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Synchrony Financial

SYF · NYSE

Market open$73.58$-0.705000 (-0.95%)

Key statistics

Previous close$74.28
Open$72.82
Day high$74.05
Day low$71.99
52-week high$88.77
52-week low$63.08
Market cap24.75B
Volume1.88M
Average volume3.86M
P/E ratio7.59
Forward P/E7.26
EPS9.70
Dividend yield+1.63%

Market context

Why it moved

Synchrony Financial shares declined amid a broader market pullback driven by weakness in technology and semiconductor stocks, compounded by a downward revision to Q3 EPS estimates by Zacks Research and lingering macroeconomic concerns including elevated oil prices from ongoing U.S.-Iran tensions and rising mortgage rates stoking inflation fears.

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What is happening

Recent company-specific developments and publisher coverage.

July 17, 2026Synchrony Financial shares are edging lower ahead of its Q2 2026 earnings report scheduled for July 21, with analysts forecasting EPS of $2.09 — a roughly 19% year-over-year decline — though the company carries an Earnings ESP of +2.07% and has beaten estimates in three of the last four quarters with an average surprise of 20.7%. Investor focus is on whether higher purchase volumes (expected +5.1% YoY) and an improved net interest margin of ~15.31% can offset elevated credit costs, while J.P. Morgan reiterated a Neutral rating with a $78 price target. Broader financial sector pressure, with XLF also trading lower, adds to the cautious tone ahead of the print.

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July 16, 2026Synchrony Financial edged higher, buoyed by a broadly constructive backdrop for financial stocks as Q2 earnings season kicked off with blowout results from JPMorgan, Goldman Sachs, and Bank of America — validating stabilizing consumer credit trends that are directly relevant to Synchrony's charge-off and payment rate outlook. Analyst sentiment was mixed heading into SYF's own earnings: HSBC raised its price target to $97 (from $81) with a Buy rating, while J.P. Morgan maintained a Hold and trimmed its target to $78, and Zacks flagged expectations for a year-over-year earnings decline on higher revenues. Adding to the growth narrative, Synchrony announced executive leadership changes in late June, elevating a new Digital platform CEO and promoting a new CTO to accelerate AI adoption and digital-first partnerships with Amazon and PayPal.

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July 15, 2026Synchrony Financial edged higher, supported by a wave of analyst activity and pre-earnings optimism ahead of its upcoming Q2 report. HSBC raised its price target to $97 (from $93) while reiterating a Buy rating, and Morningstar upgraded the stock to 4 stars with an $87 fair value estimate, noting it trades at a 17% discount. JP Morgan maintained its Neutral rating but trimmed its target to $78. The stock's credit-sensitive business model is a focal point for investors, with consumer credit contraction and rising bankruptcies cited as key risks, even as strong Q2 bank earnings from JPMorgan, Citigroup, and BofA lifted broader financial sector sentiment.

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July 14, 2026Synchrony Financial closed modestly higher, outperforming amid a broadly cautious market session weighed down by renewed U.S.-Iran military tensions and surging oil prices. The gain came alongside a flurry of analyst activity: HSBC raised its price target to $97 (from $93) while maintaining a Buy rating, while JPMorgan trimmed its target to $78 (from $81), keeping a Neutral stance. Morningstar also upgraded the stock to 4 stars, citing a 17% discount to its $87 fair value estimate. Investors continue to weigh Synchrony's credit quality and consumer health against macro headwinds, with Q2 earnings and June CPI data due this week acting as key near-term catalysts.

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July 11, 2026Synchrony Financial closed modestly higher, recovering some ground after a sharp 4.7% selloff earlier in the week triggered by geopolitical risk-off trading tied to Iran-U.S. military escalations. With Q2 2026 earnings scheduled for July 21, investors are watching for confirmation that improving credit trends — including a declining net charge-off rate of 5.4% in May and falling delinquencies — will translate into strong results. Analyst sentiment remains constructive, with a median price target of $85 and TD Cowen setting a $90 target, suggesting meaningful upside from current levels despite macro headwinds from elevated Treasury yields and inflation.

