Synchrony Financial (NYSE:SYF) Azioni

Synchrony Finl

Synchrony Financial

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).

AB Active ETFs, Inc. AB Short Duration High Yield ETF

Synchrony Financial 8.25% PRF PERPETUAL USD 25 - Dep rep 1/40 Ser B

Synchrony Financial Depositary Shares, each Representing a 1/40th Interest in a Share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A

Synchrony Financial Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

Morgan Stanley analyst Jeff Adelson downgrades Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) from Overweight to Equal-Weight and lowers the price target from $82 to $44.

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Downgrades

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Analyst Ratings

Morgan Stanley Downgrades Synchrony Financial to Equal-Weight, Lowers Price Target to $44

Analysts' ratings for Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) over the last quarter vary from bullish to bearish, as provided by 11 analysts.
The following table provides a quick overview of their recent ratings, highlighting the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">3</td>
<td align="right">2</td>
<td align="right">6</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have recently evaluated Synchrony Financial and provided 12-month price targets. The average target is $73.55, accompanied by a high estimate of $85.00 and a low estimate of $65.00. Surpassing the previous average price target of $73.06, the current average has increased by 0.67%.
<img src="https://www.benzinga.com/files/images/story/2025/1743703585_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
A clear picture of Synchrony Financial's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$70.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$65.00</td>
<td>$77.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Lowers</td>
<td>Buy</td>
<td>$70.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$77.00</td>
<td>$72.00</td>
</tr>
<tr>
<td>Karl Shepard</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$73.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Neutral</td>
<td>$70.00</td>
<td>-</td>
</tr>
<tr>
<td>Mihir Bhatia</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$85.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Eric Wasserstrom</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$66.00</td>
<td>$58.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$82.00</td>
<td>$72.50</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Hold</td>
<td>$72.00</td>
<td>-</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$79.00</td>
<td>$59.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Synchrony Financial. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Synchrony Financial compared to the broader market.</li>
<li>Price Targets: Analysts provide insights into price targets, offering estimates for the future value of Synchrony Financial's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Synchrony Financial's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/SYF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Synchrony Financial analyst ratings.</a>
<h2>Get to Know Synchrony Financial Better</h2>
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).
<h3>Unraveling the Financial Story of Synchrony Financial</h3>
Market Capitalization: Exceeding industry standards, the company's market capitalization places it above industry average in size relative to peers. This emphasizes its significant scale and robust market position.
Revenue Growth: Synchrony Financial's revenue growth over a period of 3 months has been noteworthy. As of 31 December, 2024, the company achieved a revenue growth rate of approximately 3.88%. This indicates a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Synchrony Financial's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 19.81% net margin, the company effectively manages costs and achieves strong profitability.
Return on Equity (ROE): The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of 5.0%, the company showcases effective utilization of equity capital.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.63%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 1.01.
<h2>The Significance of Analyst Ratings Explained</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.
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Deep Dive Into Synchrony Financial Stock: Analyst Perspectives (11 Ratings)

WIIM

Synchrony Financial shares are trading lower after Wells Fargo cut its price target on the stock from $85 to $70.

Wells Fargo analyst Donald Fandetti maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Overweight and lowers the price target from $85 to $70.

Wells Fargo Maintains Overweight on Synchrony Financial, Lowers Price Target to $70

According to the largest provider of private-label credit cards in the U.S., consumers — pressured by years of persistent inflation — are reducing spending as the <a href="https://www.benzinga.com/government/regulations/25/03/44475192/consumer-confidence-falls-to-lowest-since-2022-as-inflation-tariff-worries-grow">economic outlook worsens</a>.
What To Know: Synchrony Financial's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) chief credit officer Max Axler told Reuters that while most borrowers continue repaying loans, spending has dipped across income levels. 
&#8220;Purchase volumes have gone down across the industry as consumers across all income groups become more thoughtful about spending,&#8221; Axler said.
Read Next:<a href="https://www.benzinga.com/25/03/44475805/homebuilders-kb-home-lennar-cut-prices-as-homebuyer-demand-has-slowed-materially"> Homebuilders KB Home, Lennar Cut Prices As Buyer Demand Has &#8216;Slowed Materially&#8217;</a>
The latest data released by the Consumer Confidence Board on Tuesday showed that pessimism about the economic future is gripping American consumers. The Consumer Confidence Index fell 7.2 points in March to 92.9, its fourth consecutive monthly decline and the lowest reading since late 2022. 
According to recent Federal Reserve data, <a href="https://www.benzinga.com/news/econ-s/25/03/44439342/are-us-consumers-starting-to-crack-pessimism-loan-defaults-bargain-hunting-rise">delinquencies</a> on auto loans, credit cards, and home credit lines have increased, and economists warn that President Donald Trump's tariffs may exacerbate price pressures. 
Consumers may soon face additional financial strain as student loan servicers resume reporting delinquencies to credit bureaus. The process, which began in mid-February 2025, could worsen already stretched household finances.
&#8220;For the first time in five years, federal student loan delinquencies will start to reappear on credit files, and we expect a lot of consumers to be stretched due to this,&#8221; Rikard Bandebo, chief economist at VantageScore, told Reuters. 
&#8220;We expect delinquencies to go up as a result of it at a time when consumer debt is already high,&#8221; Bandebo added.
Concerns about consumer strength have also weighed on financial stocks. Shares of Discover Financial Services (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) have shed nearly 10% over the past month, and Capital One Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>) are down 6% over the same period.
The SPDR Select Financial Sector Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>), which holds 73 large-cap financial stocks, has dipped 1% over the past 30 days on broad consumer spending concerns.&nbsp;
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</ul>
Image: Shutterstock&nbsp;

