Synchrony Financial (NYSE: SYF) has seen a decline in its stock price by -1.62 in relation to its previous close of 61.27. However, the company has experienced a -0.79% decline in its stock price over the last five trading sessions. seekingalpha.com reported 2025-06-16 that I prefer Synchrony Financial’s Series A preferred shares over Series B, given the likelihood of lower interest rates and capital appreciation potential. SYF’s strong interest income and resilient asset yields offset rising borrowing costs, though net interest margin has declined slightly in recent quarters. Loan balances dropped in Q1, but deposit growth improved the loan-to-deposit ratio; increased external borrowing suggests potential for future loan growth.
Is It Worth Investing in Synchrony Financial (NYSE: SYF) Right Now?
The price-to-earnings ratio for Synchrony Financial (NYSE: SYF) is 8.28x, which is above its average ratio. Moreover, the 36-month beta value for SYF is 1.43. Analysts have varying opinions on the stock, with 9 analysts rating it as a “buy,” 5 as “overweight,” 8 as “hold,” and 0 as “sell.”
The public float for SYF is 378.91M and currently, short sellers hold a 4.08% of that float. On June 18, 2025, SYF’s average trading volume was 4.42M shares.
SYF’s Market Performance
SYF stock saw a decrease of -0.79% in the past week, with a monthly decline of -0.86% and a quarterly a decrease of 13.63%. The volatility ratio for the week is 2.16%, and the volatility levels for the last 30 days are 2.08% for Synchrony Financial (SYF). The simple moving average for the last 20 days is 1.96% for SYF stock, with a simple moving average of 3.49% for the last 200 days.
Analysts’ Opinion of SYF
Many brokerage firms have already submitted their reports for SYF stocks, with Morgan Stanley repeating the rating for SYF by listing it as a “Equal-Weight.” The predicted price for SYF in the upcoming period, according to Morgan Stanley is $44 based on the research report published on April 07, 2025 of the current year 2025.
Compass Point, on the other hand, stated in their research note that they expect to see SYF reach a price target of $70. The rating they have provided for SYF stocks is “Neutral” according to the report published on January 28th, 2025.
Barclays gave a rating of “Overweight” to SYF, setting the target price at $79 in the report published on January 06th of the current year.
SYF Trading at 9.52% from the 50-Day Moving Average
After a stumble in the market that brought SYF to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -15.01% of loss for the given period.
Insider Trading
Reports are indicating that there were more than several insider trading activities at SYF starting from MOTHNER JONATHAN S, who sale 40,639 shares at the price of $60.07 back on May 19 ’25. After this action, MOTHNER JONATHAN S now owns 146,628 shares of Synchrony Financial, valued at $2,441,185 using the latest closing price.
MOTHNER JONATHAN S, the Officer of Synchrony Financial, proposed sale 40,639 shares at $60.07 during a trade that took place back on May 19 ’25, which means that MOTHNER JONATHAN S is holding shares at $2,441,185 based on the most recent closing price.
Stock Fundamentals for SYF
Current profitability levels for the company are sitting at:
- 0.57 for the present operating margin
- 0.8 for the gross margin
The net margin for Synchrony Financial stands at 0.16. The total capital return value is set at 0.27. Equity return is now at value 18.60, with 2.44 for asset returns.
Based on Synchrony Financial (SYF), the company’s capital structure generated 0.51 points at debt to capital in total, while cash flow to debt ratio is standing at 0.58. The debt to equity ratio resting at 1.03. The interest coverage ratio of the stock is 2.27.
When we switch over and look at the enterprise to sales, we see a ratio of 1.02. The liquidity ratio also appears to be rather interesting for investors as it stands at 3.83.
Conclusion
To wrap up, the performance of Synchrony Financial (SYF) has been mixed in recent times. The stock has received a bullish of “buy” and “hold” ratings from analysts. It is worth mentioning that the stock is currently trading in close proximity to its 50-day moving average and its 52-week high.
