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Synchrony Financial (NYSE:SYF) Stock, Rapport sur les intérêts à découvert

Synchrony Financial

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).

AB Active ETFs, Inc. AB Short Duration High Yield ETF

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

Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) reported <a href="https://www.benzinga.com/pressreleases/25/04/n44917026/synchrony-reports-first-quarter-2025-results-company-also-announces-quarterly-common-stock-dividen">first-quarter FY25 revenue growth of 1.3%</a> year-on-year to $4.46 billion, missing the analyst consensus estimate of $4.46 billion.
Net revenue <a href="https://d1io3yog0oux5.cloudfront.net/_56eb5ce702fafb8ad9e0b0b36ad89437/synchrony/db/3606/33854/earnings_release/Earnings+Press+Release+with+Financial+Tables+%281Q%2725%29.pdf">decreased&nbsp;22.5%&nbsp;Y/Y to&nbsp;$3.72 billion</a>, while net interest margin improved&nbsp;19 basis points to 14.74% in the quarter.
Period-end loan receivables declined&nbsp;2%&nbsp;Y/Y to&nbsp;$99.6 billion, and purchase volume declined&nbsp;4% Y/Y&nbsp;to&nbsp;$40.7 billion in the quarter.
Interest and fees on loans remained flat to the prior year at $5.3 billion as growth in loan receivables yield, primarily reflecting the impact of product, pricing, and policy changes (PPPCs), was offset by a combination of lower benchmark rates and lower late fee incidence.
Synchrony&#8217;s average active accounts declined 3% Y/Y to 69.3 million, and deposits fell 0.1% Y/Y to $83.4 billion in the quarter.
SYF returned $697 million in capital to shareholders, including $600 million of share repurchases and $97 million of common stock dividends.
Provision for credit losses was $1.5 billion, a decrease of $393 million driven by a reserve release of $97 million versus a reserve build of $299 million in the prior year.
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Net earnings decreased 41% Y/Y to $757 million. The company reported EPS of&nbsp;$1.89, <a href="https://www.benzinga.com/earnings">beating the consensus</a> estimate of $1.64.
Synchrony&#8217;s return on assets decreased by 190 basis points to 2.5% and the efficiency ratio improved 830 basis points to 33.4%.
The estimated Common Equity Tier 1 ratio was&nbsp;13.2% compared to 12.6%&nbsp;in the prior year, and the estimated Tier 1 Capital ratio was&nbsp;14.4% compared to 13.8%&nbsp;in the prior year.
During the quarter, Synchrony renewed or added more than 10 partners, including Ashley, Discount Tire, American Eagle, Sun Country, and Texas A&amp;M Veterinary Hospital.
The company&#8217;s Board of Directors increased the quarterly cash dividend by 20% to $0.30 per share, payable on&nbsp;May 15, 2025&nbsp;to holders of record at the close of business on&nbsp;May 5, 2025.
The Board also approved a share repurchase program of up to $2.5 billion, starting in the second quarter of 2025 and running through June 30, 2026. 
Brian Doubles, Synchrony&#8217;s executive vice president and chief financial officer, stated, "During the quarter, Synchrony continued to leverage our core strengths – our proprietary data, our sophisticated credit underwriting, our diversified product suite and distribution channels, and our strong execution – to empower our approximately 70 million customers with prudent financial flexibility and enduring value, while also delivering loyalty and sales to the many partners, providers and small businesses that form the foundation of our economy.&#8221;
FY25&nbsp;Outlook:&nbsp;Synchrony reaffirmed revenue guidance of $15.20 billion &#8211; $15.70 billion with an estimate of $18.73 billion.
Price Action: SYF shares are trading higher by 0.87% at $47.68 at last check on Tuesday.
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Photo: Shutterstock

News

General

Synchrony Financial Q1: Earnings Beat, Lower Purchase Volume, Active Accounts Decline And More

Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) affirms FY2025 sales outlook from $15.20 billion-$15.70 billion to $15.20 billion-$15.70 billion vs $18.73 billion estimate.