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Shares of financial stocks are trading higher amid overall market strength on reports of potentially narrowed or targeted tariffs, which may be easing investor concerns.

Truist Securities analyst Brian Foran maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Hold and lowers the price target from $77 to $65.

Truist Securities Maintains Hold on Synchrony Financial, Lowers Price Target to $65

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CUBI

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Shares of several banking and broader financial stocks are trading higher in sympathy with overall market sentiment after the Fed policy decision to keep rates unchanged.

The latest market downturn has left many investors questioning whether this is a temporary dip or the beginning of <a href="https://www.benzinga.com/markets">a prolonged bear market.</a>
Yet, an eye-opening indicator suggests that opportunities may be more abundant than feared—95% of S&amp;P 500 stocks currently hold a median analyst price target above their latest trading price, signaling significant upside potential across the board.
Notably, two Magnificent Seven stocks—Nvidia Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>) and Tesla Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>)—rank among the top when comparing the gap between Wall Street&#8217;s median price target and current prices, a quite uncommon event for tech giants that traditionally trade at valuation premiums.
<h3 class="wp-block-heading">Is This A Market Bottom Or A Value Trap?</h3>
The S&amp;P 500 officially entered correction territory last week, leaving investors to wonder whether the worst is over or if further downside awaits.
Ed Yardeni, president of Yardeni Research, has been one of the more bullish voices on Wall Street. Last week, he raised his probability of a bearish scenario from 20% to 35%. That forecast includes the possibility of a recession or stagflation—a combination of stagnant growth and inflation.
Yardeni also acknowledged the possibility that a bear market may have begun on Feb. 20, the day after the S&amp;P 500 reached a record high. This shift in sentiment led him to lower his year-end 2025 S&amp;P 500 target from 7,000 to 6,400.
From a technical standpoint, only 41% of S&amp;P 500 stocks are trading above their 200-day moving average, signaling that most have fallen below a key trend support level, potentially confirming a bearish phase.
Yet, long-term market data provides a reason for optimism. 
Jeffrey Buchbinder, chief equity strategist at LPL Financial, points out that market corrections—defined as a decline of 10% or more—occur every 1.1 years on average, dating back to 1928. 
&#8220;Corrections also tend to produce attractive buying opportunities&#8221;
Since 1950, the S&amp;P 500 has experienced an average intra-year drawdown of a negative 13.7%, yet it has still managed to post an average annual gain of 9.5%, with 73% of those years ending in positive territory. 
Even in years when the index experienced an intra-year decline of 10% to 20%, the average annual return was still 8.4%, with 64% of those years finishing higher.
<h3 class="wp-block-heading">Which Stocks Have The Biggest Upside?</h3>
Based on current analyst price targets, several stocks stand out for their potential gains. 
Deckers Outdoor Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DECK#NYSE">DECK</a>) leads the list, with a median price target nearly 95% higher than its last price. First Solar Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FSLR#NASDAQ">FSLR</a>) follows closely, with a projected upside of 93%.
Notably, Tesla and Nvidia, two of the most closely watched growth stocks, also rank high on the list. Analysts see Tesla's price target at $371.50, representing a 64.9% upside, while Nvidia's median price target sits at $175, implying a 51.6% gain from current levels.
