Analyze the impact of 10 analyst ratings on Synchrony Finl SYF within the last quarter:

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

Review how 10 analysts assessed Synchrony Finl in the last 3 months. A higher number of bullish ratings suggests a positive analyst sentiment, while bearish ratings indicate a negative outlook.

Observing a downward trend, the current average is 4.56% lower than the prior average price target of $36.88.

Decoding Analyst Ratings: A Detailed Look

Delve into the insights of financial experts and analysts as we provide a comprehensive breakdown of their recent evaluations for Synchrony Finl. Our Ratings Table below offers a detailed overview of the decisions made by key analysts, their current ratings, and price targets. Understanding how these experts perceive the company can yield valuable insights into potential market trends and investor sentiment.

Key Insights:

• 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 Finl. This information provides a snapshot of how analysts perceive the current state of the company.
• Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Synchrony Finl compared to the broader market.
• Price Targets: Analysts provide insights into price targets, offering estimates for the future value of Synchrony Finl's stock. This comparison reveals trends in analysts' expectations over time.

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.

About 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).

Synchrony Finl: Delving into Financials

Market Capitalization Analysis: With an elevated market capitalization, the company stands out above industry averages, showcasing substantial size and market acknowledgment.

Revenue Growth: Over the 3 months period, Synchrony Finl showcased positive performance, achieving a revenue growth rate of 19.21% as of 30 September, 2023. This reflects a substantial increase in the company's top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher 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 17.78%, the company showcases strong profitability and effective cost control.

Return on Equity (ROE): The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of 4.81%, the company showcases effective utilization of equity capital.

Return on Assets (ROA): Synchrony Finl's financial strength is reflected in its exceptional ROA, which exceeds industry averages. With a remarkable ROA of 0.56%, the company showcases efficient use of assets and strong financial health.

Debt Management: Synchrony Finl's debt-to-equity ratio is below the industry average. With a ratio of 1.17, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.

The Basics of Analyst Ratings

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.

In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.

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