Synchrony (SYF)

• Market cap: $27.7B
• 1 day: -2.29%
• 5 days: -1.93%
• 1 month: 3.82%
• 3 months: 21.64%
• 6 months: 39.46%
• Year to date: 14.22%
• 1 year: 57.47%
• 5 years: 170.13%
• 10 years: 141.35%
• Sector: Financials
• Industry: Credit Services

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

Fund manager confidence

Based on 2025 Q2 regulatory disclosures by fund managers ($100M+ AUM)

36% more funds holding in top 10

Funds holding in top 10: 11 [Q1] → 15 (+4) [Q2]

28% more capital invested

Capital invested by funds: $19.8B [Q1] → $25.4B (+$5.62B) [Q2]

18% more first-time investments, than exits

New positions opened: 123 | Existing positions closed: 104

12% more repeat investments, than reductions

Existing positions increased: 336 | Existing positions reduced: 300

3.71% more ownership

Funds ownership: 96.45% [Q1] → 100.16% (+3.71%) [Q2]

0% more funds holding

Funds holding: 857 [Q1] → 861 (+4) [Q2]

9% less call options, than puts

Call options by funds: $125M | Put options by funds: $137M

Research analyst outlook

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

• Low target: $70
• Avg. target: $78
• High target: $80

9 analyst ratings

• positive: 6 67%
• neutral: 3 33%
• negative: 0 0%

B of A Securities Mihir Bhatia	$80	Buy Maintained	11 Sep 2025
Truist Securities Brian Foran	$76	Hold Maintained	24 Jul 2025
RBC Capital Jon Arfstrom	$78	Sector Perform Maintained	23 Jul 2025
Wells Fargo Donald Fandetti	$80	Overweight Maintained	23 Jul 2025
Barclays Terry Ma	$80	Overweight Maintained	23 Jul 2025