SYF icon

Synchrony

51.42 USD
-0.50
0.96%
At close Apr 25, 4:00 PM EDT
After hours
51.68
+0.26
0.51%
1 day
-0.96%
5 days
7.46%
1 month
-7.93%
3 months
-26.40%
6 months
-6.76%
Year to date
-21.20%
1 year
15.14%
5 years
191.83%
10 years
67.93%
 

About: Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).

Employees: 20,000

0
Funds holding %
of 7,419 funds
0
Analysts bullish %
of 9 analysts

Fund manager confidence

Based on 2024 Q4 regulatory disclosures by fund managers ($100M+ AUM)

215% more first-time investments, than exits

New positions opened: 186 | Existing positions closed: 59

86% more funds holding in top 10

Funds holding in top 10: 7 [Q3] → 13 (+6) [Q4]

74% more call options, than puts

Call options by funds: $684M | Put options by funds: $394M

31% more capital invested

Capital invested by funds: $18.8B [Q3] → $24.5B (+$5.77B) [Q4]

14% more funds holding

Funds holding: 768 [Q3] → 879 (+111) [Q4]

1.8% more ownership

Funds ownership: 95.12% [Q3] → 96.91% (+1.8%) [Q4]

1% less repeat investments, than reductions

Existing positions increased: 294 | Existing positions reduced: 298

Research analyst outlook

9 Wall Street Analysts provided 1 year price targets over the past 3 months

Low target
$44
14%
downside
Avg. target
$63
23%
upside
High target
$85
65%
upside

9 analyst ratings

positive
56%
neutral
44%
negative
0%
Truist Securities
Brian Foran
38% 1-year accuracy
8 / 21 met price target
11%upside
$57
Hold
Maintained
25 Apr 2025
Wells Fargo
Donald Fandetti
44% 1-year accuracy
14 / 32 met price target
26%upside
$65
Overweight
Maintained
23 Apr 2025
Evercore ISI Group
John Pancari
43% 1-year accuracy
13 / 30 met price target
9%upside
$56
Outperform
Maintained
23 Apr 2025
JP Morgan
Richard Shane
44% 1-year accuracy
28 / 64 met price target
3%downside
$50
Overweight
Maintained
8 Apr 2025
Morgan Stanley
14%downside
$44
Equal-Weight
Downgraded
7 Apr 2025

Financial journalist opinion

Based on 30 articles about SYF published over the past 30 days

Positive
Zacks Investment Research
1 day ago
Here's Why Synchrony (SYF) is a Strong Value Stock
The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
Here's Why Synchrony (SYF) is a Strong Value Stock
Positive
Zacks Investment Research
2 days ago
5 Stocks That Recently Hiked Their Dividend to Reward Investors
Investors may keep a tab on stocks like SYF, PEBO, CIB, TRV and FMX, which have lately hiked their dividend payments.
5 Stocks That Recently Hiked Their Dividend to Reward Investors
Neutral
PRNewsWire
2 days ago
Synchrony's CareCredit Offered at 100% of Public Veterinary University Hospitals Nationwide, Expanding Access to Pet Care
With Addition of Texas A&M, All 29 Public Veterinary University Hospitals in the U.S. Now Accept CareCredit STAMFORD, Conn. , April 24, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced that its CareCredit health and wellness credit card has been named the preferred financing partner for the Texas A&M University Veterinary Medical Teaching Hospital.
Synchrony's CareCredit Offered at 100% of Public Veterinary University Hospitals Nationwide, Expanding Access to Pet Care
Positive
Market Watch
3 days ago
Why Capital One and other banks took ‘rainy day' money off their balance sheets
Capital One Financial Corp.'s customers continued to spend last quarter, and the company ended up releasing money it had set aside for losses on loans.
Why Capital One and other banks took ‘rainy day' money off their balance sheets
Positive
Seeking Alpha
3 days ago
Synchrony Financial: Mr. Market Puts It On Sale Again
Synchrony Financial shares are undervalued due to market overreaction to consumer spending fears, despite stable loan balances and non-recessionary credit metrics. The bank's strong capital ratios and reduced exposure to risky customers position it well for potential economic downturns. Synchrony's improved capital return policy includes a 20% dividend increase and a $2.5 billion buyback authorization, enhancing shareholder value.
Synchrony Financial: Mr. Market Puts It On Sale Again
Neutral
PRNewsWire
3 days ago
Synchrony and Belle Tire Partner on New Credit Card Program to Help Make Car Care More Affordable
Belle Tire Taps Synchrony to Provide Flexible Payment Options for Customers Purchasing Tires and Auto Services STAMFORD, Conn. and SOUTHFIELD, Mich.
Synchrony and Belle Tire Partner on New Credit Card Program to Help Make Car Care More Affordable
Neutral
Seeking Alpha
3 days ago
Synchrony Financial: On The Precipice Of Potential Consumer Debt Collapse
Synchrony Financial's Q1 EPS beat expectations despite lower sales, but macroeconomic factors and tariffs are leading to a bearish outlook on consumer demand. The company's high net interest margins stem from lending to riskier segments, characterized by a stable but high delinquency rate and significant exposure to economic downturns. A potential recession, rising unemployment, and increased tariffs could lead to higher defaults, jeopardizing Synchrony's financial stability.
Synchrony Financial: On The Precipice Of Potential Consumer Debt Collapse
Positive
Zacks Investment Research
4 days ago
Synchrony Beats Q1 Earnings Estimates, Unveils 20% Dividend Hike
SYF's Q1 results benefit from growth in interest and fees on loans across Home & Auto and Lifestyle platforms, partly offset by rising expenses. It currently forecasts 2025 net charge-offs to be between 5.8% and 6%.
Synchrony Beats Q1 Earnings Estimates, Unveils 20% Dividend Hike
Positive
PYMNTS
4 days ago
Synchrony CEO: Credit Metrics Strong as Consumers ‘Are Being Disciplined'
Synchrony Financial's first-quarter results indicated that consumers are pulling back on spending, particularly for larger ticket items, and have taken steps to pare down their credit card debt. The net result is that consumers are proving to be responsible stewards of their credit even amid an uncertain macro-economic environment.
Synchrony CEO: Credit Metrics Strong as Consumers ‘Are Being Disciplined'
Neutral
Seeking Alpha
4 days ago
Synchrony Financial: Solid Q1 But Doubts Remain (Upgrade)
Synchrony Financial's stock has fallen over 30% from its highs, with Q1 earnings showing mixed signals amid economic concerns and credit quality issues. Despite beating earnings estimates, lower credit costs drive skepticism about the sustainability of earnings if the economy weakens, with the potential for increased credit losses. SYF's strong deposit base and capital returns are positives, but economic uncertainty and potential recession risks limit the upside, making it a "hold".
Synchrony Financial: Solid Q1 But Doubts Remain (Upgrade)
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