Jim Cramer Comments on Synchrony Financial's Stock Outlook
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 6h ago
0mins
Source: Yahoo Finance
- Investment Advice: Jim Cramer explicitly stated he does not want to own Synchrony Financial (SYF) and prefers Capital One (COF), indicating a lack of confidence in SYF that may influence investor decisions.
- Stock Price Dynamics: Cramer noted Capital One's stock has pulled back from $259 to $225, showcasing its attractiveness, while SYF's stock has declined by 1.1% since the comments were made, reflecting market concerns about its outlook.
- Share Repurchase Situation: Synchrony Financial has been retiring 7% of its shares annually, which somewhat boosts earnings per share; however, Cramer believes this is insufficient to offset its lack of investment appeal, potentially leading investors to reassess its value.
- Market Comparison: While SYF has potential in credit cards and healthcare financing, analysts believe it offers less upside compared to certain AI stocks, which may carry greater upside potential and less downside risk, affecting its position in investment portfolios.
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Analyst Views on SYF
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
10 Buy
5 Hold
0 Sell
Moderate Buy
Current: 73.990
Low
83.00
Averages
94.60
High
101.00
Current: 73.990
Low
83.00
Averages
94.60
High
101.00
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.
Jim Cramer Comments on Synchrony Financial's Stock Outlook
- Investment Advice: Jim Cramer explicitly stated he does not want to own Synchrony Financial (SYF) and prefers Capital One (COF), indicating a lack of confidence in SYF that may influence investor decisions.
- Stock Price Dynamics: Cramer noted Capital One's stock has pulled back from $259 to $225, showcasing its attractiveness, while SYF's stock has declined by 1.1% since the comments were made, reflecting market concerns about its outlook.
- Share Repurchase Situation: Synchrony Financial has been retiring 7% of its shares annually, which somewhat boosts earnings per share; however, Cramer believes this is insufficient to offset its lack of investment appeal, potentially leading investors to reassess its value.
- Market Comparison: While SYF has potential in credit cards and healthcare financing, analysts believe it offers less upside compared to certain AI stocks, which may carry greater upside potential and less downside risk, affecting its position in investment portfolios.
See More
UBS Lowers Target Price for Synchrony Financial to $82 from $90
UBS Target Price Adjustment: UBS has lowered its target price for a specific financial asset from $90 to $82.
Market Implications: This adjustment may reflect changing market conditions or expectations regarding the asset's performance.
See More
Form 144: Synchrony Financial (SYF.US) Executive Plans to Sell $3.8 Million in Common Shares
Share Sale Announcement: Howse Curtis intends to sell 52,556 shares of Synchrony Financial (SYF.U.S) on February 2, with a total market value of approximately $3.8 million.
Reduction in Holdings: Since November 3, 2025, Howse Curtis has reduced his shareholding in Synchrony Financial by 12,086 shares, valued at approximately $894.61K.
See More
RBC Lowers Synchrony Price Target to $85
- Price Target Adjustment: RBC Capital analyst Jon Arfstrom lowered Synchrony's price target from $91 to $85, reflecting a cautious outlook on the company's future performance while maintaining a Sector Perform rating.
- Positive Quarterly Performance: Despite the price target reduction, the fourth quarter showed year-over-year improvements in spending volumes and credit metrics, indicating the company's resilience in the market and potentially laying the groundwork for future growth.
- Stable 2026 Outlook: The analyst noted that the outlook for 2026 is mostly consistent with recent commentary and expectations, suggesting that the company maintains stability in its long-term strategy, which may attract investor interest.
- Market Reaction Anticipation: With the price target lowered, the market may adopt a cautious stance on Synchrony's short-term performance, prompting investors to closely monitor upcoming financial reports to assess the company's recovery capabilities.
See More
Synchrony Financial Reports Mixed Q4 Results with Analyst Revisions
- Earnings Beat: Synchrony Financial reported Q4 earnings of $2.18 per share, surpassing the analyst consensus of $2.04, indicating resilience in profitability despite mixed overall sales performance.
- Sales Miss: The company posted quarterly sales of $4.761 billion, slightly below the analyst estimate of $4.769 billion, reflecting minor fluctuations in market demand that could impact future growth expectations.
- Cautious Outlook: Synchrony Financial projects FY2026 GAAP EPS between $9.10 and $9.50, below the market estimate of $9.20, indicating a cautious stance on future profitability.
