financial

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.