1.2156

July 9, 2026Synchrony Financial surged nearly 5% in a strong recovery session, sharply outperforming the broader financial sector as investors refocused on the company's improving credit fundamentals ahead of its July 21 Q2 earnings report. Despite a backdrop of renewed U.S.-Iran geopolitical tensions weighing on consumer finance names earlier in the week, Synchrony's stabilizing credit metrics — including a May net charge-off rate of 5.4%, down from 5.8% in March — appear to be drawing buyers back. Multiple Wall Street analysts have issued bullish price targets recently, with TD Cowen setting $90 and Barclays at $93, against a median target of $85, suggesting meaningful upside from current levels.

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July 9, 2026Synchrony Financial tumbled nearly 10% — on volume more than 2.5x its daily average — as a sharp geopolitical shock triggered broad risk-off selling across consumer finance stocks. President Trump declared the U.S.-Iran ceasefire "over," sending oil prices surging over 5% and stoking inflation fears, while rising Treasury yields amplified concerns about funding costs and credit stress for consumer lenders. The selloff overshadowed a constructive analyst backdrop: TD Cowen raised its price target to $90, Barclays maintained a Buy with a $93 target, and UBS lifted its target to $84, all citing improving credit trends heading into Synchrony's Q2 2026 earnings report on July 21, where management has guided full-year net charge-offs below 5.5%.

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July 8, 2026Synchrony Financial closed down nearly 2% amid a broader market pullback driven by semiconductor weakness and rising Treasury yields, with the 30-year bond crossing 5%. Investor focus is squarely on the July 21 Q2 earnings report, where analysts expect a double-digit EPS decline from Q2 2025's $2.50, though the company's improving credit metrics and aggressive capital returns have kept analyst sentiment broadly constructive. On the same day, both UBS and TD Cowen raised their price targets — to $84 (Neutral) and $90 (Buy), respectively — while Barclays reiterated its Buy with a $93 target, reflecting confidence in Synchrony's credit comeback and its newly reshuffled digital leadership team.

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Zacks Investment Research · July 17, 2026Will Higher Purchase Volumes Fuel Synchrony's Q2 Earnings Beat?Ad Hoc News · July 17, 2026Synchrony Financial stock trades steady as credit trends and digital growth balance earnings outlookPR Newswire · July 16, 2026Synchrony launches its largest global Experience Center alongside a reimagined Innovation Station in Hyderabad, Indiawww.marketscreener.com · July 13, 2026JPMorgan Adjusts Price Target on Synchrony Financial to $78 From $81, Maintains Neutral RatingSeeking Alpha · June 26, 2026Synchrony Financial Fixed-Rate Preferred: Attractive Yield At A Discount, Uncertain Rate OutlookPR Newswire · June 23, 2026Synchrony to Announce Second Quarter 2026 Financial Results on July 21, 2026Simply Wall Street · April 22, 2026Synchrony Financial (SYF) Q1 EPS Strength Tests Bearish Earnings Decline Narrative
Benzinga · July 13, 2026HSBC Maintains Buy on Synchrony Financial, Raises Price Target to $97
Benzinga · July 13, 2026JP Morgan Maintains Neutral on Synchrony Financial, Lowers Price Target to $78
Mt Newswire · July 13, 2026HSBC Adjusts Price Target on Synchrony Financial to $97 From $93, Maintains Buy Rating
Mt Newswire · July 13, 2026JPMorgan Adjusts Price Target on Synchrony Financial to $78 From $81, Maintains Neutral Rating
Benzinga · July 7, 2026TD Cowen Maintains Buy on Synchrony Financial, Raises Price Target to $90
Mt Newswire · July 7, 2026UBS Adjusts Price Target on Synchrony Financial to $84 From $77, Maintains Neutral Rating
Benzinga · July 7, 2026UBS Maintains Neutral on Synchrony Financial, Raises Price Target to $84
Mt Newswire · July 7, 2026UBS Adjusts Price Target on Synchrony Financial to $84 From $77

Peers

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