Wells Fargo & Company Issues Pessimistic Forecast for Synchrony Financial (NYSE:SYF) Stock Price

Synchrony Financial (NYSE:SYF) had its price target decreased by stock analysts at Wells Fargo & Company from $95.00 to $88.00 in a note issued to investors on Wednesday,Benzinga reports. The firm presently has an “overweight” rating on the financial services provider’s stock. Wells Fargo & Company‘s price target points to a potential upside of 21.12% from the company’s current price.

SYF has been the subject of a number of other research reports. Weiss Ratings reissued a “buy (b-)” rating on shares of Synchrony Financial in a research report on Friday. Loop Capital initiated coverage on Synchrony Financial in a research report on Friday, May 22nd. They issued a “hold” rating and a $81.00 price target for the company. UBS Group boosted their price objective on Synchrony Financial from $77.00 to $84.00 and gave the company a “neutral” rating in a research note on Tuesday, July 7th. Barclays raised their price target on Synchrony Financial from $82.00 to $93.00 and gave the company an “overweight” rating in a report on Wednesday, April 22nd. Finally, Truist Financial lifted their price objective on shares of Synchrony Financial from $71.00 to $82.00 and gave the company a “hold” rating in a research report on Thursday, April 23rd. Twelve investment analysts have rated the stock with a Buy rating and eight have assigned a Hold rating to the company’s stock. According to data from MarketBeat, the stock has a consensus rating of “Moderate Buy” and an average target price of $86.89.

Synchrony Financial Stock Up 0.6%

Shares of NYSE:SYF traded up $0.44 during trading on Wednesday, reaching $72.65. 2,639,582 shares of the stock traded hands, compared to its average volume of 4,224,112. The stock has a market cap of $24.44 billion, a P/E ratio of 7.50, a price-to-earnings-growth ratio of 0.69 and a beta of 1.32. Synchrony Financial has a 52-week low of $63.08 and a 52-week high of $88.77. The company has a debt-to-equity ratio of 1.08, a quick ratio of 1.24 and a current ratio of 1.24. The stock has a 50-day moving average of $73.20 and a two-hundred day moving average of $73.22.

Synchrony Financial (NYSE:SYF) last posted its earnings results on Tuesday, July 21st. The financial services provider reported $2.59 EPS for the quarter, topping analysts’ consensus estimates of $2.14 by $0.45. Synchrony Financial had a return on equity of 23.41% and a net margin of 15.80%.The business had revenue of $3.72 billion during the quarter, compared to analyst estimates of $3.73 billion. During the same quarter last year, the company earned $2.50 EPS. Synchrony Financial has set its FY 2026 guidance at 9.250-9.500 EPS. As a group, sell-side analysts expect that Synchrony Financial will post 9.34 earnings per share for the current fiscal year.

Synchrony Financial declared that its Board of Directors has initiated a share repurchase program on Tuesday, April 21st that allows the company to buyback $0.00 in outstanding shares. This buyback authorization allows the financial services provider to repurchase shares of its stock through open market purchases. Shares buyback programs are typically an indication that the company’s management believes its stock is undervalued.

Insider Buying and Selling at Synchrony Financial

In related news, insider Jonathan S. Mothner sold 51,258 shares of the business’s stock in a transaction on Friday, May 15th. The stock was sold at an average price of $71.23, for a total transaction of $3,651,107.34. Following the transaction, the insider directly owned 132,664 shares in the company, valued at $9,449,656.72. The trade was a 27.87% decrease in their position. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 0.36% of the stock is owned by insiders.

Institutional Investors Weigh In On Synchrony Financial

Large investors have recently modified their holdings of the business. Ritholtz Wealth Management lifted its stake in Synchrony Financial by 21.9% during the fourth quarter. Ritholtz Wealth Management now owns 94,121 shares of the financial services provider’s stock worth $7,852,000 after purchasing an additional 16,901 shares in the last quarter. KTF Investments LLC purchased a new position in shares of Synchrony Financial in the 4th quarter valued at about $3,923,000. Assenagon Asset Management S.A. increased its stake in shares of Synchrony Financial by 959.4% during the first 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 period. Global X Japan Co. Ltd. raised its holdings in Synchrony Financial by 365.8% in the fourth quarter. Global X Japan Co. Ltd. now owns 26,488 shares of the financial services provider’s stock valued at $2,210,000 after acquiring an additional 20,801 shares in the last quarter. Finally, Jefferies Financial Group Inc. increased its position in shares of Synchrony Financial by 701.9% in the 4th quarter. Jefferies Financial Group Inc. now owns 120,996 shares of the financial services provider’s stock valued at $10,095,000 after purchasing an additional 105,907 shares during the last quarter. Hedge funds and other 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: Synchrony beat second-quarter EPS estimates with $2.59 per share versus expectations around $2.14-$2.08, helped by record purchase volume, stronger loan growth, and solid credit performance. The company also lifted its 2026 EPS outlook, signaling confidence in the back half of the year. Synchrony Reports Second Quarter 2026 Results
• Positive Sentiment: Management and related coverage pointed to consumers continuing to spend despite inflation pressure, which supports Synchrony’s credit-card and private-label lending business. Synchrony CFO Sees Consumers Spending Through Inflation Pressure
• Positive Sentiment: Several analysts turned constructive after the report, including Robert W. Baird raising its target to $90 and Bank of America reiterating Buy with an $89 target, reinforcing the view that the stock may still have upside. Synchrony Financial analyst update
• Neutral Sentiment: The company also announced a higher quarterly dividend of $0.34 per share, a sign of capital strength, but likely not a major short-term driver for the stock. Synchrony Reports Second Quarter 2026 Results
• Neutral Sentiment: Royal Bank of Canada trimmed its price target to $80 and kept a Sector Perform rating, suggesting a more cautious view even though it still implies upside from current levels. Benzinga analyst report
• Negative Sentiment: Revenue came in just below estimates at $3.72 billion versus $3.73 billion expected, and some coverage highlighted that the weaker top-line print may limit the stock’s immediate enthusiasm. Synchrony Financial misses Q2 CY2026 revenue estimates

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.