Synchrony Financial's (SYF) "Buy" Rating Reiterated at BTIG Research

Key Points

• BTIG reiterated a "Buy" on Synchrony Financial with a $96 price target, implying roughly a 47.8% upside from the prior close.
• Analyst consensus is a "Moderate Buy" with a consensus target of $87.11 and multiple firms issuing Buy/Outperform ratings while a few (e.g., JPMorgan) remain neutral.
• Synchrony beat quarterly EPS estimates ($2.18 vs. $2.02) and set FY2026 guidance of 9.10–9.50 EPS, yet the stock trades near $64.94 (P/E ~6.97) amid notable insider selling (~379,928 shares worth $26.17M in 90 days).

Synchrony Financial (NYSE:SYF - Get Free Report)'s stock had its "buy" rating reaffirmed by equities research analysts at BTIG Research in a report issued on Wednesday,Benzinga reports. They currently have a $96.00 price objective on the financial services provider's stock. BTIG Research's target price would suggest a potential upside of 47.83% from the stock's previous close.

Several other brokerages have also recently weighed in on SYF. Wolfe Research started coverage on Synchrony Financial in a research report on Monday, December 8th. They issued an "outperform" rating and a $92.00 price target for the company. Weiss Ratings restated a "buy (b-)" rating on shares of Synchrony Financial in a research note on Wednesday, January 21st. TD Cowen upped their price target on Synchrony Financial from $91.00 to $100.00 and gave the company a "buy" rating in a research report on Thursday, January 8th. JPMorgan Chase & Co. lowered their price target on shares of Synchrony Financial from $86.00 to $84.00 and set a "neutral" rating on the stock in a report on Wednesday, January 28th. Finally, Robert W. Baird raised shares of Synchrony Financial from a "neutral" rating to an "outperform" rating and set a $83.00 price objective for the company in a research note on Friday, February 13th. One equities research analyst has rated the stock with a Strong Buy rating, thirteen have issued a Buy rating and seven have given a Hold rating to the company. According to MarketBeat.com, Synchrony Financial currently has an average rating of "Moderate Buy" and a consensus target price of $87.11.

Synchrony Financial Stock Performance

Shares of SYF stock traded down $0.52 during trading on Wednesday, reaching $64.94. 1,970,133 shares of the company's stock traded hands, compared to its average volume of 4,929,650. The firm's 50-day moving average is $75.33 and its 200 day moving average is $75.82. The company has a market capitalization of $22.57 billion, a P/E ratio of 6.97, a PEG ratio of 0.59 and a beta of 1.42. Synchrony Financial has a 1 year low of $40.54 and a 1 year high of $88.77. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 0.98.

Synchrony Financial (NYSE:SYF - Get Free Report) last released its quarterly earnings data on Tuesday, January 27th. The financial services provider reported $2.18 earnings per share for the quarter, beating analysts' consensus estimates of $2.02 by $0.16. Synchrony Financial had a net margin of 15.72% and a return on equity of 23.07%. The business had revenue of $3.79 billion during the quarter, compared to analyst estimates of $3.84 billion. During the same period in the previous year, the business earned $1.91 EPS. Synchrony Financial's revenue was down .2% compared to the same quarter last year. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. Equities research analysts expect that Synchrony Financial will post 7.67 EPS for the current year.

Insider Activity at Synchrony Financial

In other Synchrony Financial news, insider Brian D. Doubles sold 217,554 shares of the business's stock in a transaction that occurred on Monday, March 2nd. The shares were sold at an average price of $68.68, for a total value of $14,941,608.72. Following the completion of the transaction, the insider owned 829,222 shares of the company's stock, valued at $56,950,966.96. The trade was a 20.78% decrease in their position. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available at this hyperlink. Also, insider Bart Schaller sold 12,980 shares of the stock in a transaction on Monday, March 2nd. The stock was sold at an average price of $67.71, for a total transaction of $878,875.80. Following the completion of the transaction, the insider directly owned 34,035 shares in the company, valued at $2,304,509.85. The trade was a 27.61% decrease in their position. The disclosure for this sale is available in the SEC filing. Insiders have sold 379,928 shares of company stock valued at $26,170,764 in the last ninety days. Insiders own 0.32% of the company's stock.

Institutional Investors Weigh In On Synchrony Financial

Hedge funds have recently added to or reduced their stakes in the company. Westside Investment Management Inc. raised its holdings in shares of Synchrony Financial by 100.0% during the 3rd quarter. Westside Investment Management Inc. now owns 358 shares of the financial services provider's stock valued at $25,000 after buying an additional 179 shares in the last quarter. Investors Towarzystwo Funduszy Inwestycyjnych Spolka Akcyjna purchased a new position in Synchrony Financial in the 2nd quarter worth $26,000. FWL Investment Management LLC purchased a new position in Synchrony Financial in the 3rd quarter worth $26,000. Salomon & Ludwin LLC grew its stake in shares of Synchrony Financial by 54.9% during the third quarter. Salomon & Ludwin LLC now owns 412 shares of the financial services provider's stock valued at $29,000 after buying an additional 146 shares during the last quarter. Finally, Fideuram Asset Management Ireland dac purchased a new position in shares of Synchrony Financial in the fourth quarter worth about $29,000. Institutional investors own 96.48% of the company's stock.

Synchrony Financial Company 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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