Synchrony Finl Stock (NYSE:SYF), Trade Ideas

Synchrony Finl

Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).

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Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our analyst ratings page.

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Synchrony Financial reported Q4 sales of $4.5 billion, slightly below consensus. Net interest income rose 9%, with EPS above expectations.

Synchrony Financial Efficiency Ratio Falls To 36% In Q4, Fuels Growth Engine For FY24

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BMO Capital Markets analyst James Fotheringham downgraded American Express Company (NYSE: AXP) to Underperform from Market Perform, 

Credit Concerns Spark Downgrades! American Express, Capital One, Synchrony Financial Hit By Credit Quality Doubts Analyst

Synchrony Financial

Synchrony Financial 8.25% PRF PERPETUAL USD 25 - Dep rep 1/40 Ser B

Synchrony Financial Depositary Shares, each Representing a 1/40th Interest in a Share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A

Synchrony Financial Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

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Shares of stocks in the broader financial sector are trading lower amid overall market weakness following hotter-than-expected March inflation data.

<p>Wells Fargo  analyst Donald Fandetti   maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Equal-Weight and raises the price target from $38 to $45.</p>


Wells Fargo Maintains Equal-Weight on Synchrony Finl, Raises Price Target to $45

<p>Barclays  analyst Mark Devries   maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Equal-Weight and raises the price target from $36 to $37.</p>


Barclays Maintains Equal-Weight on Synchrony Finl, Raises Price Target to $37

Synchrony Financial shares are trading higher after Wolfe Research upgraded the stock from Underperform to Outperform and raised its price target from $36 to $50.

<p>Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our <a href="https://www.benzinga.com/analyst-ratings/">analyst ratings page</a>.</p>
<ul>
<li>Goldman Sachs boosted the price target for <strong> Avis Budget Group, Inc. </strong> (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/car#NASDAQ">CAR</a>) from $118 to $130. Goldman Sachs analyst Lizzie Dove upgraded the stock from Sell to Neutral. Avis Budget shares fell 0.9% to close at $121.11 on Wednesday. <a href="https://www.benzinga.com/quote/CAR/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Evercore ISI Group increased the price target for <strong> Wayfair Inc. </strong> (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/w#NYSE">W</a>) from $65 to $80. Evercore ISI Group analyst Oliver Wintermantel upgraded the stock from In-Line to Outperform. Wayfair shares fell 2% to close at $62.41 on Wednesday. <a href="https://www.benzinga.com/quote/W/analyst-ratings">See how other analysts view this stock.</a></li>
<li>HSBC slashed <strong> Chubb Limited </strong> (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/cb#NYSE">CB</a>) price target from $275 to $270. HSBC analyst Vikram Gandhi downgraded the stock from Buy to Hold. Chubb shares fell 0.6% to close at $254.79 on Wednesday. <a href="https://www.benzinga.com/quote/CB/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Wolfe Research raised the price target for <strong> Synchrony Financial </strong> (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/syf#NYSE">SYF</a>) from $36 to $50. Wolfe Research analyst Bill Carcache upgraded the stock from Underperform to Outperform. Synchrony Financial shares rose 0.5% to close at $41.21 on Wednesday. <a href="https://www.benzinga.com/quote/SYF/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Keybanc cut <strong> Cable One, Inc. </strong> (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/cabo#NYSE">CABO</a>) price target from $900 to $881. Keybanc analyst Brandon Nispel maintained an Overweight rating. Cable One shares fell 3.1% to close at $411.20 on Wednesday. <a href="https://www.benzinga.com/quote/CABO/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>HC Wainwright &amp; Co. decreased <strong> Asensus Surgical, Inc. </strong> (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/asxc#NYSE">ASXC</a>) price target from $2 to $0.35. HC Wainwright &amp; Co. analyst Swayampakula Ramakanth downgraded the stock from Buy to Neutral. Asensus Surgical shares jumped 33.6% to close at $0.2850 on Wednesday. <a href="https://www.benzinga.com/quote/ASXC/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Telsey Advisory Group raised the price target for <strong> Levi Strauss &amp; Co. </strong> (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/levi#NYSE">LEVI</a>) from $22 to $24. Telsey Advisory Group analyst Dana Telsey maintained an Outperform rating. Levi Strauss shares fell 0.4% to close at $18.66 on Wednesday. <a href="https://www.benzinga.com/quote/LEVI/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Piper Sandler raised <strong> Dave &amp; Buster&#39;s Entertainment, Inc. </strong> (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/play#NASDAQ">PLAY</a>) price target from $50 to $71. Piper Sandler analyst Nicole Miller Regan downgraded the stock from Overweight to Neutral. Dave &amp; Buster&#39;s shares jumped 10.3% to close at $68.29 on Wednesday. <a href="https://www.benzinga.com/quote/PLAY/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Morgan Stanley cut <strong> Block, Inc. </strong> (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/sq#NYSE">SQ</a>) price target from $62 to $60. Morgan Stanley analyst James Faucette downgraded the stock from Equal-Weight to Underweight. Block shares gained 0.6% to close at $79.65 on Wednesday. <a href="https://www.benzinga.com/quote/SQ/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Telsey Advisory Group increased <strong> Signet Jewelers Limited </strong> (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/sig#NYSE">SIG</a>) price target from $100 to $110. Telsey Advisory Group analyst Dana Telsey maintained a Market Perform rating. Signet Jewelers shares climbed 9.9% to close at $104.43 on Wednesday. <a href="https://www.benzinga.com/quote/SIG/analyst-ratings">See how other analysts view this stock</a>.</li>
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<p>Check This Out: <a href="https://www.benzinga.com/news/earnings/24/04/38084045/levi-strauss-conagra-brands-and-3-stocks-to-watch-heading-into-thursday"><em> Levi Strauss, Conagra Brands And 3 Stocks To Watch Heading Into Thursday </em></a></p>