Guidance

Synchrony Financial Affirms FY2025 Net revenue Guidance of $15.20B-$15.70B vs $18.73B Est

Dividends

Buybacks

Synchrony Financial Board Approved Up To $2.5B Share Repurchase Program; Co. Also Raised Quarterly Dividend From $0.25 To $0.30/Share

Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) reported quarterly earnings of $1.89 per share which beat the analyst consensus estimate of $1.64 by 15.24 percent. This is a 60.17 percent increase over earnings of $1.18 per share from the same period last year. The company reported quarterly sales of $4.46 billion which missed the analyst consensus estimate of $4.56 billion by 2.11 percent. This is a 1.34 percent increase over sales of $4.41 billion the same period last year.

Earnings

Earnings Beats

Earnings Misses

Synchrony Finl Q1 GAAP EPS $1.89 Beats $1.64 Estimate, Sales $4.46B Miss $4.56B Estimate

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Earnings Scheduled For April 22, 2025

Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) is set to give its latest quarterly earnings report on Tuesday, 2025-04-22. Here's what investors need to know before the announcement.
Analysts estimate that Synchrony Finl will report an earnings per share (EPS) of $1.67. 
The market awaits Synchrony Finl's announcement, with hopes high for news of surpassing estimates and providing upbeat guidance for the next quarter.
It's important for new investors to understand that guidance can be a significant driver of stock prices.
<h3>Earnings Track Record</h3>
Last quarter the company missed EPS by $0.01, which was followed by a 3.17% increase in the share price the next day.
Here's a look at Synchrony Finl's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q4 2024</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>1.92</td>
<td>1.79</td>
<td>1.35</td>
<td>1.35</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>1.91</td>
<td>1.94</td>
<td>1.55</td>
<td>1.18</td>
</tr>
<tr>
<td>Price Change %</td>
<td>3.0%</td>
<td>0.0%</td>
<td>-3.0%</td>
<td>-1.0%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2025/1745251281_0.png" alt="eps graph" />
<h3>Stock Performance</h3>
Shares of Synchrony Finl were trading at $47.87 as of April 18. Over the last 52-week period, shares are up 8.48%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release. 
<h3>Analyst Opinions on Synchrony Finl</h3>
Understanding market sentiments and expectations within the industry is crucial for investors. This analysis delves into the latest insights on Synchrony Finl.
The consensus rating for Synchrony Finl is Neutral, based on 9 analyst ratings. With an average one-year price target of $67.11, there's a potential 40.19% upside.
<h3>Comparing Ratings with Competitors</h3>
The following analysis focuses on the analyst ratings and average 1-year price targets of FirstCash Hldgs and Enova International, three prominent industry players, providing insights into their relative performance expectations and market positioning.
<ul>
<li>Analysts currently favor an Outperform trajectory for FirstCash Hldgs, with an average 1-year price target of $137.0, suggesting a potential 186.19% upside.</li>
<li>Analysts currently favor an Buy trajectory for Enova International, with an average 1-year price target of $134.5, suggesting a potential 180.97% upside.</li>
</ul>
<h3>Peer Metrics Summary</h3>
The peer analysis summary provides a snapshot of key metrics for FirstCash Hldgs and Enova International, illuminating their respective standings within the industry. These metrics offer valuable insights into their market positions and comparative performance.

<table>
<thead>
<tr>
<th>Company</th>
<th>Consensus</th>
<th>Revenue Growth</th>
<th>Gross Profit</th>
<th>Return on Equity</th>
</tr>
</thead>
<tbody>
<tr>
<td>Credit Acceptance</td>
<td>Neutral</td>
<td>14.89%</td>
<td>$351.10M</td>
<td>8.95%</td>
</tr>
<tr>
<td>FirstCash Hldgs</td>
<td>Outperform</td>
<td>3.72%</td>
<td>$433.69M</td>
<td>4.12%</td>
</tr>
<tr>
<td>Enova International</td>
<td>Buy</td>
<td>25.01%</td>
<td>$336.05M</td>
<td>5.36%</td>
</tr>
</tbody>
</table>