Other stocks with significant upside potential include:
<ul>
<li>Caesars Entertainment Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZR#NASDAQ">CZR</a>) &#8211; 81.4% potential upside</li>
<li>Western Digital Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WDC#NASDAQ">WDC</a>) &#8211; 80.4% potential upside</li>
<li>United Airlines Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UAL#NASDAQ">UAL</a>) &#8211; 80.2% potential upside</li>
<li>Delta Air Lines Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DAL#NYSE">DAL</a>) &#8211; 72.0% potential upside</li>
</ul>
<figure class="wp-block-table is-style-stripes"> 
<table>
<thead>
<tr>
<th>#</th>
<th>Stock name</th>
<th>Last Price</th>
<th>Price Target &#8211; Median</th>
<th>Target vs. Last Price %</th>
</tr>
</thead>
<tbody>
<tr>
<td>1</td>
<td>Deckers Outdoor Corp.</td>
<td>115.30</td>
<td>225.00</td>
<td>95.14%</td>
</tr>
<tr>
<td>2</td>
<td>First Solar, Inc. </td>
<td>127.34</td>
<td>245.95</td>
<td>93.14%</td>
</tr>
<tr>
<td>3</td>
<td>Caesars Entertainment, Inc. </td>
<td>27.56</td>
<td>50.00</td>
<td>81.42%</td>
</tr>
<tr>
<td>4</td>
<td>Western Digital Corp.</td>
<td>44.34</td>
<td>80.00</td>
<td>80.42%</td>
</tr>
<tr>
<td>5</td>
<td>United Airlines Holdings, Inc. </td>
<td>71.34</td>
<td>128.60</td>
<td>80.26%</td>
</tr>
<tr>
<td>6</td>
<td>Delta Air Lines, Inc. </td>
<td>45.92</td>
<td>79.00</td>
<td>72.04%</td>
</tr>
<tr>
<td>7</td>
<td>Tesla, Inc. </td>
<td>225.31</td>
<td>371.50</td>
<td>64.88%</td>
</tr>
<tr>
<td>8</td>
<td>Norwegian Cruise Line Holdings Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NCLH#NYSE">NCLH</a>)</td>
<td>19.07</td>
<td>31.00</td>
<td>62.56%</td>
</tr>
<tr>
<td>9</td>
<td>Align Technology, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ALGN#NASDAQ">ALGN</a>)</td>
<td>164.53</td>
<td>260.00</td>
<td>58.03%</td>
</tr>
<tr>
<td>10</td>
<td>Constellation Energy Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CEG#NASDAQ">CEG</a>)</td>
<td>210.85</td>
<td>331.50</td>
<td>57.22%</td>
</tr>
<tr>
<td>11</td>
<td>MGM Resorts International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MGM#NYSE">MGM</a>)</td>
<td>31.86</td>
<td>50.00</td>
<td>56.94%</td>
</tr>
<tr>
<td>12</td>
<td>Carnival Corp. &amp; plc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CCL#NYSE">CCL</a>)</td>
<td>20.12</td>
<td>31.00</td>
<td>54.08%</td>
</tr>
<tr>
<td>13</td>
<td>Nvidia Corp. </td>
<td>115.43</td>
<td>175.00</td>
<td>51.61%</td>
</tr>
<tr>
<td>14</td>
<td>KKR &amp; Co. Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KKR#NYSE">KKR</a>)</td>
<td>114.02</td>
<td>170.00</td>
<td>49.10%</td>
</tr>
<tr>
<td>15</td>
<td>Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>)</td>
<td>53.05</td>
<td>79.00</td>
<td>48.92%</td>
</tr>
<tr>
<td>16</td>
<td>Iron Mountain Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IRM#NYSE">IRM</a>)</td>
<td>87.62</td>
<td>127.50</td>
<td>45.51%</td>
</tr>
<tr>
<td>17</td>
<td>Royal Caribbean Cruises Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RCL#NYSE">RCL</a>)</td>
<td>203.38</td>
<td>295.00</td>
<td>45.05%</td>
</tr>
<tr>
<td>18</td>
<td>Dell Technologies Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DELL#NYSE">DELL</a>)</td>
<td>96.44</td>
<td>139.00</td>
<td>44.13%</td>
</tr>
<tr>
<td>19</td>
<td>Super Micro Computer, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SMCI#NASDAQ">SMCI</a>)</td>
<td>37.90</td>
<td>54.50</td>
<td>43.80%</td>
</tr>
<tr>
<td>20</td>
<td>Synopsys Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SNPS#NASDAQ">SNPS</a>)</td>
<td>447.99</td>
<td>644.00</td>
<td>43.75%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Data: Koyfin</figcaption></figure>
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Analysts See Upside For 95% Of S&P 500 Stocks: How Nvidia, Tesla Stack Up

