Synchrony Financial (NYSE:SYF) Shares Down 6.1% – Should You Sell?

Shares of Synchrony Financial (NYSE:SYF) were down 6.1% during mid-day trading on Tuesday . The stock traded as low as $73.22 and last traded at $72.7490. Approximately 1,848,926 shares changed hands during trading, a decline of 58% from the average daily volume of 4,418,460 shares. The stock had previously closed at $77.51.

More Synchrony Financial News

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

• Positive Sentiment: EPS beat and efficiency gains — Synchrony reported Q4 EPS above estimates and management cited improved efficiency and lower credit loss provisions, supporting profitability. Synchrony Q4 Earnings Beat Estimates on Improved Efficiency
• Positive Sentiment: Record purchase volume and BNPL pickup — Purchase volume hit a company record ($49B for Q4), with management saying buy-now-pay-later (BNPL) lifted sales without hurting card performance, signaling durable consumer spending and product mix strength. Synchrony Says BNPL Lifts Sales Without Hurting Cards
• Positive Sentiment: Credit metrics disclosed — Synchrony released December charge-off and delinquency metrics showing manageable credit performance, which reduces downside risk to reserves and earnings. Synchrony Financial Releases December 2025 Credit Performance Metrics
• Neutral Sentiment: FY2026 EPS guidance provided — Management set FY2026 EPS guidance of $9.10–$9.50 (consensus ≈ $9.34). The range centers near Street expectations but the low end is modestly conservative, leaving mixed signals for investors.
• Neutral Sentiment: Dividend announced — Synchrony declared a quarterly common dividend of $0.30/share, returning cash to shareholders but not changing near-term growth outlook. Synchrony Reports Fourth Quarter 2025 Results; Company also Announces Quarterly Common Stock Dividend of $0.30 Per Share
• Negative Sentiment: Revenue shortfall and slight top-line weakness — Revenue for the quarter missed analyst estimates ($3.79B vs. ~$3.84B) and was down year-over-year, which likely drove concern that EPS beat was partly efficiency-driven rather than growth-driven. Synchrony Financial Q4 earnings and materials
• Negative Sentiment: Shares underperformed peers into the print — Market commentary highlights SYF underperforming competitors; combined with the revenue miss and conservative guidance nuance, that contributed to the stock decline. Synchrony Financial stock underperforms Monday when compared to competitors despite daily gains

Analysts Set New Price Targets

Several brokerages have commented on SYF. Robert W. Baird lowered Synchrony Financial from a “strong-buy” rating to a “hold” rating in a report on Friday, December 5th. TD Cowen boosted their price target on shares of Synchrony Financial from $91.00 to $100.00 and gave the stock a “buy” rating in a report on Thursday, January 8th. UBS Group increased their price objective on shares of Synchrony Financial from $78.00 to $79.00 and gave the company a “neutral” rating in a report on Tuesday, October 7th. HSBC upgraded shares of Synchrony Financial from a “hold” rating to a “buy” rating and upped their price target for the stock from $73.00 to $81.00 in a research report on Friday, October 10th. Finally, BTIG Research reiterated a “buy” rating and set a $100.00 price objective on shares of Synchrony Financial in a research note on Thursday, October 16th. One investment analyst has rated the stock with a Strong Buy rating, twelve have given a Buy rating and ten have issued a Hold rating to the company. Based on data from MarketBeat.com, Synchrony Financial presently has an average rating of “Moderate Buy” and an average target price of $86.47.

Synchrony Financial Trading Down 6.3%

The stock has a market capitalization of $26.16 billion, a price-to-earnings ratio of 7.94, a PEG ratio of 0.53 and a beta of 1.43. The company has a debt-to-equity ratio of 0.91, a current ratio of 1.24 and a quick ratio of 1.24. The business has a 50 day simple moving average of $80.93 and a 200-day simple moving average of $75.64.

Synchrony Financial (NYSE:SYF) last issued its quarterly earnings data on Tuesday, January 27th. The financial services provider reported $2.04 earnings per share (EPS) for the quarter, beating the consensus estimate of $2.02 by $0.02. The business had revenue of $3.79 billion during the quarter, compared to analyst estimates of $3.84 billion. Synchrony Financial had a return on equity of 22.96% and a net margin of 15.84%.Synchrony Financial’s quarterly revenue was down .2% compared to the same quarter last year. During the same period in the previous year, the firm earned $1.91 EPS. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. As a group, equities analysts expect that Synchrony Financial will post 7.67 earnings per share for the current year.

Synchrony Financial declared that its board has authorized a share repurchase program on Wednesday, October 15th that permits the company to buyback $1.00 billion in shares. This buyback authorization permits the financial services provider to buy up to 3.7% of its shares through open market purchases. Shares buyback programs are generally an indication that the company’s leadership believes its stock is undervalued.

Insider Buying and Selling at Synchrony Financial

In other news, insider Curtis Howse sold 12,086 shares of the firm’s stock in a transaction dated Monday, November 3rd. The stock was sold at an average price of $74.02, for a total value of $894,605.72. Following the completion of the transaction, the insider owned 108,271 shares in the company, valued at $8,014,219.42. This trade represents a 10.04% decrease in their position. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. Also, Director Arthur W. Coviello, Jr. sold 8,000 shares of the stock in a transaction that occurred on Monday, November 3rd. The shares were sold at an average price of $73.93, for a total value of $591,440.00. Following the transaction, the director directly owned 35,769 shares of the company’s stock, valued at $2,644,402.17. This trade represents a 18.28% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. In the last three months, insiders sold 55,075 shares of company stock worth $4,036,892. Company insiders own 0.32% of the company’s stock.

Hedge Funds Weigh In On Synchrony Financial

Institutional investors have recently bought and sold shares of the business. Norges Bank acquired a new position in shares of Synchrony Financial during the 2nd quarter worth approximately $299,360,000. Bank of America Corp DE grew its holdings in shares of Synchrony Financial by 34.6% during the 2nd quarter. Bank of America Corp DE now owns 13,595,381 shares of the financial services provider’s stock worth $907,356,000 after purchasing an additional 3,494,741 shares in the last quarter. Assetmark Inc. increased its position in shares of Synchrony Financial by 48.3% in the third quarter. Assetmark Inc. now owns 4,349,059 shares of the financial services provider’s stock worth $309,001,000 after purchasing an additional 1,416,909 shares during the period. Voya Investment Management LLC raised its stake in Synchrony Financial by 149.4% in the third quarter. Voya Investment Management LLC now owns 1,803,690 shares of the financial services provider’s stock valued at $127,844,000 after purchasing an additional 1,080,389 shares in the last quarter. Finally, VIRGINIA RETIREMENT SYSTEMS ET Al bought a new stake in Synchrony Financial during the second quarter worth about $64,429,000. Institutional investors and hedge funds own 96.48% of the company’s stock.

Synchrony Financial Company Profile

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.