<p>Wolfe Research  analyst Bill Carcache   upgrades Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) from Underperform to Outperform and raises the price target from $36 to $50.</p>


Upgrades

Wolfe Research Upgrades Synchrony Finl to Outperform, Raises Price Target to $50

<p>JP Morgan  analyst Richard Shane   maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Neutral and raises the price target from $39 to $42.</p>


JP Morgan Maintains Neutral on Synchrony Finl, Raises Price Target to $42

<p>Throughout the last three months, 10 analysts have evaluated Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), offering a diverse set of opinions from bullish to bearish.</p>
<p>The following table summarizes their recent ratings, shedding light on the changing sentiments within the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;"><strong>Bullish</strong></th>
<th style="text-align: right;"><strong>Somewhat Bullish</strong></th>
<th style="text-align: right;"><strong>Indifferent</strong></th>
<th style="text-align: right;"><strong>Somewhat Bearish</strong></th>
<th style="text-align: right;"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">4</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $43.8, with a high estimate of $56.00 and a low estimate of $30.00. Observing a 10.19% increase, the current average has risen from the previous average price target of $39.75. </p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1711638056_0.png" alt="price target chart" /></p>
<h2>Investigating Analyst Ratings: An Elaborate Study</h2>
<p>An in-depth analysis of recent analyst actions unveils how financial experts perceive Synchrony Finl. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Raises</td>
<td>Outperform</td>
<td>$47.00</td>
<td>$45.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Outperform</td>
<td>$49.00</td>
<td>$42.00</td>
</tr>
<tr>
<td>Mihir Bhatia</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Neutral</td>
<td>$43.00</td>
<td>$41.00</td>
</tr>
<tr>
<td>Jeffrey Adelson</td>
<td>Morgan Stanley</td>
<td>Announces</td>
<td>Underweight</td>
<td>$30.00</td>
<td>-</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$46.00</td>
<td>$40.00</td>
</tr>
<tr>
<td>Betsy Graseck</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Underweight</td>
<td>$30.00</td>
<td>$29.00</td>
</tr>
<tr>
<td>Kevin Barker</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$48.00</td>
<td>$46.00</td>
</tr>
<tr>
<td>Arren Cyganovich</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Buy</td>
<td>$47.00</td>
<td>$40.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$42.00</td>
<td>$35.00</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Deutsche Bank</td>
<td>Announces</td>
<td>Buy</td>
<td>$56.00</td>
<td>-</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Synchrony Finl. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of Synchrony Finl compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts predict movements in price targets, offering estimates for Synchrony Finl's future value. Examining the current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
<p>Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into Synchrony Finl's market standing. Stay informed and make well-considered decisions with our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/SYF/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Synchrony Finl analyst ratings.</strong></a></p>
<h2>Delving into Synchrony Finl's Background</h2>
<p>Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).</p>
<h3>Financial Insights: Synchrony Finl</h3>
<p><strong>Market Capitalization Analysis:</strong> With an elevated market capitalization, the company stands out above industry averages, showcasing substantial size and market acknowledgment.</p>
<p><strong>Positive Revenue Trend:</strong> Examining Synchrony Finl's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of <strong>18.3%</strong> as of 31 December, 2023, showcasing a substantial increase in top-line earnings. When compared to others in the Financials sector, the company excelled with a growth rate higher than the average among peers.</p>
