SYF

Synchrony Financial

NYSE · Finance Services · Inc. NY · CIK 0001601712
$73.36 +1.42% $24.7B
Insider Selling Cluster (4 insiders)High Impact Filing (8/10)29 New Institutional Positions21 Institutional ExitsCongressional Activity (1)
Vol
Market Cap$24.7B
Cap SizeLarge Cap
Analyst ConsensusBuy (67%)
Inst. Holders50 funds
Inst. Value$16.4B
Inst. Activity29 buys / 21 sells
Insider Activity0B / 13S
Insider Net $-$23.1M
SEC Reports10
Congressional1 trades
Exchange NYSE·Sector Finance Services·Inc. NY·CIK 0001601712·Prev Close $72.33

Recent Activity

Jun 11, 2026 short_volume
Short Volume: SYF — 57.9% short (0.6M / 1.1M)
Short: 616,458 | Exempt: 3,606 | TRF Vol: 1,065,337 | Short Ratio: 57.9% | Off-exchange volume (dark
Jun 3, 2026 SEC
Synchrony Financial is issuing 500,000 depositary shares (Series C Preferred Stock) at $1,000 per share, raising $500M i
424B5 — Impact 4/10
Jun 2, 2026 SEC
Synchrony Financial is offering an undisclosed amount of depositary shares, each representing a 1/100th interest in its
424B5 — Impact 4/10
May 15, 2026 Insider
Alves Paget Leonard was granted 153 shares
Director @ $71.38 ($10.9K)
May 15, 2026 Insider
Richie Laurel was granted 135 shares
Director @ $71.38 ($9.6K)
May 15, 2026 Insider
Parker P.W. was granted 14 shares
Director @ $71.38 ($999.32)
May 5, 2026 SEC
Two Synchrony Financial insiders sold a combined $1.09M in open-market transactions over a 7-day window. The total value
CLUSTER — Impact 2/10
Inst.
HARRIS ASSOCIATES L P — NEW
4,659,001 shares ($316.9M)

Price Targets

$89.22 +21.6% upside Strong Buy
Current $73.36 Low $77.00 Median $90.00 High $103.00 23 analysts
$77.00 $103.00

Analyst Ratings

Buy67% buy · 27 analysts
6Strong Buy
12Buy
9Hold
0Sell
0Strong Sell
Recent Analyst Actions
DateFirmActionRating
May 22, 2026 Loop Capital INITIATE Hold
Apr 23, 2026 Truist Securities MAINTAIN Hold → Hold
Apr 22, 2026 Barclays MAINTAIN Overweight → Overweight
Apr 22, 2026 Baird MAINTAIN Outperform → Outperform
Apr 22, 2026 BTIG DOWNGRADE Buy → Neutral

Earnings Estimates

PeriodEPS Est.RangeGrowth#
Current Q $2.10 $1.78 — $2.28 -16% YoY 15
Next Q $2.60 $2.36 — $2.83 -9% YoY 15
Current FY $9.28 $9.09 — $9.47 -2% YoY 19
Next FY $10.49 $9.21 — $11.21 13% YoY 19

Top Institutional Holders

FundValueMove
Erste Asset Management GmbH
Capital World Investors$2.3B
BlackRock, Inc.$2.1B
VANGUARD CAPITAL MANAGEMENT LLC$1.5B
VANGUARD PORTFOLIO MANAGEMENT LLC$1.3B

Recent Insider Trades

DateInsiderTypeValue
May 15, 2026Alves PagetA$10.9K
May 15, 2026Richie LaurelA$9.6K
May 15, 2026Parker P.W.A$999.32
May 15, 2026Schaller BartA$10.2K
May 15, 2026NAYLOR JEFFREYA$14.1K

Congressional Trades

1 members: 0 buys, 1 sells
MemberPartyTypeAmount
Josh GottheimerDSELL$15,001 - $50,000
50 institutional holders with $16.4B total value (241,561,027 shares) as of 2026-Q1. Top holders: Erste, Capital, BlackRock,. Net buying activity: 29 institutions added/increased vs 21 reduced.