Key Takeaway:
Synchrony Financial ranks in the middle among its peers for Consensus rating. It is at the top for Revenue Growth, indicating strong performance in this area. In terms of Gross Profit, Synchrony Financial is at the top compared to its peers. However, for Return on Equity, it is at the bottom among the group.
<h3>About Synchrony Finl</h3>
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).
<h3>Unraveling the Financial Story of Synchrony Finl</h3>
Market Capitalization: Boasting an elevated market capitalization, the company surpasses industry averages. This signals substantial size and strong market recognition.
Revenue Growth: Synchrony Finl displayed positive results in 3 months. As of 31 December, 2024, the company achieved a solid revenue growth rate of approximately 3.88%. This indicates a notable increase in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of 19.81%, the company showcases strong profitability and effective cost control.
Return on Equity (ROE): Synchrony Finl's ROE stands out, surpassing industry averages. With an impressive ROE of 5.0%, the company demonstrates effective use of equity capital and strong financial performance.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.63%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: With a below-average debt-to-equity ratio of 1.01, Synchrony Finl adopts a prudent financial strategy, indicating a balanced approach to debt management.
<a href="https://www.benzinga.com/quote/SYF/earnings">To track all earnings releases for Synchrony Finl visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Preview: Synchrony Finl's Earnings

This whale alert can help traders discover the next big trading opportunities.
Whales are entities with large sums of money and we track their transactions here at Benzinga on our options activity scanner.
Traders often look for circumstances when the market estimation of an option diverges away from its normal worth. Abnormal amounts of trading activity could push option prices to hyperbolic or underperforming levels. 
Here's the list of options activity happening in today's session: 
<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th>Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>HOOD</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>04/17/25</td>
<td>$40.00</td>
<td>$46.8K</td>
<td>7.3K</td>
<td>9.7K</td>
</tr>
<tr>
<td>PYPL</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>06/20/25</td>
<td>$70.00</td>
<td>$72.4K</td>
<td>15.2K</td>
<td>5.1K</td>
</tr>
<tr>
<td>BAC</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>04/17/25</td>
<td>$36.00</td>
<td>$39.6K</td>
<td>2.7K</td>
<td>3.2K</td>
</tr>
<tr>
<td>ALLY</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>06/20/25</td>
<td>$35.00</td>
<td>$260.5K</td>
<td>8.7K</td>
<td>2.0K</td>
</tr>
<tr>
<td>WFC</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>06/20/25</td>
<td>$67.50</td>
<td>$89.7K</td>
<td>4.5K</td>
<td>744</td>
</tr>
<tr>
<td>SYF</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>04/17/25</td>
<td>$45.00</td>
<td>$59.2K</td>
<td>146</td>
<td>592</td>
</tr>
<tr>
<td>COIN</td>
<td>CALL</td>
<td>TRADE</td>
<td>NEUTRAL</td>
<td>04/17/25</td>
<td>$165.00</td>
<td>$31.6K</td>
<td>631</td>
<td>486</td>
</tr>
<tr>
<td>C</td>
<td>PUT</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>09/19/25</td>
<td>$32.50</td>
<td>$28.9K</td>
<td>219</td>
<td>350</td>
</tr>
<tr>
<td>V</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>06/20/25</td>
<td>$360.00</td>
<td>$43.5K</td>
<td>7.9K</td>
<td>278</td>
</tr>
<tr>
<td>BN</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>07/18/25</td>
<td>$55.00</td>
<td>$50.3K</td>
<td>825</td>
<td>272</td>
</tr>
</tbody>
</table>

