Synchrony Financial [NYSE: SYF] stock went on an upward path that rose over 1.87% on Wednesday, amounting to a one-week price decrease of less than -3.89%.
Over the last 12 months, SYF stock rose by 11.62%. The one-year Synchrony Financial stock forecast points to a potential upside of 12.96. The average equity rating for SYF stock is currently 1.79, trading closer to a bullish pattern in the stock market.
The market cap for the stock reached $26.13 billion, with 360.14 million shares outstanding and 358.43 million shares in the current float. Compared to the average trading volume of 3.31M shares, SYF stock reached a trading volume of 5567631 in the most recent trading day, which is why market watchdogs consider the stock to be active.
Guru’s Opinion on Synchrony Financial [SYF]:
Based on careful and fact-backed analyses by Wall Street experts, the current consensus on the target price for SYF shares is $83.35 per share. Analysis on target price and performance of stocks is usually carefully studied by market experts, and the current Wall Street consensus on SYF stock is a recommendation set at 1.79. This rating represents a strong Buy recommendation, on the scale from 1 to 5, where 5 would mean strong sell, 4 represents Sell, 3 is Hold, and 2 indicates Buy.
HSBC Securities have made an estimate for Synchrony Financial shares, keeping their opinion on the stock as Buy, with their previous recommendation back on October 10, 2025. The new note on the price target was released on October 07, 2025, representing the official price target for Synchrony Financial stock. Previously, the target price had yet another raise to $72, while Rothschild & Co Redburn analysts kept a Neutral rating on SYF stock.
The Price to Book ratio for the last quarter was 1.65, with the Price to Cash per share for the same quarter was set at 45.10. Price to Free Cash Flow for SYF in the course of the last twelve months was 2.68 with Quick ratio for the last quarter at 2.90.
SYF Stock Performance Analysis:
Synchrony Financial [SYF] fell into the red zone at the end of the last week, falling into a negative trend and dropping by -3.89. With this latest performance, SYF shares dropped by -1.96% in over the last four-week period, additionally plugging by 26.75% over the last 6 months – not to mention a rise of 11.62% in the past year of trading.
Overbought and oversold stocks can be easily traced with the Relative Strength Index (RSI), where an RSI result of over 70 would be overbought, and any rate below 30 would indicate oversold conditions. An RSI rate of 50 would represent a neutral market momentum. The current RSI for SYF stock in for the last two-week period is set at 47.83, with the RSI for the last a single of trading hit 1.99, and the three-weeks RSI is set at 1.99 for Synchrony Financial [SYF]. The present Moving Average for the last 50 days of trading for this stock 73.23, while it was recorded at 72.22 for the last single week of trading, and 64.68 for the last 200 days.
Insight into Synchrony Financial Fundamentals:
Operating Margin for any stock indicates how profitable investing would be, and Synchrony Financial [SYF] shares currently have an operating margin of 28.31% and a Gross Margin at 80.23%. Synchrony Financial’s Net Margin is presently recorded at 18.12%.
Synchrony Financial (SYF) Capital Structure & Debt Analysis
According to recent financial data for Synchrony Financial. ( SYF), the Return on Equity (ROE) stands at 21.64%, reflecting robust shareholder value creation. The Return on Assets (ROA) is 3.03%, reflecting the company’s efficiency in generating profits from its assets. Additionally, Synchrony Financial’s Return on Invested Capital (ROIC) is 11.09%, showcasing its effectiveness in deploying capital for earnings.
Synchrony Financial (SYF) Efficiency & Liquidity Metrics
Based on Synchrony Financial’s (SYF) latest financial statements, the Debt-to-Equity Ratio is 0.85%, indicating its reliance on debt financing relative to shareholder equity.
Synchrony Financial (SYF) Efficiency & Liquidity Metrics
From an operational efficiency perspective, Synchrony Financial. (SYF) effectively leverages its workforce, generating an average of $174500.0 per employee. The company’s liquidity position is robust, with a Current Ratio of 2.90% and a Quick Ratio of 2.90%, indicating strong ability to cover short-term liabilities.
SYF Stock EPS
With the latest financial reports released by the company, Synchrony Financial posted 1.91/share EPS, while the average EPS was predicted by analysts to be reported at 1.92/share. When compared, the two values demonstrate that the company fail the estimates by a Surprise Factor of -0.01. The progress of the company may be observed through the prism of EPS growth rate, while Wall Street analysts are focusing on predicting the 5-year EPS growth rate for SYF. When it comes to the mentioned value, analysts are expecting to see the 5-year EPS growth rate for Synchrony Financial go to 16.26%.
Synchrony Financial [SYF] Institutonal Ownership Details
There are presently around $106.06%, or 106.39%% of SYF stock, in the hands of institutional investors. The top three institutional holders of SYF stocks are: VANGUARD GROUP INC with ownership of 50.27 million shares, which is approximately 12.5888%. CAPITAL WORLD INVESTORS, holding 43.62 million shares of the stock with an approximate value of $$2.06 billion in SYF stocks shares; and CAPITAL WORLD INVESTORS, currently with $$1.69 billion in SYF stock with ownership which is approximately 8.9683%.
