November 04, 2025 a 09:00 pm
SYF: Analysts Ratings - Synchrony Financial
Synchrony Financial stands as a significant player in the consumer financial services industry, with a diverse portfolio that encompasses consumer credit products, banking services, and tailored financing solutions. Recent analyst ratings show a stable sentiment with consistent Buy recommendations, suggesting growing confidence in its strategic direction and performance in the credit market. However, the presence of Hold ratings indicates a cautious optimism among analysts, possibly due to broader economic uncertainties.
Historical Stock Grades
The latest data for Synchrony Financial as of November 2025 shows a mixed sentiment among analysts. The company has received a total of 23 ratings comprising 3 Strong Buy, 12 Buy, 7 Hold, no Sell, and 1 Strong Sell. This variety of ratings reflects a cautious optimism, with a significant leaning toward Buy recommendations, indicating a positive outlook for the company's future performance.
| Recommendation | Count | Score |
|---|---|---|
| Strong Buy | 3 | |
| Buy | 12 | |
| Hold | 7 | |
| Sell | 0 | |
| Strong Sell | 1 |
Sentiment Development
Over recent months, the sentiment around Synchrony Financial has experienced subtle shifts. The total number of ratings has remained relatively stable, but notable within the individual category trends, we see fluctuations. There has been a slight decrease in Strong Buy ratings, stabilizing around the level of 3-4, while Buy ratings have remained relatively high.
- Strong Buy ratings showed a decrease from initial levels of 6-7 to present 3.
- Buy ratings peaked at 12, signifying stable confidence.
- Hold ratings have shown slight volatility but hovered close to the current level of 7-8.
Percentage Trends
The percentage distribution of analyst ratings over the past months provides a detailed view of sentiment dynamics. Notable changes include:
- Strong Buy percentages reduced from approximately 20% to around 13% indicating a slight decrease in bullish sentiment.
- Buy ratings have consistently represented approximately 60-65% of total ratings.
- Hold ratings have shown a slight increase, indicating growing caution, now making 30% of the total.
- In conclusion, despite a minor reduction in bullishness, the sustained Buy ratings reflect adequate confidence amidst economic complexities.
Latest Analyst Recommendations
Recent analyst activities reflect a stable outlook for Synchrony Financial. The table below highlights the last five recommendations, showcasing a trend of consistent sentiment:
| Date | New Recommendation | Last Recommendation | Publisher |
|---|---|---|---|
| 2025-10-17 | Hold | Hold | Truist Securities |
| 2025-10-16 | Overweight | Overweight | Wells Fargo |
| 2025-10-16 | Overweight | Overweight | Barclays |
| 2025-10-16 | Buy | Buy | BTIG |
| 2025-10-10 | Buy | Hold | HSBC |
Analyst Recommendations with Change of Opinion
Analyzing recent changes in recommendations provides insight into shifting market perspectives. Some analysts have adjusted their view, indicating market dynamics influencing opinion:
| Date | New Recommendation | Last Recommendation | Publisher |
|---|---|---|---|
| 2025-10-10 | Buy | Hold | HSBC |
| 2025-10-07 | Neutral | Overweight | JP Morgan |
| 2025-07-14 | Buy | Neutral | BTIG |
| 2025-04-07 | Equal Weight | Overweight | Morgan Stanley |
| 2025-01-28 | Neutral | Buy | Compass Point |
Interpretation
The current analyst ratings for Synchrony Financial reflect a nuanced trading sentiment. The persistence of Buy ratings indicates analysts identify potential growth and resilience in the company's financial performance. The slight increase in Hold ratings suggests caution, potentially due to economic variability or sector-specific challenges. Nonetheless, the absence of significant Sell ratings underscores a broader belief in the company's capacity to navigate market conditions effectively.
Conclusion
Synchrony Financial attracts a balanced analyst sentiment, showing both optimism and cautiousness. The ratings suggest the company is in a stable position, with opportunities for growth as evident in its diverse product offerings and partnerships. However, the cautious Hold ratings hint at potential volatility or external economic pressures influencing future performance. Investors may view this stability as an opportunity for long-term gain, aligned with market conditions and corporate strategies.