Truist Securities Recommendation: Truist Securities has maintained a "Hold" recommendation for Synchrony Financial (NYSE:SYF) as of October 17, 2025, with an average one-year price target of $83.11/share, indicating a potential upside of 16.23% from its current price of $71.50/share.
Institutional Ownership Trends: There has been a 3.04% increase in the number of funds reporting positions in Synchrony Financial, with total shares owned by institutions rising by 1.32% to 460,454K shares, while the put/call ratio of 1.12 suggests a bearish outlook.
SYF
$83.33+Infinity%1D
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 85.08 USD with a low forecast of 75.00 USD and a high forecast of 100.00 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.
16 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 85.08 USD with a low forecast of 75.00 USD and a high forecast of 100.00 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.
11 Buy
5 Hold
0 Sell
Moderate Buy
Current: 84.220
Low
75.00
Averages
85.08
High
100.00
Current: 84.220
Low
75.00
Averages
85.08
High
100.00
Wolfe Research
Outperform
initiated
$92
2025-12-08
Reason
Wolfe Research
Price Target
$92
2025-12-08
initiated
Outperform
Reason
Wolfe Research assumed coverage of Synchrony with an Outperform rating and $92 price target. The firm believes the company's unwinding credit tightening actions and its new partnerships should allow it to return to growth in 2026. A growth inflection next will be a catalyst for the shares, the analyst tells investors in a research note.
Baird
Outperform
to
Neutral
downgrade
$82
2025-12-05
Reason
Baird
Price Target
$82
2025-12-05
downgrade
Outperform
to
Neutral
Reason
Baird downgraded Synchrony to Neutral from Outperform with an unchanged price target of $82. While Synchrony is a high quality bank, its lower end consumer exposure "makes it tough to chase" the shares after the recent rally, the analyst tells investors in a research note. The firm believe Synchrony's potential upside from a "benign" credit environment versus potential downside if U.S. economic trends continue to soften is now more balanced.
Truist
Hold
downgrade
$82 -> $78
2025-10-17
Reason
Truist
Price Target
$82 -> $78
2025-10-17
downgrade
Hold
Reason
Truist lowered the firm's price target on Synchrony to $78 from $82 and keeps a Hold rating on the shares as part of a broader research note on Regional Banks / Consumer Finance names. The firm is updating its models following their Q3 results and updated guidance, noting the companies' expectations for higher net interest margins and growth in core lending rates, but also citing the sector re-rating down from broader credit concerns, the analyst tells investors in a research note.
Deutsche Bank
Buy
maintain
$91 -> $95
2025-10-16
Reason
Deutsche Bank
Price Target
$91 -> $95
2025-10-16
maintain
Buy
Reason
Deutsche Bank raised the firm's price target on Synchrony to $95 from $91 and keeps a Buy rating on the shares post the Q3 report. The market gained comfort that the company's revenue growth will return with credit remaining benign, the analyst tells investors in a research note.
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.
