Barclays Forecasts Strong Price Appreciation for Synchrony Financial (NYSE:SYF) Stock

Posted by Brian Himes on Oct 21st, 2026

Synchrony Financial (NYSE:SYF – Get Free Report) had its target price lifted by equities researchers at Barclays from $93.00 to $94.00 in a report issued on Wednesday, Benzinga reports. The firm presently has an “overweight” rating on the financial services provider’s stock. Barclays’ price target would indicate a potential upside of 28.00% from the stock’s current price.

A number of other analysts have also recently issued reports on SYF. Jefferies Financial Group reissued a “buy” rating and issued a $103.00 target price on shares of Synchrony Financial in a research report on Tuesday. Wells Fargo & Company dropped their price target on Synchrony Financial from $95.00 to $88.00 and set an “overweight” rating on the stock in a research note on Wednesday, July 22nd. Weiss Ratings raised Synchrony Financial from a “buy (b-)” rating to a “buy (b)” rating in a research report on Thursday, October 8th. HSBC boosted their price objective on Synchrony Financial from $93.00 to $97.00 and gave the company a “buy” rating in a research note on Monday, July 13th. Finally, TD Cowen reduced their price objective on Synchrony Financial from $90.00 to $86.00 and set a “buy” rating for the company in a research note on Tuesday, October 6th. Ten equities research analysts have rated the stock with a Buy rating and nine have assigned a Hold rating to the company’s stock. According to data from MarketBeat.com, the company presently has an average rating of “Moderate Buy” and a consensus target price of $87.67.

Read Our Latest Analysis on Synchrony Financial

Synchrony Financial Stock Performance

NYSE SYF opened at $73.44 on Wednesday. The company has a debt-to-equity ratio of 1.08, a current ratio of 1.22 and a quick ratio of 1.22. Synchrony Financial has a 1 year low of $63.08 and a 1 year high of $88.77. The company has a market capitalization of $23.90 billion, a PE ratio of 7.52, a P/E/G ratio of 0.86 and a beta of 1.35. The company has a fifty day moving average of $75.78 and a two-hundred day moving average of $74.63.

Synchrony Financial (NYSE:SYF – Get Free Report) last issued its quarterly earnings data on Tuesday, October 20th. The financial services provider reported $2.68 earnings per share (EPS) for the quarter, topping the consensus estimate of $2.42 by $0.26. Synchrony Financial had a return on equity of 23.09% and a net margin of 15.44%. The company had revenue of $3.82 billion for the quarter, compared to analyst estimates of $3.81 billion. During the same quarter last year, the company posted $2.86 earnings per share. As a group, analysts expect that Synchrony Financial will post 9.40 earnings per share for the current year.

Institutional Inflows and Outflows

Institutional investors have recently bought and sold shares of the business. Sowell Financial Services LLC boosted its stake in shares of Synchrony Financial by 6.7% during the third quarter. Sowell Financial Services LLC now owns 10,668 shares of the financial services provider’s stock worth $757,000 after buying an additional 670 shares during the period. Pinnacle Associates Ltd. increased its position in Synchrony Financial by 17.5% in the 3rd quarter. Pinnacle Associates Ltd. now owns 6,319 shares of the financial services provider’s stock valued at $448,000 after acquiring an additional 942 shares during the period. Robeco Institutional Asset Management B.V. raised its stake in Synchrony Financial by 9.2% during the 3rd quarter. Robeco Institutional Asset Management B.V. now owns 3,090,218 shares of the financial services provider’s stock valued at $219,313,000 after acquiring an additional 260,293 shares during the last quarter. 55 North Private Wealth LLC purchased a new stake in Synchrony Financial during the 3rd quarter valued at approximately $228,000. Finally, CWA Asset Management Group LLC raised its stake in Synchrony Financial by 8.4% during the 3rd quarter. CWA Asset Management Group LLC now owns 108,588 shares of the financial services provider’s stock valued at $7,706,000 after acquiring an additional 8,395 shares during the last quarter. 96.48% of the stock is currently owned by institutional investors and hedge funds.

Synchrony Financial News Summary

Here are the key news stories impacting Synchrony Financial this week:

Positive Sentiment: Q3 earnings exceeded expectations: Synchrony reported adjusted earnings of $2.68 per share, above the $2.42–$2.48 consensus range, while revenue of $3.82 billion was slightly ahead of estimates. Management also projected full-year earnings of approximately $9.50 per share, near the top of its prior outlook. Synchrony Reports Third Quarter 2026 Results
Positive Sentiment: Credit performance improved: Net charge-offs declined to about 4.79%, while 30-day and 90-day delinquency rates also eased. The data reduces concerns about a major consumer-credit deterioration and suggests Synchrony’s underwriting and risk controls are working. Synchrony Q3 Earnings Beat Estimates
Positive Sentiment: Consumer spending remained resilient: Third-quarter purchase volume rose 8% year over year to approximately $49.7 billion, supported by growth in Diversified & Value and Home & Auto. Synchrony also repurchased roughly $1.1 billion of stock, potentially supporting future earnings per share.
Positive Sentiment: New CareCredit payment option: CareCredit Pay Later will offer consumers installment loans alongside revolving credit products, giving healthcare and wellness customers more financing choices and potentially increasing provider and transaction volumes. CareCredit Introduces CareCredit Pay Later
Neutral Sentiment: Synchrony declared a quarterly dividend of $0.34 per share, equal to $1.36 annually and a yield of roughly 1.9%. The dividend reinforces shareholder returns, though the next ex-dividend date is November 5.
Negative Sentiment: Profit declined year over year: Third-quarter earnings fell from $2.86 to $2.68 per share as expenses increased. Net interest margin also narrowed, partly because healthier payment behavior reduced late-fee revenue. Synchrony Financial Profit Falls on Higher Costs
Negative Sentiment: Evercore downgraded SYF: The firm moved its rating from “outperform” to “in-line,” assigning a $78 price target. The downgrade could weigh on sentiment despite the target remaining above the quoted market level.

About Synchrony Financial

(Get Free Report)

Synchrony Financial (NYSE: SYF) is a consumer financial services company that provides private-label credit cards, co-branded credit cards and promotional financing programs. Its financing products are offered through retailers, manufacturers, healthcare providers and other businesses, helping consumers pay for purchases over time.

The company serves a range of industries, including digital commerce, home improvement, furniture, automotive, healthcare, jewelry, apparel, electronics and specialty retail.