Within the last quarter, Synchrony Finl SYF has observed the following analyst ratings:

Explore the 12-month price targets set by 10 analysts for Synchrony Finl in the last 3 months. The average price target is $35.2, with a high estimate of $44.00 and a low estimate of $27.00.

Explore a quick overview of how 10 analysts rated Synchrony Finl in the last 3 months. More bullish ratings signify a positive analyst sentiment, while more bearish ratings suggest a negative outlook.

A 4.56% drop is evident in the current average compared to the previous average price target of $36.88.

Breaking Down Analyst Ratings: A Detailed Examination

Embark on a journey into the analyses of financial experts and analysts, featuring a detailed breakdown of their recent assessments for Synchrony Finl. Our Ratings Table below provides a comprehensive overview of the moves made by key analysts, their present ratings, and price targets. Understanding the perceptions of these experts towards the company can unveil valuable insights into possible market trends and investor sentiment.

Key Insights:

• Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Synchrony Finl. This information offers a snapshot of how analysts perceive the current state of the company.
• Rating: Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of Synchrony Finl compared to the broader market.
• Price Targets: Analysts navigate through adjustments in price targets, providing estimates for Synchrony Finl's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.

Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Synchrony Finl's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.

Stay up to date on Synchrony Finl analyst ratings.

Get to Know Synchrony Finl Better

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).

Synchrony Finl's Financial Performance

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.

Positive Revenue Trend: Examining Synchrony Finl's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 19.21% as of 30 September, 2023, showcasing a substantial increase in top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.

Net Margin: Synchrony Finl's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 17.78% net margin, the company effectively manages costs and achieves strong profitability.

Return on Equity (ROE): Synchrony Finl's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 4.81% ROE, the company effectively utilizes shareholder equity capital.

Return on Assets (ROA): Synchrony Finl's ROA surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 0.56% ROA, the company effectively utilizes its assets for optimal returns.

Debt Management: Synchrony Finl's debt-to-equity ratio is below the industry average at 1.17, reflecting a lower dependency on debt financing and a more conservative financial approach.

How Are Analyst Ratings Determined?

Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.

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.

This article was generated by Benzinga's automated content engine and reviewed by an editor.