Top Institutional Holders — 2026-Q1

#FundSharesValue% of TrackedLast Move
1Erste Asset Management GmbH$0.000.0%
2Capital World Investors33,796,907$2.3B14.0%
3BlackRock, Inc.30,479,074$2.1B12.6%
4VANGUARD CAPITAL MANAGEMENT LLC22,597,816$1.5B9.4%
5VANGUARD PORTFOLIO MANAGEMENT LLC18,504,717$1.3B7.7%
6STATE STREET CORP17,724,629$1.2B7.3%
7BANK OF AMERICA CORP /DE/16,064,618$1.1B6.7%
8GOLDMAN SACHS GROUP INC9,594,463$652.6M4.0%
9DIMENSIONAL FUND ADVISORS LP6,039,753$410.8M2.5%
10Invesco Ltd.5,630,774$383.0M2.3%
11FIRST TRUST ADVISORS LP5,338,110$363.1M2.2%
12NORDEA INVESTMENT MANAGEMENT AB5,252,464$348.7M2.1%
13AMERIPRISE FINANCIAL INC4,837,821$329.1M2.0%
14HARRIS ASSOCIATES L P4,659,001$316.9M1.9%NEW
15MORGAN STANLEY4,561,764$310.3M1.9%TRIM -26.8%
16ASSETMARK, INC4,338,604$295.1M1.8%
17Allianz Asset Management GmbH4,182,101$284.5M1.7%
18CHARLES SCHWAB INVESTMENT MANAGEMENT INC3,065,215$208.5M1.3%
19AustralianSuper Pty Ltd2,893,228$196.8M1.2%ADD +73.0%
20Legal & General Group Plc2,889,558$196.5M1.2%

Recent Position Changes

FundActionPrev SharesCurr SharesChange %ValueQuarter
HARRIS ASSOCIATES L PNEW4,659,001$316.9M2026-Q1
MORGAN STANLEYTRIM6,230,1114,561,764-26.8%$310.3M2026-Q1
AustralianSuper Pty LtdADD1,672,7282,893,228+73.0%$196.8M2026-Q1
PANAGORA ASSET MANAGEMENT INCTRIM3,016,1552,242,342-25.7%$152.5M2026-Q1
Nuveen, LLCTRIM2,887,8821,894,723-34.4%$128.9M2026-Q1
FMR LLCTRIM3,819,9601,592,902-58.3%$108.3M2026-Q1
LOS ANGELES CAPITAL MANAGEMENT LLCTRIM2,786,7301,495,950-46.3%$101.8M2026-Q1
FRANKLIN RESOURCES INCDOUBLED624,0461,282,677+105.5%$87.2M2026-Q1
PRUDENTIAL FINANCIAL INCDOUBLED224,7231,113,909+395.7%$75.8M2026-Q1
FULLER & THALER ASSET MANAGEMENT, INC.ADD527,292725,535+37.6%$49.4M2026-Q1
Artemis Investment Management LLPDOUBLED264,979605,261+128.4%$41.2M2026-Q1
BNP Paribas Asset Management Holding S.A.TRIM943,177570,897-39.5%$38.8M2026-Q1
FEDERATED HERMES, INC.TRIM776,158548,913-29.3%$37.3M2026-Q1
Assenagon Asset Management S.A.DOUBLED51,526545,880+959.4%$37.1M2026-Q1
Pictet Asset Management Holding SATRIM598,041408,952-31.6%$27.8M2026-Q1
HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUNDDOUBLED14,238384,841+2602.9%$26.2M2026-Q1
ARROWSTREET CAPITAL, LIMITED PARTNERSHIPNEW341,556$23.2M2026-Q1
CAPITAL FUND MANAGEMENT S.A.ADD194,876300,563+54.2%$20.4M2026-Q1
DANSKE BANK A/STRIM452,820208,317-54.0%$14.2M2026-Q1
AGF MANAGEMENT LTDNEW206,767$14.1M2026-Q1
Mariner, LLCADD128,761172,460+33.9%$11.7M2026-Q1
Hudson Bay Capital Management LPNEW150,000$10.2M2026-Q1
FIFTH THIRD BANCORPDOUBLED29,987147,548+392.0%$10.0M2026-Q1
FJARDE AP-FONDEN /FOURTH SWEDISH NATIONAL PENSION FUNDADD70,201139,451+98.6%$9.5M2026-Q1
Tredje AP-fondenDOUBLED46,947135,470+188.6%$9.2M2026-Q1
21 unique insiders with 50 transactions. Net insider value: -$23.1M ($0.00 bought, $23.1M sold).