<p><strong>Net Margin:</strong> Synchrony Finl's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of <strong>11.72%,</strong> the company showcases strong profitability and effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of <strong>3.27%,</strong> the company showcases effective utilization of equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> Synchrony Finl's ROA stands out, surpassing industry averages. With an impressive ROA of <strong>0.37%</strong>, the company demonstrates effective utilization of assets and strong financial performance.</p>
<p><strong>Debt Management:</strong> Synchrony Finl's debt-to-equity ratio is below the industry average at <strong>1.21</strong>, reflecting a lower dependency on debt financing and a more conservative financial approach.</p>
<h2>Analyst Ratings: Simplified</h2>
<p>Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.</p>
<p>Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Assessing Synchrony Finl: Insights From 10 Financial Analysts

<p>Evercore ISI Group  analyst John Pancari   maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Outperform and raises the price target from $45 to $47.</p>


Evercore ISI Group Maintains Outperform on Synchrony Finl, Raises Price Target to $47

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CRBG

FITB

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Shares of companies in the broader financial services sector are trading higher after the Fed left rates unchanged.

<p>Synchrony links Synchrony Mastercard to Skipify&#39;s Connected Wallet to provide friction-free shopping experience for cardholders, wherever they shop.</p>
<p>SAN FRANCISCO, March 13, 2024 /PRNewswire/ -- Skipify, a leading financial technology company redefining the checkout experience, today announced its partnership with Synchrony (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), a leading consumer finance company with more than 70M active customer accounts across the US. The technology partnership leverages Skipify&#39;s payment infrastructure to provide simplified and enhanced checkout for Synchrony cardholders, improving the experience for shoppers and delivering higher authorization rates, conversion, and security for Synchrony merchants.</p>
<p>As part of the partnership, Skipify, a <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4114201-1&amp;h=1555745443&amp;u=https%3A%2F%2Fwww.synchrony.com%2Fabout-us%2Fventures&amp;a=Synchrony+Ventures">Synchrony Ventures</a>&nbsp;portfolio company, will add Synchrony Mastercard to its Connected Wallet product, a digital wallet embedded by merchants to ease many checkout challenges. Skipify&#39;s identity-powered wallet recognizes Synchrony cardholders on a merchant&#39;s website automatically, autofilling payment details, surfacing available cards, and offering instant access to points, rewards, and Synchrony financing.</p>
<p>&quot;Skipify is becoming a valuable platform for merchants who are focused on providing an elevated user experience and embedded payment credentials,&quot; said Florin Arghirescu, Chief Product Officer&nbsp;of Synchrony. &quot;We&#39;re excited to bring our joint offering to market and make it easier for Synchrony Mastercard cardholders to make purchases online, with the intent to scale availability to the full suite of Synchrony financing options.&quot;</p>
<p>&quot;Synchrony continues to invest in innovation and technology that moves the needle for their merchants and cardholders,&quot; said Ryth Martin, Founder and CEO of Skipify. &quot;Synchrony&#39;s integration and partnership with Skipify directly reduces the technical lift and effort for their merchants to throttle up transactions and conversion rates through Skipify. Synchrony cardholders can now breeze through checkout on any Skipify merchant site.&quot;</p>
<p>Skipify and Synchrony will be co-hosting an event to elaborate on the news further at Shoptalk, the leading retail and technology industry event in Las Vegas, March 17-20, 2024.&nbsp;To request an invite to the event, contact <a href="mailto:20synchronyevents@syf.com">Synchrony Events</a>.</p>


