Royal Bank Of Canada Has Lowered Expectations for Synchrony Financial (NYSE:SYF) Stock Price

Posted by George Bondi on Jul 22nd, 2026

Synchrony Financial (NYSE:SYF – Get Free Report) had its target price cut by equities researchers at Royal Bank Of Canada from $85.00 to $80.00 in a note issued to investors on Wednesday,Benzinga reports. The brokerage currently has a “sector perform” rating on the financial services provider’s stock. Royal Bank Of Canada’s target price suggests a potential upside of 11.06% from the company’s current price.

A number of other equities analysts have also recently weighed in on SYF. Truist Financial increased their price objective on shares of Synchrony Financial from $71.00 to $82.00 and gave the stock a “hold” rating in a research report on Thursday, April 23rd. Weiss Ratings restated a “buy (b-)” rating on shares of Synchrony Financial in a report on Friday. UBS Group lifted their target price on Synchrony Financial from $77.00 to $84.00 and gave the company a “neutral” rating in a research report on Tuesday, July 7th. Robert W. Baird boosted their price target on shares of Synchrony Financial from $86.00 to $90.00 and gave the stock an “outperform” rating in a research note on Wednesday. Finally, Barclays increased their price target on shares of Synchrony Financial from $82.00 to $93.00 and gave the stock an “overweight” rating in a research report on Wednesday, April 22nd. Twelve analysts have rated the stock with a Buy rating and eight have assigned a Hold rating to the company. According to MarketBeat, the stock currently has a consensus rating of “Moderate Buy” and a consensus target price of $87.26.

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Synchrony Financial Trading Down 0.2%

SYF stock traded down $0.17 during midday trading on Wednesday, hitting $72.04. 843,525 shares of the company’s stock were exchanged, compared to its average volume of 4,210,502. Synchrony Financial has a 1-year low of $63.08 and a 1-year high of $88.77. The business has a 50-day simple moving average of $73.20 and a two-hundred day simple moving average of $73.22. The stock has a market capitalization of $24.23 billion, a PE ratio of 7.44, a P/E/G ratio of 0.69 and a beta of 1.32. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 1.08.

Synchrony Financial (NYSE:SYF – Get Free Report) last issued its quarterly earnings data on Tuesday, July 21st. The financial services provider reported $2.59 earnings per share (EPS) for the quarter, beating the consensus estimate of $2.14 by $0.45. Synchrony Financial had a net margin of 15.80% and a return on equity of 23.41%. The firm had revenue of $3.72 billion for the quarter, compared to analyst estimates of $3.73 billion. During the same period in the previous year, the firm earned $2.50 EPS. Synchrony Financial has set its FY 2026 guidance at 9.250-9.500 EPS. On average, sell-side analysts predict that Synchrony Financial will post 9.34 EPS for the current fiscal year.

Synchrony Financial announced that its Board of Directors has approved a stock buyback program on Tuesday, April 21st that authorizes the company to buyback $0.00 in outstanding shares. This buyback authorization authorizes the financial services provider to purchase shares of its stock through open market purchases. Stock buyback programs are often a sign that the company’s board of directors believes its shares are undervalued.

Insider Activity

In related news, insider Jonathan S. Mothner sold 51,258 shares of the firm’s stock in a transaction that occurred on Friday, May 15th. The stock was sold at an average price of $71.23, for a total transaction of $3,651,107.34. Following the transaction, the insider owned 132,664 shares in the company, valued at $9,449,656.72. This trade represents a 27.87% decrease in their position. The transaction was disclosed in a filing with the SEC, which is available through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 0.36% of the stock is currently owned by company insiders.

Hedge Funds Weigh In On Synchrony Financial

A number of hedge funds have recently modified their holdings of SYF. Advisors Asset Management Inc. acquired a new position in Synchrony Financial in the fourth quarter valued at $29,000. Fideuram Asset Management Ireland dac purchased a new position in shares of Synchrony Financial during the fourth quarter worth about $29,000. FWL Investment Management LLC acquired a new position in Synchrony Financial in the 3rd quarter valued at about $26,000. Reflection Asset Management purchased a new stake in Synchrony Financial during the 4th quarter valued at approximately $31,000. Finally, Palisade Asset Management LLC purchased a new stake in Synchrony Financial during the 3rd quarter valued at approximately $29,000. 96.48% of the stock is currently owned by hedge funds and other institutional investors.

Key Headlines Impacting Synchrony Financial

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

Positive Sentiment: Synchrony beat second-quarter EPS estimates by a wide margin, reporting $2.59 per share versus expectations around $2.08-$2.14, while also raising its full-year 2026 EPS guidance to $9.25-$9.50. The strong profit beat, record purchase volume, and loan growth point to solid operating momentum. Synchrony Reports Second Quarter 2026 Results
Positive Sentiment: Analysts responded favorably: Robert W. Baird raised its price target to $90 and kept an outperform rating, while Bank of America’s Mihir Bhatia reiterated a Buy rating and set an $89 target. Those revisions signal confidence in Synchrony’s earnings power and valuation. Benzinga report on price target increase
Positive Sentiment: Management also increased the quarterly dividend to $0.34 from $0.30, a 13.3% hike, which may appeal to income-focused investors and suggests confidence in capital returns.
Neutral Sentiment: Revenue came in just below estimates at $3.72 billion versus about $3.73 billion expected, which may be limiting upside in the shares despite the earnings beat.
Neutral Sentiment: Commentary around the Q2 call and consumer spending trends was generally constructive, with Synchrony suggesting customers are still spending despite inflation pressures, but this is more supportive of the long-term outlook than an immediate catalyst.

Synchrony Financial Company Profile

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Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.

Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences.