SYF
Synchrony Financial
$70.84
+0.08%
$23.8B
No data for this timeframe.
Vol
Market Cap$23.8B
Cap SizeLarge Cap
Analyst ConsensusBuy (67%)
Inst. Holders7 funds
Inst. Value$6.7B
Inst. Activity3 buys / 1 sells
Insider Activity0B / 12S
Insider Net $-$22.3M
SEC Reports5
Congressional1 trades
Recent Activity
Jun 3, 2026
short_volume
Short Volume: SYF — 58.0% short (0.6M / 1.0M)
Short: 582,180 | Exempt: 87 | TRF Vol: 1,003,797 | Short Ratio: 58.0% | Off-exchange volume (dark po
May 15, 2026
Insider
Alves Paget Leonard sold 153 shares
Director @ $71.38 ($10.9K)
May 15, 2026
Insider
Richie Laurel sold 135 shares
Director @ $71.38 ($9.6K)
May 15, 2026
Insider
Parker P.W. sold 14 shares
Director @ $71.38 ($999.32)
May 5, 2026
SEC
Two Synchrony Financial insiders sold a combined $1.09M in open-market transactions over a 7-day window. The total value
CLUSTER — Impact 2/10
Apr 27, 2026
Event
Miyuki Johnson v. Synchrony Bank
Court ruling from Court of Appeals for the Fourth Circuit. Docket: 25-1942
Apr 9, 2026
Congress
Josh Gottheimer sell
$15,001 - $50,000 — House
Mar 10, 2026
SEC
Synchrony Financial disclosed its monthly charge-off and delinquency statistics for the thirteen months ended February 2
8-K — Impact 6/10
Price Targets
$89.41
+26.2% upside
Strong Buy
Current $70.84
Low $77.00
Median $90.00
High $103.00
22 analysts
$77.00
$103.00
Analyst Ratings
6Strong Buy
12Buy
9Hold
0Sell
0Strong Sell
Recent Analyst Actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| May 22, 2026 | Loop Capital | INITIATE | Hold |
| Apr 23, 2026 | Truist Securities | MAINTAIN | Hold → Hold |
| Apr 22, 2026 | Barclays | MAINTAIN | Overweight → Overweight |
| Apr 22, 2026 | Baird | MAINTAIN | Outperform → Outperform |
| Apr 22, 2026 | BTIG | DOWNGRADE | Buy → Neutral |
Earnings Estimates
| Period | EPS Est. | Range | Growth | # |
|---|---|---|---|---|
| Current Q | $2.09 | $1.72 — $2.28 | -16% YoY | 16 |
| Next Q | $2.60 | $2.36 — $2.83 | -9% YoY | 16 |
| Current FY | $9.27 | $9.09 — $9.47 | -2% YoY | 19 |
| Next FY | $10.49 | $9.21 — $11.21 | 13% YoY | 19 |
Latest Reports
NEUTRAL
CLUSTER
2/10
Two Synchrony Financial insiders sold a combined $1.09M in open-market transactions over a 7-day window. The total value
May 5, 2026
BEARISH
8-K
6/10
Synchrony Financial disclosed its monthly charge-off and delinquency statistics for the thirteen months ended February 2
Mar 10, 2026
Top Institutional Holders
| Fund | Value | Move |
|---|---|---|
| VANGUARD GROUP INC | $3.8B | — |
| BANK OF AMERICA CORP | $1.3B | ADD |
| MORGAN STANLEY | $519.8M | — |
| NORGES BANK | $383.2M | NEW |
| FMR LLC | $318.7M | ADD |
Recent Insider Trades
| Date | Insider | Type | Value |
|---|---|---|---|
| May 15, 2026 | Alves Paget | A | $10.9K |
| May 15, 2026 | Richie Laurel | A | $9.6K |
| May 15, 2026 | Parker P.W. | A | $999.32 |
| May 15, 2026 | Schaller Bart | A | $10.2K |
| May 15, 2026 | NAYLOR JEFFREY | A | $14.1K |
Congressional Trades
1 members: 0 buys, 1 sells
| Member | Party | Type | Amount |
|---|---|---|---|
| Josh Gottheimer | D | SELL | $15,001 - $50,000 |
7 institutional holders with $6.7B total value (80,271,236 shares) as of 2025-Q4. Top holders: VANGUARD, BANK, MORGAN. Net buying activity: 3 institutions added/increased vs 1 reduced.
Top Institutional Holders — 2025-Q4
| # | Fund | Shares | Value | % of Tracked | Last Move |
|---|---|---|---|---|---|
| 1 | VANGUARD GROUP INC | 45,833,824 | $3.8B | 57.1% | — |
| 2 | BANK OF AMERICA CORP /DE/ | 16,158,110 | $1.3B | 20.1% | ADD +34.6% |
| 3 | MORGAN STANLEY | 6,230,111 | $519.8M | 7.8% | — |
| 4 | NORGES BANK | 4,593,447 | $383.2M | 5.7% | NEW |
| 5 | FMR LLC | 3,819,960 | $318.7M | 4.8% | ADD +53.8% |
| 6 | CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 3,026,386 | $252.5M | 3.8% | NEW |
| 7 | WELLS FARGO & COMPANY/MN | 609,398 | $50.8M | 0.8% | ADD +41.2% |
Recent Position Changes
| Fund | Action | Prev Shares | Curr Shares | Change % | Value | Quarter |
|---|---|---|---|---|---|---|
| NORGES BANK | NEW | — | 4,593,447 | — | $383.2M | 2025-Q4 |
| FMR LLC | ADD | 2,483,027 | 3,819,960 | +53.8% | $318.7M | 2025-Q4 |
| WELLS FARGO & COMPANY/MN | ADD | 431,682 | 609,398 | +41.2% | $50.8M | 2025-Q4 |
| Duquesne Family Office LLC | EXIT | 261,825 | 0 | -100.0% | $0.00 | 2025-Q4 |
| FMR LLC | ADD | 1,962,042 | 2,483,027 | +26.6% | $176.4M | 2025-Q3 |
| Duquesne Family Office LLC | NEW | — | 261,825 | — | $18.6K | 2025-Q3 |
| NORGES BANK | EXIT | 4,485,471 | 0 | -100.0% | $0.00 | 2025-Q3 |
| BANK OF AMERICA CORP /DE/ | ADD | 10,100,640 | 13,595,381 | +34.6% | $907.4M | 2025-Q2 |
| NORGES BANK | NEW | — | 4,485,471 | — | $299.4M | 2025-Q2 |
| UBS Group AG | ADD | 1,916,605 | 2,521,982 | +31.6% | $168.3M | 2025-Q2 |
| FMR LLC | ADD | 1,197,980 | 1,962,042 | +63.8% | $130.9M | 2025-Q2 |
| RENAISSANCE TECHNOLOGIES LLC | EXIT | 695,100 | 0 | -100.0% | $0.00 | 2025-Q2 |
| CITADEL ADVISORS LLC | TRIM | 4,104,992 | 1,845,083 | -55.1% | $97.7M | 2025-Q1 |
| RENAISSANCE TECHNOLOGIES LLC | ADD | 465,100 | 695,100 | +49.5% | $36.8M | 2025-Q1 |
| NORGES BANK | EXIT | 5,352,355 | 0 | -100.0% | $0.00 | 2025-Q1 |
| UBS Group AG | ADD | 1,187,258 | 1,824,805 | +53.7% | $118.6M | 2024-Q4 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | NEW | — | 3,549,096 | — | $177.0M | 2024-Q3 |
21 unique insiders with 12 transactions. Net insider value: -$22.3M ($0.00 bought, $22.3M sold).
Insider Transactions
| Date | Insider | Title | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| May 15, 2026 | Alves Paget Leonard | Director | A | 153 | $71.38 | $10.9K |
| May 15, 2026 | Richie Laurel | Director | A | 135 | $71.38 | $9.6K |
| May 15, 2026 | Parker P.W. | Director | A | 14 | $71.38 | $999.32 |
| May 15, 2026 | Schaller Bart | See remarks | A | 143 | $71.38 | $10.2K |
| May 15, 2026 | NAYLOR JEFFREY G | Director | A | 197 | $71.38 | $14.1K |
| May 15, 2026 | Zane Ellen M | Director | A | 14 | $71.38 | $999.32 |
| May 15, 2026 | MOTHNER JONATHAN S | See remarks | A | 217 | $71.38 | $15.5K |
| May 15, 2026 | MOTHNER JONATHAN S | See remarks | SELL | 40,000 | $71.23 | $2.8M |
| May 15, 2026 | MOTHNER JONATHAN S | See remarks | M | 11,258 | $34.30 | $386.1K |
| May 15, 2026 | COVIELLO ARTHUR W JR | Director | A | 14 | $71.38 | $999.32 |
| May 15, 2026 | MOTHNER JONATHAN S | See remarks | M | 11,258 | $0.00 | $0.00 |
| May 15, 2026 | Casellas Alberto | See remarks | A | 181 | $71.38 | $12.9K |
| May 15, 2026 | Casellas Alberto | See remarks | A | 0.78 | $0.00 | $0.00 |
| May 15, 2026 | Tiliakos Amy | See remarks | A | 72 | $71.38 | $5.1K |
| May 15, 2026 | ELLINGER DEBORAH G | Director | A | 7 | $71.38 | $499.66 |
| May 15, 2026 | COLAO DANIEL O | Director | A | 14 | $71.38 | $999.32 |
| May 15, 2026 | Owens Darrell | See remarks | A | 74 | $71.38 | $5.3K |
| May 15, 2026 | Juel Carol | See remarks | A | 217 | $71.38 | $15.5K |
| May 15, 2026 | Gentleman Courtney | See remarks | A | 84 | $71.38 | $6.0K |
| May 15, 2026 | Wenzel Brian J. Sr. | See remarks | A | 270 | $71.38 | $19.3K |
| May 15, 2026 | Chytil Kamila K | Director | A | 14 | $71.38 | $999.32 |
| May 15, 2026 | DOUBLES BRIAN D | See remarks | A | 1,017 | $71.38 | $72.6K |
| May 15, 2026 | GUTHRIE ROY A | Director | A | 152 | $71.38 | $10.8K |
| May 15, 2026 | AGUIRRE FERNANDO | Director | A | 14 | $71.38 | $999.32 |
| May 15, 2026 | Howse Curtis | See remarks | A | 181 | $71.38 | $12.9K |
| May 1, 2026 | Casellas Alberto | See remarks | SELL | 5,794 | $76.55 | $443.5K |
| May 1, 2026 | Casellas Alberto | See remarks | M | 5,794 | $34.30 | $198.7K |
| May 1, 2026 | Howse Curtis | See remarks | SELL | 8,436 | $76.55 | $645.8K |
| May 1, 2026 | COVIELLO ARTHUR W JR | Director | SELL | 4,000 | $76.55 | $306.2K |
| May 1, 2026 | Casellas Alberto | See remarks | M | 5,794 | $0.00 | $0.00 |
| Mar 31, 2026 | Richie Laurel | Director | A | 883 | $68.02 | $60.1K |
| Mar 31, 2026 | Parker P.W. | Director | A | 883 | $68.02 | $60.1K |
| Mar 31, 2026 | Chytil Kamila K | Director | A | 883 | $68.02 | $60.1K |
| Mar 31, 2026 | COVIELLO ARTHUR W JR | Director | A | 883 | $68.02 | $60.1K |
| Mar 31, 2026 | Zane Ellen M | Director | A | 883 | $68.02 | $60.1K |
| Mar 31, 2026 | NAYLOR JEFFREY G | Director | A | 1,343 | $68.02 | $91.4K |
| Mar 31, 2026 | ELLINGER DEBORAH G | Director | A | 883 | $68.02 | $60.1K |
| Mar 31, 2026 | AGUIRRE FERNANDO | Director | A | 883 | $68.02 | $60.1K |
| Mar 31, 2026 | COLAO DANIEL O | Director | A | 883 | $68.02 | $60.1K |
| Mar 31, 2026 | GUTHRIE ROY A | Director | A | 883 | $68.02 | $60.1K |
| Mar 31, 2026 | Alves Paget Leonard | Director | A | 883 | $68.02 | $60.1K |
| Mar 3, 2026 | Wenzel Brian J. Sr. | See remarks | SELL | 47,112 | $67.16 | $3.2M |
| Mar 2, 2026 | Gentleman Courtney | See remarks | SELL | 4,338 | $67.71 | $293.7K |
| Mar 2, 2026 | Howse Curtis | See remarks | SELL | 7,882 | $67.71 | $533.7K |
| Mar 2, 2026 | DOUBLES BRIAN D | See remarks | SELL | 150,000 | $68.86 | $10.3M |
| Mar 2, 2026 | DOUBLES BRIAN D | See remarks | M | 39,105 | $0.00 | $0.00 |
| Mar 2, 2026 | Wenzel Brian J. Sr. | See remarks | SELL | 19,580 | $67.71 | $1.3M |
| Mar 2, 2026 | Casellas Alberto | See remarks | SELL | 14,399 | $67.71 | $975.0K |
| Mar 2, 2026 | Owens Darrell | See remarks | SELL | 3,865 | $67.71 | $261.7K |
| Mar 2, 2026 | Juel Carol | See remarks | SELL | 16,859 | $67.71 | $1.1M |
5 SEC filing reports analyzed. Sentiment: 1 bullish, 2 bearish, 0 mixed, 2 neutral. Avg impact: 5.4/10.
NEUTRAL
CLUSTER
2/10
Two Synchrony Financial insiders sold a combined $1.09M in open-market transactions over a 7-day win
May 5, 2026
BEARISH
8-K
6/10
Synchrony Financial disclosed its monthly charge-off and delinquency statistics for the thirteen mon
Mar 10, 2026
BEARISH
CLUSTER
7/10
Multiple Synchrony Financial insiders sold shares in the past week, including significant open-marke
Mar 3, 2026
BULLISH
INST-CLUSTER
7/10
Three major institutions — including Fidelity, Wells Fargo Asset Management, and Norges Bank — signi
Feb 28, 2026
NEUTRAL
8-K
5/10
Synchrony Financial issued $750 million in 4.947% Fixed-to-Floating Rate Senior Notes due 2032 throu
Feb 25, 2026
No press releases analyzed yet. Press releases are collected from GlobeNewsWire and analyzed by the LLM pipeline.
Current analyst consensus: Buy (67% buy). Based on 27 analysts: 6 strong buy, 12 buy, 9 hold, 0 sell, 0 strong sell.
Analyst Price Targets
$89.41 mean target
+26.2% upside
Strong Buy (1.88)
$77.00 Low
$103.00 High
| Metric | Value |
|---|---|
| Current Price | $70.84 |
| Target Low | $77.00 |
| Target Mean | $89.41 |
| Target Median | $90.00 |
| Target High | $103.00 |
| # Analysts | 22 |
| Recommendation | Strong Buy (1.88) |
Earnings Estimates & Revisions
| Period | EPS Avg | EPS Low | EPS High | EPS Growth | 30d Rev. | Up/Down | Rev. Avg | Rev. Growth | Analysts |
|---|---|---|---|---|---|---|---|---|---|
| Current Q 2026-06-30 |
$2.09 | $1.72 | $2.28 | -16.2% | -0.1% | 2↑ 10↓ | $3.7B | 2.6% | 16 |
| Next Q 2026-09-30 |
$2.60 | $2.36 | $2.83 | -9.1% | -0.1% | 6↑ 6↓ | $3.9B | 1.9% | 16 |
| Current FY 2026-12-31 |
$9.27 | $9.09 | $9.47 | -1.7% | -0.2% | 11↑ 3↓ | $15.3B | 2.3% | 19 |
| Next FY 2027-12-31 |
$10.49 | $9.21 | $11.21 | 13.1% | +0.0% | 10↑ 2↓ | $16.1B | 5.2% | 19 |
Current Quarter EPS Revision History
| Timepoint | EPS Estimate | Change |
|---|---|---|
| Current | $2.095 | |
| 7d ago | $2.106 | -0.011 |
| 30d ago | $2.096 | -0.001 |
| 60d ago | $2.268 | -0.173 |
| 90d ago | $2.269 | -0.174 |
11 analyst firms have rated this stock: 1 upgrades, 1 downgrades, 1 initiations.
Individual Analyst Actions
| Date | Analyst Firm | Action | Previous Rating | New Rating |
|---|---|---|---|---|
| May 22, 2026 | Loop Capital | INITIATE | — | Hold |
| Apr 23, 2026 | Truist Securities | MAINTAIN | Hold | Hold |
| Apr 22, 2026 | Barclays | MAINTAIN | Overweight | Overweight |
| Apr 22, 2026 | Baird | MAINTAIN | Outperform | Outperform |
| Apr 22, 2026 | BTIG | DOWNGRADE | Buy | Neutral |
| Apr 9, 2026 | JP Morgan | MAINTAIN | Neutral | Neutral |
| Apr 9, 2026 | Wells Fargo | MAINTAIN | Overweight | Overweight |
| Apr 6, 2026 | Evercore ISI Group | MAINTAIN | Outperform | Outperform |
| Apr 6, 2026 | Barclays | MAINTAIN | Overweight | Overweight |
| Mar 23, 2026 | Truist Securities | MAINTAIN | Hold | Hold |
| Mar 11, 2026 | BTIG | REITERATE | Buy | Buy |
| Feb 13, 2026 | Baird | UPGRADE | Neutral | Outperform |
| Jan 29, 2026 | Truist Securities | MAINTAIN | Hold | Hold |
| Jan 28, 2026 | JP Morgan | MAINTAIN | Neutral | Neutral |
| Jan 28, 2026 | RBC Capital | MAINTAIN | Sector Perform | Sector Perform |
| Jan 28, 2026 | Barclays | MAINTAIN | Overweight | Overweight |
| Jan 28, 2026 | BTIG | MAINTAIN | Buy | Buy |
| Jan 12, 2026 | JP Morgan | MAINTAIN | Neutral | Neutral |
| Jan 8, 2026 | TD Cowen | MAINTAIN | Buy | Buy |
| Jan 6, 2026 | Barclays | MAINTAIN | Overweight | Overweight |
| Jan 5, 2026 | Wells Fargo | MAINTAIN | Overweight | Overweight |
| Jan 2, 2026 | Keefe, Bruyette & Woods | MAINTAIN | Outperform | Outperform |
| Dec 22, 2025 | Truist Securities | MAINTAIN | Hold | Hold |
| Dec 17, 2025 | Wells Fargo | MAINTAIN | Overweight | Overweight |
Monthly Consensus History
| Period | Strong Buy | Buy | Hold | Sell | Strong Sell | Buy % | Distribution |
|---|---|---|---|---|---|---|---|
| Jun 1, 2026 | 6 | 12 | 9 | 0 | 0 | 67% | |
| May 1, 2026 | 6 | 13 | 8 | 0 | 0 | 70% | |
| Apr 1, 2026 | 7 | 13 | 7 | 0 | 0 | 74% | |
| Mar 1, 2026 | 7 | 13 | 7 | 0 | 0 | 74% | |
| Feb 1, 2026 | 6 | 13 | 8 | 0 | 0 | 70% | |
| Jan 1, 2026 | 5 | 13 | 9 | 0 | 0 | 67% |
Strong BuyBuyHoldSellStrong Sell
1 members of Congress traded this stock: 0 buys, 1 sells.
Congressional Trades
| Date | Member | Party | Chamber | Type | Amount | Asset | Disclosed |
|---|---|---|---|---|---|---|---|
| Apr 9, 2026 | Josh Gottheimer | D | HOUSE | SELL | $15,001 - $50,000 | Synchrony Financial | May 20, 2026 (42d) |
No Reddit sentiment data available yet. Sentiment is analyzed from Reddit investment communities on a rolling basis.