Skipify and Synchrony Enter Into Strategic Partnership To Simplify And Enhance Online Checkout

<p>JMP Securities  analyst David Scharf   maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Outperform and raises the price target from $42 to $49.</p>


JMP Securities Maintains Outperform on Synchrony Finl, Raises Price Target to $49

<p>B of A Securities  analyst Mihir Bhatia   maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Neutral and raises the price target from $41 to $43.</p>


B of A Securities Maintains Neutral on Synchrony Finl, Raises Price Target to $43

<p>Throughout the last three months, 9 analysts have evaluated Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), offering a diverse set of opinions from bullish to bearish.</p>
<p>The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;"><strong>Bullish</strong></th>
<th style="text-align: right;"><strong>Somewhat Bullish</strong></th>
<th style="text-align: right;"><strong>Indifferent</strong></th>
<th style="text-align: right;"><strong>Somewhat Bearish</strong></th>
<th style="text-align: right;"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $40.89, with a high estimate of $56.00 and a low estimate of $29.00. This upward trend is apparent, with the current average reflecting a 13.58% increase from the previous average price target of $36.00.</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1709737243_0.png" alt="price target chart" /></p>
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
<p>An in-depth analysis of recent analyst actions unveils how financial experts perceive Synchrony Finl. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Jeffrey Adelson</td>
<td>Morgan Stanley</td>
<td>Announces</td>
<td>Underweight</td>
<td>$30.00</td>
<td>-</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$46.00</td>
<td>$40.00</td>
</tr>
<tr>
<td>Betsy Graseck</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Underweight</td>
<td>$30.00</td>
<td>$29.00</td>
</tr>
<tr>
<td>Kevin Barker</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$48.00</td>
<td>$46.00</td>
</tr>
<tr>
<td>Arren Cyganovich</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Buy</td>
<td>$47.00</td>
<td>$40.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$42.00</td>
<td>$35.00</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Deutsche Bank</td>
<td>Announces</td>
<td>Buy</td>
<td>$56.00</td>
<td>-</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$40.00</td>
<td>$35.00</td>
</tr>
<tr>
<td>Betsy Graseck</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Underweight</td>
<td>$29.00</td>
<td>$27.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Synchrony Finl. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Synchrony Finl compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts navigate through adjustments in price targets, providing estimates for Synchrony Finl's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
<p>Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Synchrony Finl's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/SYF/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Synchrony Finl analyst ratings.</strong></a></p>
<h2>All You Need to Know About Synchrony Finl</h2>
<p>Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).</p>
<h3>Understanding the Numbers: Synchrony Finl's Finances</h3>
<p><strong>Market Capitalization Analysis:</strong> The company's market capitalization is above the industry average, indicating that it is relatively larger in size compared to peers. This may suggest a higher level of investor confidence and market recognition.</p>
<p><strong>Revenue Growth:</strong> Over the 3 months period, Synchrony Finl showcased positive performance, achieving a revenue growth rate of <strong>18.3%</strong> as of 31 December, 2023. This reflects a substantial increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.</p>
<p><strong>Net Margin:</strong> Synchrony Finl's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive <strong>11.72%</strong> net margin, the company effectively manages costs and achieves strong profitability.</p>
<p><strong>Return on Equity (ROE):</strong> Synchrony Finl's ROE excels beyond industry benchmarks, reaching <strong>3.27%</strong>. This signifies robust financial management and efficient use of shareholder equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> Synchrony Finl's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of <strong>0.37%,</strong> the company may face hurdles in achieving optimal financial performance.</p>
<p><strong>Debt Management:</strong> With a below-average debt-to-equity ratio of <strong>1.21</strong>, Synchrony Finl adopts a prudent financial strategy, indicating a balanced approach to debt management.</p>
<h2>How Are Analyst Ratings Determined?</h2>
<p>Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.</p>
<p>Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Breaking Down Synchrony Finl: 9 Analysts Share Their Views