Analysts' ratings for Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) over the last quarter vary from bullish to bearish, as provided by 9 analysts.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">3</td>
<td align="right">1</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $74.89, a high estimate of $85.00, and a low estimate of $66.00. This current average has increased by 5.79% from the previous average price target of $70.79. 
<img src="https://www.benzinga.com/files/images/story/2025/1742328043_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
The standing of Synchrony Financial among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Lowers</td>
<td>Buy</td>
<td>$70.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$77.00</td>
<td>$72.00</td>
</tr>
<tr>
<td>Karl Shepard</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$73.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Neutral</td>
<td>$70.00</td>
<td>-</td>
</tr>
<tr>
<td>Mihir Bhatia</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$85.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Eric Wasserstrom</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$66.00</td>
<td>$58.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$82.00</td>
<td>$72.50</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Hold</td>
<td>$72.00</td>
<td>-</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$79.00</td>
<td>$59.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Synchrony Financial. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Synchrony Financial compared to the broader market.</li>
<li>Price Targets: Analysts navigate through adjustments in price targets, providing estimates for Synchrony Financial's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Synchrony Financial's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/SYF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Synchrony Financial analyst ratings.</a>
<h2>All You Need to Know About Synchrony Financial</h2>
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).
<h3>Key Indicators: Synchrony Financial's Financial Health</h3>
Market Capitalization Analysis: The company's market capitalization surpasses industry averages, showcasing a dominant size relative to peers and suggesting a strong market position.
Positive Revenue Trend: Examining Synchrony Financial's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 3.88% as of 31 December, 2024, showcasing a substantial increase in top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Synchrony Financial's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 19.81%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): Synchrony Financial's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 5.0% ROE, the company effectively utilizes shareholder equity capital.
Return on Assets (ROA): Synchrony Financial's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.63%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: Synchrony Financial's debt-to-equity ratio is below the industry average at 1.01, reflecting a lower dependency on debt financing and a more conservative financial approach.
<h2>The Basics of Analyst Ratings</h2>
Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. 
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Beyond The Numbers: 9 Analysts Discuss Synchrony Financial Stock

As tax season <a href="https://www.benzinga.com/topic/taxes">kicks into high gear</a>, one analyst noted an increase in tax refunds that could leave taxpayers with more cash as they head into spring.
Bank of America analyst Mihir Bhatia analyzed consumer finances as we move into the final weeks of tax season.
Bhatia noted a continued increase in tax refunds by the Internal Revenue Service through 2025. Year-to-date, tax refunds are running 6% higher than they did in 2024, ahead of last year for the third straight week. This year&#8217;s average refund amount is $3,324, up 5.7% from last year.
&#8220;Higher aggregate refunds should be a tailwind for consumers, particularly lower income consumers who use tax refunds for debt paydown and big-ticket purchases,&#8221; the analyst said. &#8220;Total amount refunded running ahead on a y/y basis, well into tax season, is a positive sign for consumer balance sheets.&#8221;
Bhatia said Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), Bread Financial Holdings Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BFH#NYSE">BFH</a>) and Capital One Financial Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>) are the financial services companies &#8220;most exposed to consumers who will utilize tax refunds to pay down debt and for down payments on big-ticket purchases.&#8221; Synchrony and Bread specialize in private-label credit cards at retailers.
Despite President Donald Trump&#8216;s insinuations to cut back on government assistance program funding, the analyst believes government transfer payments will tick up in 2025. This increase will be driven by social security payments rather than relief for younger individuals.
&#8220;We estimate US consumers to receive $70B more in government transfer payments in 2025 vs. 2024, driven by higher social security payments, slightly offset by an increase in student loan payments and lower SNAP payments,&#8221; Bhatia said. &#8220;Overall, while the net impact is more money in the hands of consumers, it appears the benefit would be concentrated among social security recipients, while younger individuals (student loan payments) could face some incremental pressure.&#8221;
Also Read:
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<li><a href="https://www.benzinga.com/economics/macro-economic-events/25/03/44379453/equity-exposure-plummets-cash-holdings-jump-as-investors-rethink-us-exceptionalism-bank-of-america-survey">Equity Exposure Plummets, Cash Holdings Jump As Investors Rethink &#8216;US Exceptionalism,&#8217; Bank Of America Survey</a></li>
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Photo: Shutterstock

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