<h2>Explanation</h2>
These itemized elaborations have been created using the accompanying table. 
• Regarding HOOD (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HOOD#NASDAQ">HOOD</a>), we observe a call option trade with bullish sentiment. It expires in 7 day(s) on April 17, 2025. Parties traded 200 contract(s) at a $40.00 strike. The total cost received by the writing party (or parties) was $46.8K, with a price of $234.0 per contract. There were 7341 open contracts at this strike prior to today, and today 9779 contract(s) were bought and sold. 
• For PYPL (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>), we notice a call option trade that happens to be bearish, expiring in 71 day(s) on June 20, 2025. This event was a transfer of 400 contract(s) at a $70.00 strike. The total cost received by the writing party (or parties) was $72.4K, with a price of $181.0 per contract. There were 15288 open contracts at this strike prior to today, and today 5198 contract(s) were bought and sold. 
• For BAC (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>), we notice a call option sweep that happens to be bullish, expiring in 7 day(s) on April 17, 2025. This event was a transfer of 300 contract(s) at a $36.00 strike. This particular call needed to be split into 5 different trades to become filled. The total cost received by the writing party (or parties) was $39.6K, with a price of $132.0 per contract. There were 2719 open contracts at this strike prior to today, and today 3215 contract(s) were bought and sold. 
• For ALLY (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>), we notice a put option sweep that happens to be bearish, expiring in 71 day(s) on June 20, 2025. This event was a transfer of 501 contract(s) at a $35.00 strike. This particular put needed to be split into 36 different trades to become filled. The total cost received by the writing party (or parties) was $260.5K, with a price of $520.0 per contract. There were 8758 open contracts at this strike prior to today, and today 2000 contract(s) were bought and sold. 
• For WFC (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>), we notice a call option sweep that happens to be bullish, expiring in 71 day(s) on June 20, 2025. This event was a transfer of 299 contract(s) at a $67.50 strike. This particular call needed to be split into 6 different trades to become filled. The total cost received by the writing party (or parties) was $89.7K, with a price of $300.0 per contract. There were 4595 open contracts at this strike prior to today, and today 744 contract(s) were bought and sold. 
• For SYF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), we notice a put option sweep that happens to be bullish, expiring in 7 day(s) on April 17, 2025. This event was a transfer of 311 contract(s) at a $45.00 strike. This particular put needed to be split into 14 different trades to become filled. The total cost received by the writing party (or parties) was $59.2K, with a price of $195.0 per contract. There were 146 open contracts at this strike prior to today, and today 592 contract(s) were bought and sold. 
• For COIN (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COIN#NASDAQ">COIN</a>), we notice a call option trade that happens to be neutral, expiring in 7 day(s) on April 17, 2025. This event was a transfer of 35 contract(s) at a $165.00 strike. The total cost received by the writing party (or parties) was $31.6K, with a price of $905.0 per contract. There were 631 open contracts at this strike prior to today, and today 486 contract(s) were bought and sold. 
• Regarding C (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/C#NYSE">C</a>), we observe a put option trade with bearish sentiment. It expires in 162 day(s) on September 19, 2025. Parties traded 349 contract(s) at a $32.50 strike. The total cost received by the writing party (or parties) was $28.9K, with a price of $83.0 per contract. There were 219 open contracts at this strike prior to today, and today 350 contract(s) were bought and sold. 
• For V (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>), we notice a call option sweep that happens to be bearish, expiring in 71 day(s) on June 20, 2025. This event was a transfer of 100 contract(s) at a $360.00 strike. This particular call needed to be split into 17 different trades to become filled. The total cost received by the writing party (or parties) was $43.5K, with a price of $435.0 per contract. There were 7996 open contracts at this strike prior to today, and today 278 contract(s) were bought and sold. 
• For BN (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BN#NYSE">BN</a>), we notice a call option sweep that happens to be bearish, expiring in 99 day(s) on July 18, 2025. This event was a transfer of 272 contract(s) at a $55.00 strike. This particular call needed to be split into 13 different trades to become filled. The total cost received by the writing party (or parties) was $50.3K, with a price of $185.0 per contract. There were 825 open contracts at this strike prior to today, and today 272 contract(s) were bought and sold. 
Options Alert Terminology 
 - Call Contracts: The right to buy shares as indicated in the contract. 
 - Put Contracts: The right to sell shares as indicated in the contract. 
 - Expiration Date: When the contract expires. One must act on the contract by this date if one wants to use it. 
 - Premium/Option Price: The price of the contract. 
For more information, visit our <a href="https://pro.benzinga.com/blog/how-to-understand-option-alerts/">Guide to Understanding Options Alerts</a> or read <a href="https://www.benzinga.com/markets/options">more about unusual options activity</a>. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Options

ALLY

COIN

HOOD

PYPL

10 Financials Stocks With Whale Alerts In Today's Session

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HBAN

HOMB

HSBC

IBKR

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SCHW

SOFI

SPGI

TROW

VOYA

ZION

Shares of banks and financial services companies are trading lower as stocks pull back after surging Wednesday following President Trump's tariff pause announcement.