<p>Oppenheimer  analyst Dominick Gabriele   maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) from Perform to Perform.</p>


Oppenheimer Maintains Perform on Synchrony Finlto Perform

<p>Ratings for Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) were provided by 8 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.</p>
<p>The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;"><strong>Bullish</strong></th>
<th style="text-align: right;"><strong>Somewhat Bullish</strong></th>
<th style="text-align: right;"><strong>Indifferent</strong></th>
<th style="text-align: right;"><strong>Somewhat Bearish</strong></th>
<th style="text-align: right;"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $40.88, along with a high estimate of $56.00 and a low estimate of $30.00. This upward trend is apparent, with the current average reflecting a 10.49% increase from the previous average price target of $37.00.</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1707415241_0.png" alt="price target chart" /></p>
<h2>Understanding Analyst Ratings: A Comprehensive Breakdown</h2>
<p>The standing of Synchrony Finl among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Jeffrey Adelson</td>
<td>Morgan Stanley</td>
<td>Announces</td>
<td>Underweight</td>
<td>$30.00</td>
<td>-</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$46.00</td>
<td>$40.00</td>
</tr>
<tr>
<td>Betsy Graseck</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Underweight</td>
<td>$30.00</td>
<td>$29.00</td>
</tr>
<tr>
<td>Kevin Barker</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$48.00</td>
<td>$46.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$42.00</td>
<td>$35.00</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Deutsche Bank</td>
<td>Announces</td>
<td>Buy</td>
<td>$56.00</td>
<td>-</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$40.00</td>
<td>$35.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Maintains</td>
<td>Market Outperform</td>
<td>$35.00</td>
<td>-</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Synchrony Finl. This offers insight into analysts' perspectives on the current state of the company.</li>
<li><strong>Rating:</strong> Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Synchrony Finl compared to the broader market.</li>
<li><strong>Price Targets:</strong> Gaining insights, analysts provide estimates for the future value of Synchrony Finl's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
<p>Capture valuable insights into Synchrony Finl's market standing by understanding these analyst evaluations alongside pertinent financial indicators. Stay informed and make strategic decisions with our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/SYF/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Synchrony Finl analyst ratings.</strong></a></p>
<h2>All You Need to Know About Synchrony Finl</h2>
<p>Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).</p>
<h3>A Deep Dive into Synchrony Finl's Financials</h3>
<p><strong>Market Capitalization Analysis:</strong> With an elevated market capitalization, the company stands out above industry averages, showcasing substantial size and market acknowledgment.</p>
<p><strong>Revenue Growth:</strong> Synchrony Finl displayed positive results in 3 months. As of 31 December, 2023, the company achieved a solid revenue growth rate of approximately <strong>5.29%</strong>. This indicates a notable increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.</p>
<p><strong>Net Margin:</strong> Synchrony Finl's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of <strong>11.72%,</strong> the company showcases strong profitability and effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Synchrony Finl's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of <strong>3.27%,</strong> the company may face hurdles in achieving optimal financial performance.</p>
<p><strong>Return on Assets (ROA):</strong> Synchrony Finl's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of <strong>0.37%,</strong> the company may face hurdles in generating optimal returns from its assets.</p>
<p><strong>Debt Management:</strong> Synchrony Finl's debt-to-equity ratio is below the industry average. With a ratio of <b>1.21</b>, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.</p>
<h2>Analyst Ratings: What Are They?</h2>
<p>Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.</p>
<p>Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


