KTF Investments LLC Takes Position in Synchrony Financial $SYF

Key Points

• KTF Investments LLC bought a new stake of 47,018 shares in Synchrony Financial (NYSE:SYF) in Q4, valued at about $3.92 million, amid broad institutional buying that leaves institutions owning roughly 96.48% of the stock.
• Insiders have been net sellers: 379,928 shares were sold in the past three months (about $26.17 million), including notable sales by Alberto Casellas and Curtis Howse, leaving insider ownership at just 0.33%.
• Synchrony reported EPS of $2.27, beating estimates while revenue fell 7.4% year‑over‑year to $3.70 billion; the company set FY2026 EPS guidance of 9.10–9.50 and declared a $0.30 quarterly dividend (1.6% yield).

KTF Investments LLC bought a new stake in Synchrony Financial (NYSE:SYF - Free Report) in the fourth quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The fund bought 47,018 shares of the financial services provider's stock, valued at approximately $3,923,000.

A number of other institutional investors also recently modified their holdings of the business. Bank of America Corp DE lifted its position in Synchrony Financial by 34.6% during the second quarter. Bank of America Corp DE now owns 13,595,381 shares of the financial services provider's stock worth $907,356,000 after purchasing an additional 3,494,741 shares during the period. Assetmark Inc. lifted its position in Synchrony Financial by 48.3% during the third quarter. Assetmark Inc. now owns 4,349,059 shares of the financial services provider's stock worth $309,001,000 after purchasing an additional 1,416,909 shares during the period. Worldquant Millennium Advisors LLC lifted its position in Synchrony Financial by 222.5% during the second quarter. Worldquant Millennium Advisors LLC now owns 937,296 shares of the financial services provider's stock worth $62,555,000 after purchasing an additional 646,642 shares during the period. Nordea Investment Management AB lifted its position in Synchrony Financial by 13.0% during the fourth quarter. Nordea Investment Management AB now owns 5,134,903 shares of the financial services provider's stock worth $431,999,000 after purchasing an additional 592,567 shares during the period. Finally, Danske Bank A S bought a new stake in Synchrony Financial during the third quarter worth about $34,362,000. Institutional investors own 96.48% of the company's stock.

Insider Transactions at Synchrony Financial

In other news, insider Alberto Casellas sold 14,399 shares of the stock in a transaction dated Monday, March 2nd. The shares were sold at an average price of $67.71, for a total value of $974,956.29. Following the completion of the transaction, the insider owned 50,331 shares of the company's stock, valued at approximately $3,407,912.01. This represents a 22.24% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through the SEC website. Also, insider Curtis Howse sold 52,556 shares of the stock in a transaction dated Monday, February 2nd. The stock was sold at an average price of $72.32, for a total transaction of $3,800,849.92. Following the completion of the transaction, the insider directly owned 94,196 shares of the company's stock, valued at $6,812,254.72. This trade represents a 35.81% decrease in their position. The SEC filing for this sale provides additional information. In the last three months, insiders have sold 379,928 shares of company stock valued at $26,170,764. 0.33% of the stock is owned by company insiders.

Synchrony Financial Stock Up 1.1%

SYF stock opened at $77.15 on Tuesday. The stock has a market capitalization of $26.00 billion, a P/E ratio of 7.98, a price-to-earnings-growth ratio of 0.66 and a beta of 1.39. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 1.08. Synchrony Financial has a 12 month low of $50.00 and a 12 month high of $88.77. The firm has a 50-day moving average price of $70.22 and a 200-day moving average price of $74.85.

Synchrony Financial (NYSE:SYF - Get Free Report) last posted its earnings results on Tuesday, April 21st. The financial services provider reported $2.27 EPS for the quarter, topping analysts' consensus estimates of $2.14 by $0.13. The firm had revenue of $3.70 billion during the quarter, compared to analysts' expectations of $3.81 billion. Synchrony Financial had a net margin of 15.80% and a return on equity of 23.41%. The business's revenue for the quarter was down 7.4% compared to the same quarter last year. During the same quarter in the prior year, the business earned $1.89 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. As a group, equities research analysts anticipate that Synchrony Financial will post 9.3 EPS for the current fiscal year.

Synchrony Financial declared that its board has initiated a stock buyback plan on Tuesday, April 21st that permits the company to repurchase $0.00 in shares. This repurchase authorization permits the financial services provider to buy shares of its stock through open market purchases. Shares repurchase plans are typically a sign that the company's board of directors believes its stock is undervalued.

Synchrony Financial Announces Dividend

The business also recently announced a quarterly dividend, which will be paid on Friday, May 15th. Stockholders of record on Tuesday, May 5th will be issued a $0.30 dividend. The ex-dividend date of this dividend is Tuesday, May 5th. This represents a $1.20 dividend on an annualized basis and a dividend yield of 1.6%. Synchrony Financial's dividend payout ratio is 12.41%.

Analysts Set New Price Targets

Several equities research analysts recently weighed in on the stock. Compass Point raised shares of Synchrony Financial from a "neutral" rating to a "buy" rating and set a $96.00 price objective for the company in a research report on Wednesday, January 28th. Keefe, Bruyette & Woods upped their price objective on shares of Synchrony Financial from $95.00 to $98.00 and gave the stock an "outperform" rating in a research report on Friday, January 2nd. Truist Financial upped their price objective on shares of Synchrony Financial from $71.00 to $82.00 and gave the stock a "hold" rating in a research report on Thursday, April 23rd. Royal Bank Of Canada cut their price objective on shares of Synchrony Financial from $91.00 to $85.00 and set a "sector perform" rating for the company in a research report on Wednesday, January 28th. Finally, Wells Fargo & Company cut their price objective on shares of Synchrony Financial from $100.00 to $95.00 and set an "overweight" rating for the company in a research report on Thursday, April 9th. One analyst has rated the stock with a Strong Buy rating, twelve have issued a Buy rating and seven have given a Hold rating to the company's stock. According to MarketBeat.com, the stock currently has an average rating of "Moderate Buy" and an average target price of $86.32.

Synchrony Financial 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.

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