Insider Transactions

DateInsiderTitleTypeSharesPriceValue
May 15, 2026Alves Paget LeonardDirectorAWARD153$71.38$10.9K
May 15, 2026Richie LaurelDirectorAWARD135$71.38$9.6K
May 15, 2026Parker P.W.DirectorAWARD14$71.38$999.32
May 15, 2026Schaller BartSee remarksAWARD143$71.38$10.2K
May 15, 2026NAYLOR JEFFREY GDirectorAWARD197$71.38$14.1K
May 15, 2026Zane Ellen MDirectorAWARD14$71.38$999.32
May 15, 2026MOTHNER JONATHAN SSee remarksAWARD217$71.38$15.5K
May 15, 2026MOTHNER JONATHAN SSee remarksSELL40,000$71.23$2.8M
May 15, 2026MOTHNER JONATHAN SSee remarksEXERCISE11,258$34.30$386.1K
May 15, 2026COVIELLO ARTHUR W JRDirectorAWARD14$71.38$999.32
May 15, 2026Casellas AlbertoSee remarksAWARD181$71.38$12.9K
May 15, 2026Casellas AlbertoSee remarksAWARD0.78
May 15, 2026Tiliakos AmySee remarksAWARD72$71.38$5.1K
May 15, 2026ELLINGER DEBORAH GDirectorAWARD7$71.38$499.66
May 15, 2026COLAO DANIEL ODirectorAWARD14$71.38$999.32
May 15, 2026Owens DarrellSee remarksAWARD74$71.38$5.3K
May 15, 2026Juel CarolSee remarksAWARD217$71.38$15.5K
May 15, 2026Gentleman CourtneySee remarksAWARD84$71.38$6.0K
May 15, 2026Wenzel Brian J. Sr.See remarksAWARD270$71.38$19.3K
May 15, 2026Chytil Kamila KDirectorAWARD14$71.38$999.32
May 15, 2026DOUBLES BRIAN DSee remarksAWARD1,017$71.38$72.6K
May 15, 2026GUTHRIE ROY ADirectorAWARD152$71.38$10.8K
May 15, 2026AGUIRRE FERNANDODirectorAWARD14$71.38$999.32
May 15, 2026Howse CurtisSee remarksAWARD181$71.38$12.9K
May 1, 2026Casellas AlbertoSee remarksSELL5,794$76.55$443.5K
May 1, 2026Casellas AlbertoSee remarksEXERCISE5,794$34.30$198.7K
May 1, 2026Howse CurtisSee remarksSELL8,436$76.55$645.8K
May 1, 2026COVIELLO ARTHUR W JRDirectorSELL4,000$76.55$306.2K
Mar 31, 2026Richie LaurelDirectorAWARD883$68.02$60.1K
Mar 31, 2026Parker P.W.DirectorAWARD883$68.02$60.1K
Mar 31, 2026Chytil Kamila KDirectorAWARD883$68.02$60.1K
Mar 31, 2026COVIELLO ARTHUR W JRDirectorAWARD883$68.02$60.1K
Mar 31, 2026Zane Ellen MDirectorAWARD883$68.02$60.1K
Mar 31, 2026NAYLOR JEFFREY GDirectorAWARD1,343$68.02$91.4K
Mar 31, 2026ELLINGER DEBORAH GDirectorAWARD883$68.02$60.1K
Mar 31, 2026AGUIRRE FERNANDODirectorAWARD883$68.02$60.1K
Mar 31, 2026COLAO DANIEL ODirectorAWARD883$68.02$60.1K
Mar 31, 2026GUTHRIE ROY ADirectorAWARD883$68.02$60.1K
Mar 31, 2026Alves Paget LeonardDirectorAWARD883$68.02$60.1K
Mar 3, 2026Wenzel Brian J. Sr.See remarksSELL47,112$67.16$3.2M
Mar 2, 2026Gentleman CourtneySee remarksSELL4,338$67.71$293.7K
Mar 2, 2026Howse CurtisSee remarksSELL7,882$67.71$533.7K
Mar 2, 2026DOUBLES BRIAN DSee remarksSELL150,000$68.86$10.3M
Mar 2, 2026DOUBLES BRIAN DSee remarksEXERCISE39,105
Mar 2, 2026Wenzel Brian J. Sr.See remarksSELL19,580$67.71$1.3M
Mar 2, 2026Casellas AlbertoSee remarksSELL14,399$67.71$975.0K
Mar 2, 2026Owens DarrellSee remarksSELL3,865$67.71$261.7K
Mar 2, 2026Juel CarolSee remarksSELL16,859$67.71$1.1M
Mar 2, 2026Schaller BartSee remarksSELL12,980$67.71$878.9K
Mar 1, 2026Tiliakos AmySee remarksAWARD3,907$69.11$270.0K

No press releases analyzed yet. Press releases are collected from GlobeNewsWire and analyzed by the LLM pipeline.