What 8 Analyst Ratings Have To Say About Synchrony Finl

<p>Morgan Stanley  analyst Jeffrey Adelson   assumes Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Underweight rating and announces Price Target of $30.</p>


Initiation

Morgan Stanley Assumes Synchrony Finl at Underweight, Announces Price Target of $30

<p>Thursday marks the last chance for investors to receive the next  dividend payout from <strong>Synchrony Finl</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>). </p>
<h3>What's Happening</h3>
<p>The company announced on Wednesday that it would pay shareholders a quarterly dividend of 25 cents per share. On Friday, Synchrony Finl will go ex-dividend, meaning the stock will trade lower to reflect that payout. In other words, the stock will likely open 25 cents lower than it would have opened on any other day.</p>
<p>In order to be eligible to receive a company's dividend, shareholders must own the stock prior to the ex-dividend date—in this case, Friday. Shareholders who own SYF as of the end of Thursday's session are eligible to receive the 25 cents dividend payout for every share that they own. </p>
<p>According to the company, this dividend will be paid out to shareholders on February 15, 2024. Investors will then be able to either reinvest those dividends back into the stock or use the payment in some other way. </p>
<p><a href="https://www.benzinga.com/quote/SYF">Track real-time stock fluctuations for Synchrony Finl on Benzinga.</a></p>


Dividends

Thursday Is Your Last Chance To Buy Synchrony Finl Before The Dividend Payout

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<p>The Biden administration has formally proposed a new plan for student loan forgiveness to assist millions of borrowers. The plan was created after the U.S. Supreme Court invalidated President Biden&rsquo;s initial wide-scale loan cancellation effort. It is designed to target and adhere to the regulatory process more. This development has led to some top student loan stocks to buy.</p>



<p>Borrowers of any income level could receive up to $20,000 in cancellation for the unpaid interest portion of their debt. Thus, significant relief from their loans could improve borrowers&rsquo; financial health. This could positively affect the performance of these student loan stocks. These companies could be attractive to borrowers who have had a portion of their loans forgiven and wish to manage their reduced debt load.</p>



<p>So, with this backdrop in mind, here are three of the best student loan stocks for investors to consider adding to their watch list in April.</p>



<h2>SoFi Technologies (SOFI)</h2>



<div><img width="300" height="169" src="https://investorplace.com/wp-content/uploads/2022/10/silhouette-sofi-1600-300x169.jpg" alt="Silhouette of person holding mobile phone with SoFi (SOFI) logo shown in background"><div>Source: shutterstock.com/rafapress</div></div><p><strong>SoFi Technologies</strong> (NASDAQ:<span><a href="https://investorplace.com/stock-quotes/sofi-stock-quote/"><strong>SOFI</strong></a></span>) is significantly engaged in the student loan sector. Refinancing options are a core part of its business model. For 2024, SOFI projects GAAP net income to be $95 million to $105 million.</p>



<p>As <em>Investorplace&rsquo;s </em>Larry Ramer outlined last October, <a href="https://investorplace.com/2023/10/student-loans-are-taking-sofi-stock-higher/">SOFI&rsquo;s student loan segment has shown significant growth</a>, especially following the end of the student loan moratorium, which reinvigorated loan repayments.</p>



<p>This resumption of student loan payments led to a substantial increase in SOFI&rsquo;s revenues from this segment, as evidenced by a 101% year-over-year rise in the value of the company&rsquo;s student loans to $919 million in the third quarter of 2023.</p>



<p>Note that SOFI loans and other student loan stocks are private and not federal. Thus, Biden&rsquo;s plans are not expected to affect them directly.</p>