Jun 3, 2026
short_volume
Short Volume: SYF — 58.0% short (0.6M / 1.0M)
Short: 582,180 | Exempt: 87 | TRF Vol: 1,003,797 | Short Ratio: 58.0% | Off-exchange volume (dark pool + OTC)
May 11, 2026
dark_pool
Dark Pool: SYF — 5.7M shares, 96,599 trades
Week starting 2026-05-11. Total ATS volume: 5,678,360 shares across 96,599 trades.
May 4, 2026
dark_pool
Dark Pool: SYF — 4.7M shares, 76,982 trades
Week starting 2026-05-04. Total ATS volume: 4,653,633 shares across 76,982 trades.
Apr 29, 2026
short_volume
Short Volume: SYF — 63.6% short (0.7M / 1.1M)
Short: 706,565 | Exempt: 146 | TRF Vol: 1,110,794 | Short Ratio: 63.6% | Off-exchange volume (dark pool + OTC)
Apr 27, 2026
dark_pool
Dark Pool: SYF — 5.2M shares, 92,594 trades
Week starting 2026-04-27. Total ATS volume: 5,201,301 shares across 92,594 trades.
Apr 27, 2026
Enforcement
Miyuki Johnson v. Synchrony Bank
Court ruling from Court of Appeals for the Fourth Circuit. Docket: 25-1942
Apr 23, 2026
short_volume
Short Volume: SYF — 69.1% short (1.3M / 1.8M)
Short: 1,275,465 | Exempt: 222 | TRF Vol: 1,846,022 | Short Ratio: 69.1% | Off-exchange volume (dark pool + OTC)
Apr 22, 2026
short_volume
Short Volume: SYF — 62.2% short (1.2M / 1.9M)
Short: 1,178,394 | Exempt: 3 | TRF Vol: 1,895,177 | Short Ratio: 62.2% | Off-exchange volume (dark pool + OTC)
Apr 22, 2026
short_interest
FTD: SYF — 70,408 shares ($5.5M) failed to deliver
Settlement: 20260422, Price: $77.63, FTD Value: $5,465,773.04, SYNCHRONY FINL COM STK (DE)
Apr 21, 2026
earnings_calendar
SYF Q1 2026 Earnings Before Market Open — 2026-04-21
Apr 21, 2026
short_volume
Short Volume: SYF — 60.4% short (1.5M / 2.4M)
Short: 1,475,060 | Exempt: 2,341 | TRF Vol: 2,441,602 | Short Ratio: 60.4% | Off-exchange volume (dark pool + OTC)
Apr 20, 2026
short_volume
Short Volume: SYF — 75.6% short (1.4M / 1.8M)
Short: 1,389,595 | Exempt: 2,873 | TRF Vol: 1,837,306 | Short Ratio: 75.6% | Off-exchange volume (dark pool + OTC)
Apr 20, 2026
dark_pool
Dark Pool: SYF — 8.2M shares, 122,414 trades
Week starting 2026-04-20. Total ATS volume: 8,173,165 shares across 122,414 trades.
Apr 15, 2026
short_volume
Short Volume: SYF — 62.6% short (0.5M / 0.8M)
Short: 494,837 | Exempt: 0 | TRF Vol: 790,470 | Short Ratio: 62.6% | Off-exchange volume (dark pool + OTC)
Apr 14, 2026
short_volume
Short Volume: SYF — 61.7% short (0.6M / 1.0M)
Short: 599,461 | Exempt: 43 | TRF Vol: 971,564 | Short Ratio: 61.7% | Off-exchange volume (dark pool + OTC)
Apr 13, 2026
short_volume
Short Volume: SYF — 60.8% short (0.4M / 0.7M)
Short: 448,828 | Exempt: 15 | TRF Vol: 738,028 | Short Ratio: 60.8% | Off-exchange volume (dark pool + OTC)