During the last three months, 12 analysts shared their evaluations of Synchrony Finl SYF, revealing diverse outlooks from bullish to bearish.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 4 | 4 | 4 | 0 | 0 |
| Last 30D | 0 | 0 | 1 | 0 | 0 |
| 1M Ago | 2 | 1 | 3 | 0 | 0 |
| 2M Ago | 1 | 3 | 0 | 0 | 0 |
| 3M Ago | 1 | 0 | 0 | 0 | 0 |
Insights from analysts' 12-month price targets are revealed, presenting an average target of $76.29, a high estimate of $85.00, and a low estimate of $66.00. Witnessing a positive shift, the current average has risen by 18.0% from the previous average price target of $64.65.
Breaking Down Analyst Ratings: A Detailed Examination
The perception of Synchrony Finl by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Karl Shepard | RBC Capital | Raises | Sector Perform | $73.00 | $70.00 |
| David Rochester | Compass Point | Announces | Neutral | $70.00 | - |
| Mihir Bhatia | B of A Securities | Raises | Buy | $85.00 | $82.00 |
| Eric Wasserstrom | UBS | Raises | Neutral | $66.00 | $58.00 |
| Alex Scott | Goldman Sachs | Raises | Buy | $82.00 | $72.50 |
| Brian Foran | Truist Securities | Announces | Hold | $72.00 | - |
| Mark Devries | Barclays | Raises | Overweight | $79.00 | $59.00 |
| David Rochester | Compass Point | Raises | Buy | $77.00 | $60.00 |
| Sanjay Sakhrani | Keefe, Bruyette & Woods | Raises | Outperform | $82.00 | $62.00 |
| Richard Shane | JP Morgan | Raises | Overweight | $72.00 | $59.00 |
| Donald Fandetti | Wells Fargo | Raises | Overweight | $85.00 | $60.00 |
| Alex Scott | Goldman Sachs | Raises | Buy | $72.50 | $64.00 |
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: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Synchrony Finl compared to the broader market.
- Price Targets: Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Synchrony Finl's market position. Stay informed and make well-informed decisions with our Ratings Table.
Stay up to date on Synchrony Finl analyst ratings.
Delving into Synchrony Finl's Background
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: Financial Performance Dissected
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's revenue growth over a period of 3 months has been noteworthy. As of 30 September, 2024, the company achieved a revenue growth rate of approximately 9.76%. This indicates 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: Synchrony Finl's net margin is impressive, surpassing industry averages. With a net margin of 20.14%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): Synchrony Finl's ROE excels beyond industry benchmarks, reaching 5.28%. This signifies robust financial management and efficient use of shareholder equity capital.
Return on Assets (ROA): Synchrony Finl's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.64%, the company may face hurdles in achieving optimal financial performance.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 1.06.
The Core of Analyst Ratings: What Every Investor Should Know
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
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.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.
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