SYF Synchrony Financial

neutral track record → $75.55 +1.76 (+2.4%)
Mkt Cap $26B P/E 7.8 fwd 6.9 52wk $46.08 - $88.77 Earnings 2026-04-21 1d ago
Insider selling: $77,017,614 sold by 21 insiders (30d)
Est. revisions: +5.2% (6 up, 0 down in 30d)
Backed by structured data (insider trades, analyst ratings, or filings)
Factor Model & Position History (net +2.0)

Factor Model

net +2.0 4.4 / 10
Est. Revisions
+0.3
Insider Activity
+0.0
Momentum
+0.0
Analyst Rev.
+1.0
Narrative Gap
+0.0

Wells Fargo cuts SYF target amid solid credit

Watch: Next earnings report for signs of loan growth and margin expansion amid macro and AI-related headwinds.

Full analysis

Wells Fargo lowered Synchrony Financial's price target to $95 from $100 citing a shift in investor concerns towards AI-job impacts, despite solid credit performance and card spending. Seaport Research and Barclays also cut targets to $84 and $82, maintaining buy and overweight ratings respectively. Insider Brian D. Doubles sold $14.9M in shares recently, while institutional holders including Citadel and Two Sigma maintain strong positions amid decelerating revenue and a 24% stock drop from its high.

These price target cuts with sustained positive ratings reflect cautious sentiment balancing Synchrony's credit strength against macro uncertainty and slowing revenue momentum, pressuring valuation amid sector-wide risks.

