Morgan Stanley Has Lowered Expectations for Synchrony Financial (NYSE:SYF) Stock Price

Posted by Francis Steltz on Oct 12th, 2026

Synchrony Financial (NYSE:SYF – Get Free Report) had its price target lowered by analysts at Morgan Stanley from $84.00 to $83.00 in a research note issued on Monday, Benzinga reports. The brokerage currently has an “equal weight” rating on the financial services provider’s stock. Morgan Stanley’s price target would suggest a potential upside of 11.73% from the company’s current price.

Several other research analysts have also issued reports on SYF. TD Cowen dropped 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. JPMorgan Chase & Co. reduced their target price on shares of Synchrony Financial from $78.00 to $74.00 and set a “neutral” rating on the stock in a research note on Monday. UBS Group lowered their target price on shares of Synchrony Financial from $87.00 to $81.00 and set a “neutral” rating on the stock in a report on Monday, October 5th. HSBC increased their target price on shares of Synchrony Financial from $93.00 to $97.00 and gave the stock a “buy” rating in a research report on Monday, July 13th. Finally, BMO Capital Markets initiated coverage on shares of Synchrony Financial in a report on Friday. They set a “market perform” rating and a $81.00 price target for the company. Nine analysts have rated the stock with a Buy rating and eight have given a Hold rating to the stock. According to data from MarketBeat, the stock currently has a consensus rating of “Moderate Buy” and a consensus price target of $87.25.

Check Out Our Latest Stock Report on Synchrony Financial

Synchrony Financial Price Performance

Shares of SYF traded up $1.49 during mid-day trading on Monday, reaching $74.28. The company had a trading volume of 800,113 shares, compared to its average volume of 3,894,125. Synchrony Financial has a twelve month low of $63.08 and a twelve month high of $88.77. The company has a debt-to-equity ratio of 1.08, a current ratio of 1.22 and a quick ratio of 1.22. The company’s 50-day moving average is $76.50 and its 200-day moving average is $74.32. The company has a market capitalization of $24.17 billion, a P/E ratio of 7.61, a P/E/G ratio of 0.63 and a beta of 1.35.

Synchrony Financial (NYSE:SYF – Get Free Report) last posted its earnings results on Tuesday, July 21st. The financial services provider reported $2.59 EPS for the quarter, topping the consensus estimate of $2.14 by $0.45. The business had revenue of $3.72 billion during the quarter, compared to the consensus estimate of $3.72 billion. Synchrony Financial had a return on equity of 23.09% and a net margin of 15.44%. During the same quarter last year, the company earned $2.50 EPS. Synchrony Financial has set its FY 2026 guidance at 9.250-9.500 EPS. On average, equities analysts anticipate that Synchrony Financial will post 9.40 EPS for the current year.

Institutional Trading of Synchrony Financial

Hedge funds and other institutional investors have recently made changes to their positions in the business. BlackRock Inc. bought a new stake in Synchrony Financial during the 2nd quarter worth about $2,349,452,000. Bank of America Corp DE bought a new position in shares of Synchrony Financial in the second quarter worth about $1,122,961,000. Dimensional Fund Advisors LP raised its stake in shares of Synchrony Financial by 6.4% in the first quarter. Dimensional Fund Advisors LP now owns 6,039,753 shares of the financial services provider’s stock worth $410,760,000 after acquiring an additional 365,353 shares during the last quarter. First Trust Advisors LP raised its stake in shares of Synchrony Financial by 5.6% in the first quarter. First Trust Advisors LP now owns 5,338,110 shares of the financial services provider’s stock worth $363,098,000 after acquiring an additional 281,451 shares during the last quarter. Finally, Assetmark Inc. lifted its position in shares of Synchrony Financial by 0.9% during the first quarter. Assetmark Inc. now owns 4,338,604 shares of the financial services provider’s stock worth $295,112,000 after purchasing an additional 37,114 shares in the last quarter. 96.48% of the stock is currently owned by institutional investors and hedge funds.

Synchrony Financial Company Profile

(Get Free Report)

Synchrony Financial (NYSE: SYF) is a consumer financial services company that provides credit products and related services through partnerships with retailers, manufacturers, healthcare providers and other businesses. The company is best known for private-label credit cards and dual-use credit cards that allow consumers to finance purchases with participating brands.

Synchrony’s offerings also include promotional financing, installment loans and other consumer payment solutions. Its products support spending across areas such as retail, home improvement, consumer electronics, healthcare, automotive and lifestyle purchases.