- Analyst Target Adjustments: Following the earnings announcement, several analysts revised their price targets for Synchrony Financial, with BTIG lowering from $100 to $96, Barclays from $101 to $93, and RBC Capital from $91 to $85, reflecting divergent views on the company's future performance.
See More
SYNCHRONY FINANCIAL: BTIG Lowers Price Target to $96 from $100
- Target Price Adjustment: BTIG has reduced its target price for Synchrony Financial from $100 to $96.
- Market Impact: This adjustment reflects changes in market conditions and expectations for Synchrony Financial's performance.
See More
Jim Cramer Comments on Synchrony Financial's Stock Outlook
- Investment Advice: Jim Cramer explicitly stated he does not want to own Synchrony Financial (SYF) and prefers Capital One (COF), indicating a lack of confidence in SYF that may influence investor decisions.
- Stock Price Dynamics: Cramer noted Capital One's stock has pulled back from $259 to $225, showcasing its attractiveness, while SYF's stock has declined by 1.1% since the comments were made, reflecting market concerns about its outlook.
- Share Repurchase Situation: Synchrony Financial has been retiring 7% of its shares annually, which somewhat boosts earnings per share; however, Cramer believes this is insufficient to offset its lack of investment appeal, potentially leading investors to reassess its value.
- Market Comparison: While SYF has potential in credit cards and healthcare financing, analysts believe it offers less upside compared to certain AI stocks, which may carry greater upside potential and less downside risk, affecting its position in investment portfolios.
See More
UBS Lowers Target Price for Synchrony Financial to $82 from $90
UBS Target Price Adjustment: UBS has lowered its target price for a specific financial asset from $90 to $82.
Market Implications: This adjustment may reflect changing market conditions or expectations regarding the asset's performance.
See More
Form 144: Synchrony Financial (SYF.US) Executive Plans to Sell $3.8 Million in Common Shares
Share Sale Announcement: Howse Curtis intends to sell 52,556 shares of Synchrony Financial (SYF.U.S) on February 2, with a total market value of approximately $3.8 million.
Reduction in Holdings: Since November 3, 2025, Howse Curtis has reduced his shareholding in Synchrony Financial by 12,086 shares, valued at approximately $894.61K.
See More
RBC Lowers Synchrony Price Target to $85
- Price Target Adjustment: RBC Capital analyst Jon Arfstrom lowered Synchrony's price target from $91 to $85, reflecting a cautious outlook on the company's future performance while maintaining a Sector Perform rating.
- Positive Quarterly Performance: Despite the price target reduction, the fourth quarter showed year-over-year improvements in spending volumes and credit metrics, indicating the company's resilience in the market and potentially laying the groundwork for future growth.
- Stable 2026 Outlook: The analyst noted that the outlook for 2026 is mostly consistent with recent commentary and expectations, suggesting that the company maintains stability in its long-term strategy, which may attract investor interest.
- Market Reaction Anticipation: With the price target lowered, the market may adopt a cautious stance on Synchrony's short-term performance, prompting investors to closely monitor upcoming financial reports to assess the company's recovery capabilities.
See More
Synchrony Financial Reports Mixed Q4 Results with Analyst Revisions
- Earnings Beat: Synchrony Financial reported Q4 earnings of $2.18 per share, surpassing the analyst consensus of $2.04, indicating resilience in profitability despite mixed overall sales performance.
- Sales Miss: The company posted quarterly sales of $4.761 billion, slightly below the analyst estimate of $4.769 billion, reflecting minor fluctuations in market demand that could impact future growth expectations.
- Cautious Outlook: Synchrony Financial projects FY2026 GAAP EPS between $9.10 and $9.50, below the market estimate of $9.20, indicating a cautious stance on future profitability.
- Analyst Target Adjustments: Following the earnings announcement, several analysts revised their price targets for Synchrony Financial, with BTIG lowering from $100 to $96, Barclays from $101 to $93, and RBC Capital from $91 to $85, reflecting divergent views on the company's future performance.
See More
SYNCHRONY FINANCIAL: BTIG Lowers Price Target to $96 from $100
- Target Price Adjustment: BTIG has reduced its target price for Synchrony Financial from $100 to $96.
- Market Impact: This adjustment reflects changes in market conditions and expectations for Synchrony Financial's performance.
See More
