What 8 Analyst Ratings Have To Say About Synchrony Finl

Ratings for Synchrony Finl SYF were provided by 8 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.

The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.

Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $40.88, along with a high estimate of $56.00 and a low estimate of $30.00. This upward trend is apparent, with the current average reflecting a 10.49% increase from the previous average price target of $37.00.

Understanding Analyst Ratings: A Comprehensive Breakdown

The standing of Synchrony Finl among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.

Key Insights:

• 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 Finl. This offers insight into analysts' perspectives on 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: Gaining insights, analysts provide estimates for the future value of Synchrony Finl's stock. This comparison reveals trends in analysts' expectations over time.

Capture valuable insights into Synchrony Finl's market standing by understanding these analyst evaluations alongside pertinent financial indicators. Stay informed and make strategic decisions with our Ratings Table.

Stay up to date on Synchrony Finl analyst ratings.

All You Need to Know 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).

A Deep Dive into Synchrony Finl's Financials

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

Revenue Growth: Synchrony Finl displayed positive results in 3 months. As of 31 December, 2023, the company achieved a solid revenue growth rate of approximately 5.29%. This indicates a notable increase in the company's 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 financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 11.72%, the company showcases strong profitability and effective cost management.

Return on Equity (ROE): Synchrony Finl's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 3.27%, the company may face hurdles in achieving optimal financial performance.

Return on Assets (ROA): Synchrony Finl's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.37%, the company may face hurdles in generating optimal returns from its assets.

Debt Management: Synchrony Finl's debt-to-equity ratio is below the industry average. With a ratio of 1.21, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.

Analyst Ratings: What Are They?

Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.

Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.

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