Evidence

Fundamentals & Data ▾
Synchrony Financial Financial Services · Credit Services
Mkt Cap
$26B
P/E
7.8 fwd 6.9
Beta
1.38
Div Yield
166.00%
52w Range
$46.08 - $88.77
Short Interest
14.5M 5.82%
Days to Cover
3.7 -2%
Technicals downtrend
from 52w Hi
0.0%
1w return
+9.7%
Insiders
selling 0B / 3S
EPS Estimate
$2.15 +5.2% 30d 6up / 0dn
Est. Dispersion
19% 14 analysts
Analyst Target
$86 $71 - $103
Options P/C
0.52
Insider Cluster
strong sell 0B / 11S
Fund Convergence
strong Citadel, D.E. Shaw, Two Sigma, Bridgewater, Soros
Financials
Revenue
$3.8B -0% YoY
FCF
$2.5B
Momentum: decelerating
Top Holders
Citadel $63M
D.E. Shaw $43M
Two Sigma $20M
Bridgewater $20M
Soros $14M
Recent Filings & Data
insider trade 150
net selling · $77,017,614 sold
21 insiders · 150 transactions (30d)
Recent transactions
COVIELLO ARTHUR W JR · award · $60,062
GUTHRIE ROY A · award · $60,062
ELLINGER DEBORAH G. · award · $60,062
ZANE ELLEN M · award · $60,062
NAYLOR JEFFREY G · award · $91,351
ALVES PAGET LEONARD · award · $60,062
AGUIRRE FERNANDO · award · $60,062
PARKER PAUL W · award · $60,062
COLAO DANIEL O · award · $60,062
RICHIE LAUREL J · award · $60,062
CHYTIL KAMILA K · award · $60,062
WENZEL BRIAN J SR. · sell · $4,489,804
DOUBLES BRIAN D · sell · $14,941,869
DOUBLES BRIAN D · exercise · $2,286,991
CASELLAS ALBERTO B · sell · $974,956
HOWSE CURTIS · sell · $533,690
JUEL CAROL D · sell · $1,141,523
SCHALLER BARTON W · sell · $878,876
OWENS DARRELL · sell · $261,699
GENTLEMAN COURTNEY · sell · $293,726
DOUBLES BRIAN D · award · $7,278,803
MOTHNER JONATHAN S · award · $1,665,067
CASELLAS ALBERTO B · award · $1,350,064
WENZEL BRIAN J SR. · award · $2,160,033
HOWSE CURTIS · award · $1,350,064
JUEL CAROL D · award · $1,665,067
SCHALLER BARTON W · award · $1,009,697
TILIAKOS AMY · award · $270,013
OWENS DARRELL · award · $562,555
GENTLEMAN COURTNEY · award · $675,066
GUTHRIE ROY A · award · $10,557
ZANE ELLEN M · award · $1,012
NAYLOR JEFFREY G · award · $13,739
ALVES PAGET LEONARD · award · $10,630
AGUIRRE FERNANDO · award · $1,012
PARKER PAUL W · award · $1,012
DOUBLES BRIAN D · award · $84,747
CASELLAS ALBERTO B · sell · $2,930,888
CASELLAS ALBERTO B · exercise · $198,734
HOWSE CURTIS · award · $15,040
JUEL CAROL D · award · $17,571
JUEL CAROL D · sell · $3,135,417
SCHALLER BARTON W · award · $12,654
SCHALLER BARTON W · sell · $2,492,180
TILIAKOS AMY · award · $4,266
OWENS DARRELL · award · $4,917
OWENS DARRELL · sell · $727,462
GENTLEMAN COURTNEY · award · $5,351
GENTLEMAN COURTNEY · sell · $850,377
COVIELLO ARTHUR W JR · sell · $289,280
HOWSE CURTIS · sell · $3,800,850
DOUBLES BRIAN D · award · $30,138,625
MOTHNER JONATHAN S · award · $4,893,436
CASELLAS ALBERTO B · award · $5,213,217
WENZEL BRIAN J SR. · award · $6,784,123
HOWSE CURTIS · award · $5,213,217
JUEL CAROL D · award · $6,116,795
SCHALLER BARTON W · award · $4,545,965
OWENS DARRELL · award · $1,173,379
GENTLEMAN COURTNEY · award · $1,412,482
COVIELLO ARTHUR W JR · award · $55,064
GUTHRIE ROY A · award · $55,064
ELLINGER DEBORAH G. · award · $55,064
ZANE ELLEN M · award · $55,064
NAYLOR JEFFREY G · award · $86,350
ALVES PAGET LEONARD · award · $55,064
AGUIRRE FERNANDO · award · $55,064
PARKER PAUL W · award · $55,064
COLAO DANIEL O · award · $55,064
RICHIE LAUREL J · award · $55,064
CHYTIL KAMILA K · award · $55,064
MOTHNER JONATHAN S · sell · $2,329,600
MOTHNER JONATHAN S · exercise · $411,600
COVIELLO ARTHUR W JR · other
COVIELLO ARTHUR W JR · sell · $591,440
HOWSE CURTIS · sell · $894,606
HOWSE CURTIS · exercise · $414,550
OWENS DARRELL · sell · $221,246
COVIELLO ARTHUR W JR · award · $55,064
GUTHRIE ROY A · award · $55,064
ZANE ELLEN M · award · $55,064
NAYLOR JEFFREY G · award · $86,326
ALVES PAGET LEONARD · award · $55,064
AGUIRRE FERNANDO · award · $55,064
PARKER PAUL W · award · $55,064
COLAO DANIEL O · award · $55,064
RICHIE LAUREL J · award · $55,064
CHYTIL KAMILA K · award · $55,064
ALVES PAGET LEONARD · award · $10,295
DOUBLES BRIAN D · award · $84,001
CHYTIL KAMILA K · award · $1,072
HOWSE CURTIS · award · $14,941
NAYLOR JEFFREY G · sell · $1,375,000
WENZEL BRIAN J SR. · sell · $595,980
WENZEL BRIAN J SR. · exercise · $292,030
OWENS DARRELL · sell · $40,770
GENTLEMAN COURTNEY · sell · $48,177
DOUBLES BRIAN D · award · $1,091,301
COVIELLO ARTHUR W JR · award · $55,060
GUTHRIE ROY A · award · $55,060
ZANE ELLEN M · award · $55,060
NAYLOR JEFFREY G · award · $86,362
ALVES PAGET LEONARD · award · $55,060
AGUIRRE FERNANDO · award · $55,060
PARKER PAUL W · award · $55,060
COLAO DANIEL O · award · $55,060
RICHIE LAUREL J · award · $55,060
CHYTIL KAMILA K · award · $55,060
NAYLOR JEFFREY G · sell · $650,000
HOWSE CURTIS · sell · $739,700
HOWSE CURTIS · exercise · $381,571
MOTHNER JONATHAN S · other
MOTHNER JONATHAN S · sell · $2,441,185
MOTHNER JONATHAN S · exercise · $664,002
COVIELLO ARTHUR W JR · award · $55,005
GUTHRIE ROY A · award · $55,005
ZANE ELLEN M · award · $55,005
NAYLOR JEFFREY G · award · $86,292
ALVES PAGET LEONARD · award · $55,005
AGUIRRE FERNANDO · award · $55,005
PARKER PAUL W · award · $55,005
COLAO DANIEL O · award · $55,005
RICHIE LAUREL J · award · $55,005
CHYTIL KAMILA K · award · $55,005
CASELLAS ALBERTO B · sell · $3,482,140
CASELLAS ALBERTO B · exercise · $464,593
WENZEL BRIAN J SR. · sell · $3,762,747
HOWSE CURTIS · sell · $2,042,920
JUEL CAROL D · sell · $5,410,416
JUEL CAROL D · exercise · $1,178,228
SCHALLER BARTON W · sell · $4,445,083
SCHALLER BARTON W · exercise · $983,532
OWENS DARRELL · sell · $664,611
GENTLEMAN COURTNEY · sell · $600,700
DOUBLES BRIAN D · award · $6,187,540
DOUBLES BRIAN D · sell · $8,938,696
DOUBLES BRIAN D · exercise · $1,452,136
MOTHNER JONATHAN S · award · $1,462,509
CASELLAS ALBERTO B · award · $1,231,925
WENZEL BRIAN J SR. · award · $1,800,012
HOWSE CURTIS · award · $1,231,925
JUEL CAROL D · award · $1,462,509
SCHALLER BARTON W · award · $1,009,715
TILIAKOS AMY · award · $191,263
OWENS DARRELL · award · $450,003
GENTLEMAN COURTNEY · award · $450,003
DOUBLES BRIAN D · award · $76,193
COLAO DANIEL O · award · $196
CASELLAS ALBERTO B · award · $14,494
SCHALLER BARTON W · award · $12,470
Filing analysis pending — next scan runs every 12 hours
Transcript analysis coming soon
7 signals · latest 1d ago

Get alerted when SYF changes direction

We'll email you when our AI detects a shift — reversals, insider clusters, filing red flags.