SYF icon

Synchrony

70.61 USD
-0.53
0.75%
At close Jul 11, 4:00 PM EDT
After hours
70.61
+0.00
0.00%
1 day
-0.75%
5 days
1.03%
1 month
14.27%
3 months
53.07%
6 months
8.95%
Year to date
8.21%
1 year
43.93%
5 years
211.19%
10 years
111.72%
 

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 7,312 funds
0
Analysts bullish %
of 7 analysts

Fund manager confidence

Based on 2025 Q1 regulatory disclosures by fund managers ($100M+ AUM)

38% more call options, than puts

Call options by funds: $142M | Put options by funds: $103M

27% more repeat investments, than reductions

Existing positions increased: 359 | Existing positions reduced: 283

0.75% less ownership

Funds ownership: 96.97% [Q4 2024] → 96.22% (-0.75%) [Q1 2025]

4% less funds holding

Funds holding: 884 [Q4 2024] → 849 (-35) [Q1 2025]

14% less first-time investments, than exits

New positions opened: 103 | Existing positions closed: 120

15% less funds holding in top 10

Funds holding in top 10: 13 [Q4 2024] → 11 (-2) [Q1 2025]

19% less capital invested

Capital invested by funds: $24.5B [Q4 2024] → $19.8B (-$4.76B) [Q1 2025]

Research analyst outlook

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

Low target
$56
21%
downside
Avg. target
$73
3%
upside
High target
$81
15%
upside

7 analyst ratings

positive
71%
neutral
29%
negative
0%
JP Morgan
Richard Shane
13%upside
$80
Overweight
Maintained
11 Jul 2025
Morgan Stanley
1%downside
$70
Equal-Weight
Maintained
10 Jul 2025
Barclays
Terry Ma
15%upside
$81
Overweight
Maintained
8 Jul 2025
Goldman Sachs
Alex Scott
10%upside
$78
Buy
Maintained
2 Jul 2025
Wells Fargo
Donald Fandetti
6%upside
$75
Overweight
Maintained
1 Jul 2025

Financial journalist opinion

Based on 11 articles about SYF published over the past 30 days

Positive
Zacks Investment Research
1 week ago
Why Synchrony (SYF) is a Top Value Stock for the Long-Term
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
Why Synchrony (SYF) is a Top Value Stock for the Long-Term
Positive
Zacks Investment Research
1 week ago
Why Synchrony (SYF) is a Top Momentum Stock for the Long-Term
Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.
Why Synchrony (SYF) is a Top Momentum Stock for the Long-Term
Positive
Zacks Investment Research
2 weeks ago
Synchrony Partners With Sploot to Make Pet Healthcare More Affordable
SYF teams up with Sploot to launch CareCredit at pet clinics, expanding access to veterinary financing in key cities.
Synchrony Partners With Sploot to Make Pet Healthcare More Affordable
Neutral
PRNewsWire
2 weeks ago
Synchrony and KTM North America Partner to Sponsor Babes in the Dirt 2025 Off-Road Adventure Series to Highlight Women Off-Roaders
Synchrony to Serve as the Official Financing Partner for Babes in the Dirt Sales and Services, KTM to Provide Demonstrations of its Newest Motorcycles STAMFORD, Conn. and MURRIETA, Calif.
Synchrony and KTM North America Partner to Sponsor Babes in the Dirt 2025 Off-Road Adventure Series to Highlight Women Off-Roaders
Neutral
PRNewsWire
2 weeks ago
Synchrony Partners with Sploot Veterinary Care to Finance Comprehensive Veterinary Services with CareCredit
CareCredit to be First Financing Solution Offered by Sploot, Giving Pet Owners Flexible Payment Options for Care STAMFORD, Conn. , June 24, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer financial services company, today announced a partnership with Sploot Veterinary Care, a modern, pet-parent-first veterinary provider with locations in Denver, Chicago, and Colorado Springs.
Synchrony Partners with Sploot Veterinary Care to Finance Comprehensive Veterinary Services with CareCredit
Neutral
PRNewsWire
2 weeks ago
Synchrony to Announce Second Quarter 2025 Financial Results on July 22, 2025
STAMFORD, Conn., June 24, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its second quarter 2025 results on Tuesday, July 22, 2025.
Synchrony to Announce Second Quarter 2025 Financial Results on July 22, 2025
Positive
Zacks Investment Research
3 weeks ago
SYF Joins Forces With Payzer to Streamline Home Improvement Financing
Synchrony teams up with Payzer to embed financing into contractor tools, aiming to boost speed, flexibility and customer satisfaction.
SYF Joins Forces With Payzer to Streamline Home Improvement Financing
Neutral
PRNewsWire
3 weeks ago
Synchrony and Payzer to Offer Seamless Home Improvement Financing Options
Technology Integration to Transform Home Improvement Financing for Contractors and Their Customers STAMFORD, Conn. , June 18, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier financial services company, and Payzer, a WEX company that provides field service management software for residential contractors, have partnered to offer a comprehensive digital process designed to streamline sales and business transactions for contractors.
Synchrony and Payzer to Offer Seamless Home Improvement Financing Options
Positive
Seeking Alpha
3 weeks ago
Synchrony Financial: Sticking With The 7.65% Yielding Series A Preferred Shares
I prefer Synchrony Financial's Series A preferred shares over Series B, given the likelihood of lower interest rates and capital appreciation potential. SYF's strong interest income and resilient asset yields offset rising borrowing costs, though net interest margin has declined slightly in recent quarters. Loan balances dropped in Q1, but deposit growth improved the loan-to-deposit ratio; increased external borrowing suggests potential for future loan growth.
Synchrony Financial: Sticking With The 7.65% Yielding Series A Preferred Shares
Positive
Zacks Investment Research
3 weeks ago
Here's Why Synchrony (SYF) is a Strong Value Stock
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
Here's Why Synchrony (SYF) is a Strong Value Stock
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