ATLC

CACC

DAVE

ECPG

GDOT

KSPI

MOGO

NAVI

NRDS

PRAA

WRLD

Shares of consumer finance companies are trading higher following President Trump's decision to implement a 90-day pause on reciprocal tariffs for all countries except China.

JP Morgan analyst Richard Shane maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Overweight and lowers the price target from $76 to $50.

Price Target

Analyst Ratings

JP Morgan Maintains Overweight on Synchrony Financial, Lowers Price Target to $50

Morgan Stanley analyst Jeff Adelson downgrades Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) from Overweight to Equal-Weight and lowers the price target from $82 to $44.

Downgrades

Morgan Stanley Downgrades Synchrony Financial to Equal-Weight, Lowers Price Target to $44

Analysts' ratings for Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) over the last quarter vary from bullish to bearish, as provided by 11 analysts.
The following table provides a quick overview of their recent ratings, highlighting the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">3</td>
<td align="right">2</td>
<td align="right">6</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have recently evaluated Synchrony Financial and provided 12-month price targets. The average target is $73.55, accompanied by a high estimate of $85.00 and a low estimate of $65.00. Surpassing the previous average price target of $73.06, the current average has increased by 0.67%.
<img src="https://www.benzinga.com/files/images/story/2025/1743703585_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
A clear picture of Synchrony Financial's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<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>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$70.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$65.00</td>
<td>$77.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Lowers</td>
<td>Buy</td>
<td>$70.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$77.00</td>
<td>$72.00</td>
</tr>
<tr>
<td>Karl Shepard</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$73.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Neutral</td>
<td>$70.00</td>
<td>-</td>
</tr>
<tr>
<td>Mihir Bhatia</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$85.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Eric Wasserstrom</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$66.00</td>
<td>$58.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$82.00</td>
<td>$72.50</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Hold</td>
<td>$72.00</td>
<td>-</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$79.00</td>
<td>$59.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: 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 Financial. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Synchrony Financial compared to the broader market.</li>
<li>Price Targets: Analysts provide insights into price targets, offering estimates for the future value of Synchrony Financial's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Synchrony Financial's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/SYF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Synchrony Financial analyst ratings.</a>
<h2>Get to Know Synchrony Financial Better</h2>
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).
<h3>Unraveling the Financial Story of Synchrony Financial</h3>
Market Capitalization: Exceeding industry standards, the company's market capitalization places it above industry average in size relative to peers. This emphasizes its significant scale and robust market position.
Revenue Growth: Synchrony Financial's revenue growth over a period of 3 months has been noteworthy. As of 31 December, 2024, the company achieved a revenue growth rate of approximately 3.88%. This indicates a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Synchrony Financial's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 19.81% net margin, the company effectively manages costs and achieves strong profitability.
Return on Equity (ROE): The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of 5.0%, the company showcases effective utilization of equity capital.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.63%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 1.01.
<h2>The Significance of Analyst Ratings Explained</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
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.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Deep Dive Into Synchrony Financial Stock: Analyst Perspectives (11 Ratings)

Synchrony Financial shares are trading lower after Wells Fargo cut its price target on the stock from $85 to $70.

Wells Fargo analyst Donald Fandetti maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Overweight and lowers the price target from $85 to $70.

Wells Fargo Maintains Overweight on Synchrony Financial, Lowers Price Target to $70