Current analyst consensus: Buy (67% buy). Based on 27 analysts: 6 strong buy, 12 buy, 9 hold, 0 sell, 0 strong sell.

Analyst Price Targets

$89.22 mean target +21.6% upside Strong Buy (1.88)
$77.00 Low $103.00 High
MetricValue
Current Price$73.36
Target Low$77.00
Target Mean$89.22
Target Median$90.00
Target High$103.00
# Analysts23
RecommendationStrong Buy (1.88)

Earnings Estimates & Revisions

PeriodEPS AvgEPS LowEPS HighEPS Growth30d Rev.Up/DownRev. AvgRev. GrowthAnalysts
Current Q
2026-06-30
$2.10 $1.78 $2.28 -15.8% -0.0% 2↑ 10↓ $3.7B 2.5% 15
Next Q
2026-09-30
$2.60 $2.36 $2.83 -9.3% +0.1% 6↑ 6↓ $3.9B 1.8% 15
Current FY
2026-12-31
$9.28 $9.09 $9.47 -1.6% -0.1% 11↑ 3↓ $15.3B 2.3% 19
Next FY
2027-12-31
$10.49 $9.21 $11.21 13.1% +0.0% 10↑ 2↓ $16.1B 5.2% 19

Current Quarter EPS Revision History

TimepointEPS EstimateChange
Current$2.104
7d ago$2.095+0.009
30d ago$2.104-0.000
60d ago$2.236-0.133
90d ago$2.277-0.173
11 analyst firms have rated this stock: 1 upgrades, 1 downgrades, 1 initiations.

Individual Analyst Actions

DateAnalyst FirmActionPrevious RatingNew Rating
May 22, 2026 Loop Capital INITIATE Hold
Apr 23, 2026 Truist Securities MAINTAIN Hold Hold
Apr 22, 2026 Barclays MAINTAIN Overweight Overweight
Apr 22, 2026 Baird MAINTAIN Outperform Outperform
Apr 22, 2026 BTIG DOWNGRADE Buy Neutral
Apr 9, 2026 JP Morgan MAINTAIN Neutral Neutral
Apr 9, 2026 Wells Fargo MAINTAIN Overweight Overweight
Apr 6, 2026 Evercore ISI Group MAINTAIN Outperform Outperform
Apr 6, 2026 Barclays MAINTAIN Overweight Overweight
Mar 23, 2026 Truist Securities MAINTAIN Hold Hold
Mar 11, 2026 BTIG REITERATE Buy Buy
Feb 13, 2026 Baird UPGRADE Neutral Outperform
Jan 29, 2026 Truist Securities MAINTAIN Hold Hold
Jan 28, 2026 JP Morgan MAINTAIN Neutral Neutral
Jan 28, 2026 RBC Capital MAINTAIN Sector Perform Sector Perform
Jan 28, 2026 Barclays MAINTAIN Overweight Overweight
Jan 28, 2026 BTIG MAINTAIN Buy Buy
Jan 12, 2026 JP Morgan MAINTAIN Neutral Neutral
Jan 8, 2026 TD Cowen MAINTAIN Buy Buy
Jan 6, 2026 Barclays MAINTAIN Overweight Overweight
Jan 5, 2026 Wells Fargo MAINTAIN Overweight Overweight
Jan 2, 2026 Keefe, Bruyette & Woods MAINTAIN Outperform Outperform
Dec 22, 2025 Truist Securities MAINTAIN Hold Hold
Dec 17, 2025 Wells Fargo MAINTAIN Overweight Overweight

Monthly Consensus History

PeriodStrong BuyBuyHoldSellStrong SellBuy %Distribution
Jun 1, 202661290067%
May 1, 202661380070%
Apr 1, 202671370074%
Mar 1, 202671370074%
Feb 1, 202661380070%
Jan 1, 202651390067%
Strong BuyBuyHoldSellStrong Sell
1 members of Congress traded this stock: 0 buys, 1 sells.

