Synchrony
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 7,425 funds
0
Analysts bullish %
of 6 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: 769 [Q3] → 880 (+111) [Q4]
1.8% more ownership
Funds ownership: 95.12% [Q3] → 96.92% (+1.8%) [Q4]
1% less repeat investments, than reductions
Existing positions increased: 295 | Existing positions reduced: 298
Research analyst outlook
6 Wall Street Analysts provided 1 year price targets over the past 3 months
Low target
$44
15%
downside
Avg. target
$57
10%
upside
High target
$70
35%
upside
6 analyst ratings
4 positive
67%
2 neutral
33%
0 negative
0%
Truist Securities Brian Foran 57% 1-year accuracy 12 / 21 met price target | 10%upside $57 | Hold Maintained | 25 Apr 2025 |
Wells Fargo Donald Fandetti 50% 1-year accuracy 16 / 32 met price target | 25%upside $65 | Overweight Maintained | 23 Apr 2025 |
Evercore ISI Group John Pancari 50% 1-year accuracy 15 / 30 met price target | 8%upside $56 | Outperform Maintained | 23 Apr 2025 |
JP Morgan Richard Shane 44% 1-year accuracy 28 / 64 met price target | 4%downside $50 | Overweight Maintained | 8 Apr 2025 |
Morgan Stanley | 15%downside $44 | Equal-Weight Downgraded | 7 Apr 2025 |
Financial journalist opinion
Based on 31 articles about SYF published over the past 30 days
Neutral
CNBC
2 days ago
Wealthy consumers upped their spending last quarter, while the rest of America is cutting back
Lower-income earners are reining in their transactions to focus on essentials, while the wealthy continue to spend freely on perks including dining out and luxury travel, according to first-quarter results from U.S. credit card lenders. Synchrony, which provides store cards for retail brands including Lowe's and T.J.
Positive
Zacks Investment Research
5 days 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.
Positive
Zacks Investment Research
6 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.
Neutral
PRNewsWire
6 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.
Positive
Market Watch
1 week 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.
Positive
Seeking Alpha
1 week 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.
Neutral
PRNewsWire
1 week 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.
Neutral
Seeking Alpha
1 week 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.
Positive
Zacks Investment Research
1 week 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%.
Positive
PYMNTS
1 week 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.
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