According to the largest provider of private-label credit cards in the U.S., consumers — pressured by years of persistent inflation — are reducing spending as the <a href="https://www.benzinga.com/government/regulations/25/03/44475192/consumer-confidence-falls-to-lowest-since-2022-as-inflation-tariff-worries-grow">economic outlook worsens</a>.
What To Know: Synchrony Financial's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) chief credit officer Max Axler told Reuters that while most borrowers continue repaying loans, spending has dipped across income levels. 
&#8220;Purchase volumes have gone down across the industry as consumers across all income groups become more thoughtful about spending,&#8221; Axler said.
Read Next:<a href="https://www.benzinga.com/25/03/44475805/homebuilders-kb-home-lennar-cut-prices-as-homebuyer-demand-has-slowed-materially"> Homebuilders KB Home, Lennar Cut Prices As Buyer Demand Has &#8216;Slowed Materially&#8217;</a>
The latest data released by the Consumer Confidence Board on Tuesday showed that pessimism about the economic future is gripping American consumers. The Consumer Confidence Index fell 7.2 points in March to 92.9, its fourth consecutive monthly decline and the lowest reading since late 2022. 
According to recent Federal Reserve data, <a href="https://www.benzinga.com/news/econ-s/25/03/44439342/are-us-consumers-starting-to-crack-pessimism-loan-defaults-bargain-hunting-rise">delinquencies</a> on auto loans, credit cards, and home credit lines have increased, and economists warn that President Donald Trump's tariffs may exacerbate price pressures. 
Consumers may soon face additional financial strain as student loan servicers resume reporting delinquencies to credit bureaus. The process, which began in mid-February 2025, could worsen already stretched household finances.
&#8220;For the first time in five years, federal student loan delinquencies will start to reappear on credit files, and we expect a lot of consumers to be stretched due to this,&#8221; Rikard Bandebo, chief economist at VantageScore, told Reuters. 
&#8220;We expect delinquencies to go up as a result of it at a time when consumer debt is already high,&#8221; Bandebo added.
Concerns about consumer strength have also weighed on financial stocks. Shares of Discover Financial Services (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) have shed nearly 10% over the past month, and Capital One Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>) are down 6% over the same period.
The SPDR Select Financial Sector Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>), which holds 73 large-cap financial stocks, has dipped 1% over the past 30 days on broad consumer spending concerns.&nbsp;
Read More:&nbsp;
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<li><a href="https://www.benzinga.com/news/global/25/03/44477467/trumps-tariffs-on-buyers-of-venezuelan-oil-could-boost-energy-sector-exxon-mobil-stock">Trump&#8217;s Tariffs On Buyers Of Venezuelan Oil Could Boost Energy Sector, Exxon Mobil Stock&nbsp;</a></li>
</ul>
Image: Shutterstock&nbsp;

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Shares of financial stocks are trading higher amid overall market strength on reports of potentially narrowed or targeted tariffs, which may be easing investor concerns.

Truist Securities analyst Brian Foran maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Hold and lowers the price target from $77 to $65.

Truist Securities Maintains Hold on Synchrony Financial, Lowers Price Target to $65

SAN AIG BOH ING
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Shares of several banking and broader financial stocks are trading higher in sympathy with overall market sentiment after the Fed policy decision to keep rates unchanged.