Congressional Trades

DateMemberPartyChamberTypeAmountAssetDisclosed
Apr 9, 2026Josh GottheimerDHOUSESELL$15,001 - $50,000Synchrony FinancialMay 20, 2026 (42d)

No Reddit sentiment data available yet. Sentiment is analyzed from Reddit investment communities on a rolling basis.

Jun 11, 2026
short_volume
Short Volume: SYF — 57.9% short (0.6M / 1.1M)
Short: 616,458 | Exempt: 3,606 | TRF Vol: 1,065,337 | Short Ratio: 57.9% | Off-exchange volume (dark pool + OTC)
Jun 10, 2026
short_volume
Short Volume: SYF — 63.3% short (0.6M / 0.9M)
Short: 582,756 | Exempt: 130 | TRF Vol: 920,417 | Short Ratio: 63.3% | Off-exchange volume (dark pool + OTC)
Jun 3, 2026
short_volume
Short Volume: SYF — 58.0% short (0.6M / 1.0M)
Short: 582,180 | Exempt: 87 | TRF Vol: 1,003,797 | Short Ratio: 58.0% | Off-exchange volume (dark pool + OTC)
May 18, 2026
dark_pool
Dark Pool: SYF — 5.8M shares, 94,002 trades
Week starting 2026-05-18. Total ATS volume: 5,788,549 shares across 94,002 trades.
May 11, 2026
dark_pool
Dark Pool: SYF — 5.7M shares, 96,599 trades
Week starting 2026-05-11. Total ATS volume: 5,678,360 shares across 96,599 trades.
May 4, 2026
dark_pool
Dark Pool: SYF — 4.7M shares, 76,982 trades
Week starting 2026-05-04. Total ATS volume: 4,653,633 shares across 76,982 trades.
Apr 29, 2026
short_volume
Short Volume: SYF — 63.6% short (0.7M / 1.1M)
Short: 706,565 | Exempt: 146 | TRF Vol: 1,110,794 | Short Ratio: 63.6% | Off-exchange volume (dark pool + OTC)
Apr 27, 2026
dark_pool
Dark Pool: SYF — 5.2M shares, 92,594 trades
Week starting 2026-04-27. Total ATS volume: 5,201,301 shares across 92,594 trades.
Apr 27, 2026
Enforcement
Miyuki Johnson v. Synchrony Bank
Court ruling from Court of Appeals for the Fourth Circuit. Docket: 25-1942
Apr 23, 2026
short_volume
Short Volume: SYF — 69.1% short (1.3M / 1.8M)
Short: 1,275,465 | Exempt: 222 | TRF Vol: 1,846,022 | Short Ratio: 69.1% | Off-exchange volume (dark pool + OTC)
Apr 22, 2026
short_interest
FTD: SYF — 70,408 shares ($5.5M) failed to deliver
Settlement: 20260422, Price: $77.63, FTD Value: $5,465,773.04, SYNCHRONY FINL COM STK (DE)
Apr 22, 2026
short_volume
Short Volume: SYF — 62.2% short (1.2M / 1.9M)
Short: 1,178,394 | Exempt: 3 | TRF Vol: 1,895,177 | Short Ratio: 62.2% | Off-exchange volume (dark pool + OTC)
Apr 21, 2026
earnings_calendar
SYF Q1 2026 Earnings Before Market Open — 2026-04-21
Apr 21, 2026
short_volume
Short Volume: SYF — 60.4% short (1.5M / 2.4M)
Short: 1,475,060 | Exempt: 2,341 | TRF Vol: 2,441,602 | Short Ratio: 60.4% | Off-exchange volume (dark pool + OTC)
Apr 20, 2026
short_volume
Short Volume: SYF — 75.6% short (1.4M / 1.8M)
Short: 1,389,595 | Exempt: 2,873 | TRF Vol: 1,837,306 | Short Ratio: 75.6% | Off-exchange volume (dark pool + OTC)
Apr 20, 2026
dark_pool
Dark Pool: SYF — 8.2M shares, 122,414 trades
Week starting 2026-04-20. Total ATS volume: 8,173,165 shares across 122,414 trades.