<p>However, the effect could be indirect instead. A large number of students are significantly more deleveraged and can take on more debt in the future from companies like SOFI.</p>



<h2>Synchrony Financial (SYF)</h2>



<a href="https://investorplace.com/wp-content/uploads/2019/08/Synchrony1600.jpg"><img width="300" height="144" src="https://investorplace.com/wp-content/uploads/2019/08/Synchrony1600-300x144.jpg" alt=""></a><p><strong>Synchrony Financia</strong>l (NYSE:<span><a href="https://investorplace.com/stock-quotes/syf-stock-quote/"><strong>SYF</strong></a></span>) specializes in consumer financial services, including a wide range of credit products such as private label credit cards, dual cards and installment loans. The company partners with major retailers, often providing young consumers with financing options for significant purchases like electronics, furniture and healthcare.&nbsp;</p>



<p>Since my thesis is about the indirect effect of federal loan forgiveness, namely that younger generations will have more disposable income, SYF is a strong pick to capitalize on this leftover credit vacuum.</p>



<p>SYF <a href="https://www.investing.com/news/stock-market-news/earnings-call-synchrony-financial-sees-strong-q4-sets-2024-outlook-93CH-3282325">demonstrated strong financial performance</a>, reporting Q4 net earnings of $440 million and a total net income of $2.2 billion. The company saw significant growth in purchase volumes, which hit a record $185 billion. For 2024, SYF has set optimistic projections with expected loan receivables growth of 6% to 8%. Net interest income between $17.5 billion and $18.5 billion is projected.</p>



<h2>Upstart Holdings (UPST)</h2>



<div><img width="300" height="169" src="https://investorplace.com/wp-content/uploads/2023/05/upst1600-300x169.png" alt="Person holding smartphone with logo of U.S. fintech company Upstart Network Inc. (UPST) on screen in front of website. Focus on phone display. Unmodified photo."><div>Source: T. Schneider / Shutterstock.com</div></div><p><strong>Upstart Holdings</strong> (NASDAQ:<span><a href="https://investorplace.com/stock-quotes/upst-stock-quote/"><strong>UPST</strong></a></span>) uses sophisticated AI models to assess applicants&rsquo; creditworthiness. Borrowers whom traditional credit scoring methods might overlook are often approved.</p>



<p>The single-income cut-off limit of $120,000 per year aligns closely with UPST&rsquo;s business model. Upstart&rsquo;s model is particularly appealing to younger borrowers without extensive credit histories but stable incomes. This makes them potentially good candidates for personal loans and credit products.</p>



<p>With the average student loan payment of around $500, companies like UPST are positioned to fill that gap. Especially since its main competitive position is to play a matchmaker between consumers without extensive credit, such as recent former students.</p>



<p>Analysts are also bullish on UPST for the foreseeable future, with <a href="https://stockanalysis.com/stocks/upst/forecast/">substantial EPS and revenue forecasts</a> on the cards. This makes this company one of those student loan stocks for investors to consider.</p>



<p><em>On the date of publication, Matthew Farley did not have (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed are those of the writer, subject to the InvestorPlace.com <a href="https://investorplace.com/corporate/investorplace-publishing-guidelines/">Publishing Guidelines</a>.</em></p>
<div><p>Matthew started writing coverage of the financial markets during the crypto boom of 2017 and was also a team member of several fintech startups. He then started writing about Australian and U.S. equities for various publications. His work has appeared in MarketBeat, FXStreet, Cryptoslate, Seeking Alpha, and the New Scientist magazine, among others.</p></div><h3>More From InvestorPlace</h3>
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<p>The post <a href="https://investorplace.com/2024/04/load-up-on-these-3-student-loan-stock-plays-if-biden-beats-the-courts/">Load Up on These 3 Student Loan Stock Plays if Biden Beats the Courts </a> appeared first on <a href="https://investorplace.com">InvestorPlace</a>.</p>

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