The latest market downturn has left many investors questioning whether this is a temporary dip or the beginning of <a href="https://www.benzinga.com/markets">a prolonged bear market.</a>
Yet, an eye-opening indicator suggests that opportunities may be more abundant than feared—95% of S&amp;P 500 stocks currently hold a median analyst price target above their latest trading price, signaling significant upside potential across the board.
Notably, two Magnificent Seven stocks—Nvidia Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>) and Tesla Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>)—rank among the top when comparing the gap between Wall Street&#8217;s median price target and current prices, a quite uncommon event for tech giants that traditionally trade at valuation premiums.
<h3 class="wp-block-heading">Is This A Market Bottom Or A Value Trap?</h3>
The S&amp;P 500 officially entered correction territory last week, leaving investors to wonder whether the worst is over or if further downside awaits.
Ed Yardeni, president of Yardeni Research, has been one of the more bullish voices on Wall Street. Last week, he raised his probability of a bearish scenario from 20% to 35%. That forecast includes the possibility of a recession or stagflation—a combination of stagnant growth and inflation.
Yardeni also acknowledged the possibility that a bear market may have begun on Feb. 20, the day after the S&amp;P 500 reached a record high. This shift in sentiment led him to lower his year-end 2025 S&amp;P 500 target from 7,000 to 6,400.
From a technical standpoint, only 41% of S&amp;P 500 stocks are trading above their 200-day moving average, signaling that most have fallen below a key trend support level, potentially confirming a bearish phase.
Yet, long-term market data provides a reason for optimism. 
Jeffrey Buchbinder, chief equity strategist at LPL Financial, points out that market corrections—defined as a decline of 10% or more—occur every 1.1 years on average, dating back to 1928. 
&#8220;Corrections also tend to produce attractive buying opportunities&#8221;
Since 1950, the S&amp;P 500 has experienced an average intra-year drawdown of a negative 13.7%, yet it has still managed to post an average annual gain of 9.5%, with 73% of those years ending in positive territory. 
Even in years when the index experienced an intra-year decline of 10% to 20%, the average annual return was still 8.4%, with 64% of those years finishing higher.
<h3 class="wp-block-heading">Which Stocks Have The Biggest Upside?</h3>
Based on current analyst price targets, several stocks stand out for their potential gains. 
Deckers Outdoor Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DECK#NYSE">DECK</a>) leads the list, with a median price target nearly 95% higher than its last price. First Solar Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FSLR#NASDAQ">FSLR</a>) follows closely, with a projected upside of 93%.
Notably, Tesla and Nvidia, two of the most closely watched growth stocks, also rank high on the list. Analysts see Tesla's price target at $371.50, representing a 64.9% upside, while Nvidia's median price target sits at $175, implying a 51.6% gain from current levels.
Other stocks with significant upside potential include:
<ul>
<li>Caesars Entertainment Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZR#NASDAQ">CZR</a>) &#8211; 81.4% potential upside</li>
<li>Western Digital Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WDC#NASDAQ">WDC</a>) &#8211; 80.4% potential upside</li>
<li>United Airlines Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UAL#NASDAQ">UAL</a>) &#8211; 80.2% potential upside</li>
<li>Delta Air Lines Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DAL#NYSE">DAL</a>) &#8211; 72.0% potential upside</li>
</ul>
<figure class="wp-block-table is-style-stripes"> 
<table>
<thead>
<tr>
<th>#</th>
<th>Stock name</th>
<th>Last Price</th>
<th>Price Target &#8211; Median</th>
<th>Target vs. Last Price %</th>
</tr>
</thead>
<tbody>
<tr>
<td>1</td>
<td>Deckers Outdoor Corp.</td>
<td>115.30</td>
<td>225.00</td>
<td>95.14%</td>
</tr>
<tr>
<td>2</td>
<td>First Solar, Inc. </td>
<td>127.34</td>
<td>245.95</td>
<td>93.14%</td>
</tr>
<tr>
<td>3</td>
<td>Caesars Entertainment, Inc. </td>
<td>27.56</td>
<td>50.00</td>
<td>81.42%</td>
</tr>
<tr>
<td>4</td>
<td>Western Digital Corp.</td>
<td>44.34</td>
<td>80.00</td>
<td>80.42%</td>
</tr>
<tr>
<td>5</td>
<td>United Airlines Holdings, Inc. </td>
<td>71.34</td>
<td>128.60</td>
<td>80.26%</td>
</tr>
<tr>
<td>6</td>
<td>Delta Air Lines, Inc. </td>
<td>45.92</td>
<td>79.00</td>
<td>72.04%</td>
</tr>
<tr>
<td>7</td>
<td>Tesla, Inc. </td>
<td>225.31</td>
<td>371.50</td>
<td>64.88%</td>
</tr>
<tr>
<td>8</td>
<td>Norwegian Cruise Line Holdings Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NCLH#NYSE">NCLH</a>)</td>
<td>19.07</td>
<td>31.00</td>
<td>62.56%</td>
</tr>
<tr>
<td>9</td>
<td>Align Technology, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ALGN#NASDAQ">ALGN</a>)</td>
<td>164.53</td>
<td>260.00</td>
<td>58.03%</td>
</tr>
<tr>
<td>10</td>
<td>Constellation Energy Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CEG#NASDAQ">CEG</a>)</td>
<td>210.85</td>
<td>331.50</td>
<td>57.22%</td>
</tr>
<tr>
<td>11</td>
<td>MGM Resorts International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MGM#NYSE">MGM</a>)</td>
<td>31.86</td>
<td>50.00</td>
<td>56.94%</td>
</tr>
<tr>
<td>12</td>
<td>Carnival Corp. &amp; plc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CCL#NYSE">CCL</a>)</td>
<td>20.12</td>
<td>31.00</td>
<td>54.08%</td>
</tr>
<tr>
<td>13</td>
<td>Nvidia Corp. </td>
<td>115.43</td>
<td>175.00</td>
<td>51.61%</td>
</tr>
<tr>
<td>14</td>
<td>KKR &amp; Co. Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KKR#NYSE">KKR</a>)</td>
<td>114.02</td>
<td>170.00</td>
<td>49.10%</td>
</tr>
<tr>
<td>15</td>
<td>Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>)</td>
<td>53.05</td>
<td>79.00</td>
<td>48.92%</td>
</tr>
<tr>
<td>16</td>
<td>Iron Mountain Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IRM#NYSE">IRM</a>)</td>
<td>87.62</td>
<td>127.50</td>
<td>45.51%</td>
</tr>
<tr>
<td>17</td>
<td>Royal Caribbean Cruises Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RCL#NYSE">RCL</a>)</td>
<td>203.38</td>
<td>295.00</td>
<td>45.05%</td>
</tr>
<tr>
<td>18</td>
<td>Dell Technologies Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DELL#NYSE">DELL</a>)</td>
<td>96.44</td>
<td>139.00</td>
<td>44.13%</td>
</tr>
<tr>
<td>19</td>
<td>Super Micro Computer, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SMCI#NASDAQ">SMCI</a>)</td>
<td>37.90</td>
<td>54.50</td>
<td>43.80%</td>
</tr>
<tr>
<td>20</td>
<td>Synopsys Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SNPS#NASDAQ">SNPS</a>)</td>
<td>447.99</td>
<td>644.00</td>
<td>43.75%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Data: Koyfin</figcaption></figure>
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Photo: Shutterstock

