Synchrony Financial (SYF) saw a significant decline of 5.00% as it crossed below its 5-day SMA, reflecting broader market weakness with the Nasdaq-100 down 1.84% and the S&P 500 down 1.83%.
The stock's recent performance is influenced by its exclusion from the latest Motley Fool Stock Advisor's list of top 10 stocks, indicating a cautious market sentiment regarding its future growth potential. This absence suggests that investors may lack confidence in Synchrony Financial's ability to deliver compelling returns compared to previously recommended stocks like Netflix and Nvidia, which have shown remarkable gains.
As investor attention shifts away from Synchrony Financial, the company may face challenges in attracting new investments, potentially impacting its market performance and stock price further.
Wall Street analysts forecast SYF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SYF is 94.60 USD with a low forecast of 83.00 USD and a high forecast of 101.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
15 Analyst Rating
Wall Street analysts forecast SYF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SYF is 94.60 USD with a low forecast of 83.00 USD and a high forecast of 101.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
10 Buy
5 Hold
0 Sell
Moderate Buy
Current: 73.420
Low
83.00
Averages
94.60
High
101.00
Current: 73.420
Low
83.00
Averages
94.60
High
101.00
BTIG
Buy
downgrade
$100 -> $96
2026-01-28
New
Reason
BTIG
Price Target
$100 -> $96
AI Analysis
2026-01-28
New
downgrade
Buy
Reason
BTIG lowered the firm's price target on Synchrony to $96 from $100 and keeps a Buy rating on the shares. The firm expected Synchrony to be down after an inline to slightly worse 2026 guidance, though it is still surprised that shares are down 6% and believes the move lower is overly draconian, the analyst tells investors in a research note. This year does appear to be one of transition toward growth for Synchrony however and the expenses needed to get there, the firm added.
Compass Point
Dominick Gabriele
Neutral -> Buy
upgrade
$97 -> $96
2026-01-28
New
Reason
Compass Point
Dominick Gabriele
Price Target
$97 -> $96
2026-01-28
New
upgrade
Neutral -> Buy
Reason
Compass Point analyst Dominick Gabriele upgraded Synchrony to Buy from Neutral with a price target of $96, down from $97.
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JPMorgan
Neutral
downgrade
$86 -> $84
2026-01-28
New
Reason
JPMorgan
Price Target
$86 -> $84
2026-01-28
New
downgrade
Neutral
Reason
JPMorgan lowered the firm's price target on Synchrony to $84 from $86 and keeps a Neutral rating on the shares. The company spoke of a strong start to 2026 but expects no further easing in credit standards, the analyst tells investors in a research note.
TD Cowen
Moshe Orenbuch
Buy
downgrade
$100 -> $95
2026-01-28
New
Reason
TD Cowen
Moshe Orenbuch
Price Target
$100 -> $95
2026-01-28
New
downgrade
Buy
Reason
TD Cowen analyst Moshe Orenbuch lowered the firm's price target on Synchrony to $95 from $100 and keeps a Buy rating on the shares. The firm updated its model following its Q4 beat on Provisions although NII and Opex were weaker and guidance was in-line with expectations.
About SYF
Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. It offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The Company primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
