Synchrony Financial (NYSE:SYF) Stock Price Expected to Rise, JPMorgan Chase & Co. Analyst Says

Key Points

• JPMorgan raised Synchrony Financial’s price target to $77 from $74 while maintaining a neutral rating, implying approximately 4.93% upside from the prior close.
• Synchrony reported quarterly EPS of $2.68, beating the $2.42 consensus estimate, while revenue of $3.82 billion was slightly above expectations. Analysts collectively rate the stock “Moderate Buy,” with a consensus price target of $87.83.
• Shares recently traded at $73.38, with a market capitalization of about $23.88 billion and a low price-to-earnings ratio of 7.51. Institutional investors own approximately 96.48% of the company’s stock.

Synchrony Financial (NYSE:SYF - Get Free Report) had its target price lifted by equities researchers at JPMorgan Chase & Co. from $74.00 to $77.00 in a note issued to investors on Wednesday, Benzinga reports. The firm presently has a "neutral" rating on the financial services provider's stock. JPMorgan Chase & Co.'s target price would indicate a potential upside of 4.93% from the company's previous close.

Other equities research analysts have also recently issued reports about the company. Jefferies Financial Group reissued a "buy" rating and set a $103.00 price target on shares of Synchrony Financial in a report on Tuesday. BMO Capital Markets started coverage on Synchrony Financial in a research note on Friday, October 9th. They issued a "market perform" rating and a $81.00 price objective for the company. UBS Group cut their target price on Synchrony Financial from $87.00 to $81.00 and set a "neutral" rating for the company in a research report on Monday, October 5th. Evercore cut Synchrony Financial from an "outperform" rating to an "in-line" rating and set a $78.00 target price for the company. in a research report on Wednesday. Finally, Wolfe Research lifted their target price on Synchrony Financial from $85.00 to $90.00 and gave the company an "outperform" rating in a research note on Tuesday, August 25th. Ten equities research analysts have rated the stock with a Buy rating and nine have issued a Hold rating to the company's stock. According to MarketBeat.com, the stock currently has an average rating of "Moderate Buy" and a consensus price target of $87.83.

Synchrony Financial Price Performance

Shares of NYSE SYF traded up $0.02 during midday trading on Wednesday, reaching $73.38. The stock had a trading volume of 640,704 shares, compared to its average volume of 3,894,483. The company 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 has a 12-month low of $63.08 and a 12-month high of $88.77. The stock has a 50-day moving average of $75.78 and a 200-day moving average of $74.63. The company has a debt-to-equity ratio of 1.08, a quick ratio of 1.22 and a current ratio of 1.22.

Synchrony Financial (NYSE:SYF - Get Free Report) last released its earnings results on Tuesday, October 20th. The financial services provider reported $2.68 earnings per share for the quarter, beating analysts' consensus estimates of $2.42 by $0.26. The company had revenue of $3.82 billion for the quarter, compared to analysts' expectations of $3.81 billion. Synchrony Financial had a net margin of 15.44% and a return on equity of 23.09%. During the same quarter in the previous year, the company earned $2.86 EPS. As a group, research analysts anticipate that Synchrony Financial will post 9.40 EPS for the current fiscal year.

Institutional Trading of Synchrony Financial

A number of large investors have recently added to or reduced their stakes in SYF. Bank of America Corp DE bought a new position in Synchrony Financial in the second quarter worth about $1,122,961,000. Raiffeisen Bank International AG lifted its position in shares of Synchrony Financial by 7,984.0% during the second quarter. Raiffeisen Bank International AG now owns 23,282 shares of the financial services provider's stock valued at $1,825,000 after buying an additional 22,994 shares during the last quarter. VIRGINIA RETIREMENT SYSTEMS ET Al bought a new stake in shares of Synchrony Financial in the 2nd quarter valued at about $22,798,000. Basswood Capital Management L.L.C. bought a new stake in shares of Synchrony Financial in the 2nd quarter valued at about $45,734,000. Finally, Assenagon Asset Management S.A. grew its position 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 worth $37,131,000 after buying an additional 494,354 shares during the last quarter. Institutional investors own 96.48% of the company's stock.

Synchrony Financial News Summary

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.

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