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ALGN

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FSLR

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Analysts See Upside For 95% Of S&P 500 Stocks: How Nvidia, Tesla Stack Up

Analysts' ratings for Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) over the last quarter vary from bullish to bearish, as provided by 9 analysts.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">3</td>
<td align="right">1</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $74.89, a high estimate of $85.00, and a low estimate of $66.00. This current average has increased by 5.79% from the previous average price target of $70.79. 
<img src="https://www.benzinga.com/files/images/story/2025/1742328043_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
The standing of Synchrony Financial among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<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>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Lowers</td>
<td>Buy</td>
<td>$70.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$77.00</td>
<td>$72.00</td>
</tr>
<tr>
<td>Karl Shepard</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$73.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Neutral</td>
<td>$70.00</td>
<td>-</td>
</tr>
<tr>
<td>Mihir Bhatia</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$85.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Eric Wasserstrom</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$66.00</td>
<td>$58.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$82.00</td>
<td>$72.50</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Hold</td>
<td>$72.00</td>
<td>-</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$79.00</td>
<td>$59.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Synchrony Financial. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Synchrony Financial compared to the broader market.</li>
<li>Price Targets: Analysts navigate through adjustments in price targets, providing estimates for Synchrony Financial's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Synchrony Financial's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/SYF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Synchrony Financial analyst ratings.</a>
<h2>All You Need to Know About Synchrony Financial</h2>
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).
<h3>Key Indicators: Synchrony Financial's Financial Health</h3>
Market Capitalization Analysis: The company's market capitalization surpasses industry averages, showcasing a dominant size relative to peers and suggesting a strong market position.
Positive Revenue Trend: Examining Synchrony Financial's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 3.88% as of 31 December, 2024, showcasing a substantial increase in top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Synchrony Financial's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 19.81%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): Synchrony Financial's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 5.0% ROE, the company effectively utilizes shareholder equity capital.
Return on Assets (ROA): Synchrony Financial's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.63%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: Synchrony Financial's debt-to-equity ratio is below the industry average at 1.01, reflecting a lower dependency on debt financing and a more conservative financial approach.
<h2>The Basics of Analyst Ratings</h2>
Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. 
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Beyond The Numbers: 9 Analysts Discuss Synchrony Financial Stock

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