Synchrony Financial (NYSE: SYF)’s stock price has plunge by -0.59%relation to previous closing price of $69.7. Nevertheless, the company has seen a 3.82% surge in its stock price over the last five trading sessions. zacks.com reported 2025-07-02 that Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
Is It Worth Investing in Synchrony Financial (NYSE: SYF) Right Now?
Synchrony Financial (NYSE: SYF) has a price-to-earnings ratio that is above its average at 9.51x. The stock has a 36-month beta value of 1.48. Opinions on the stock are mixed, with 10 analysts rating it as a “buy,” 4 as “overweight,” 8 as “hold,” and 0 as “sell.”
The public float for SYF is 378.91M, and at present, short sellers hold a 4.10% of that float. On July 09, 2025, the average trading volume of SYF was 3.99M shares.
SYF’s Market Performance
SYF stock saw an increase of 3.82% in the past week, with a monthly gain of 20.61% and a quarterly increase of 58.16%. The volatility ratio for the week is 2.31%, and the volatility levels for the last 30 days are 2.13% for Synchrony Financial (SYF). The simple moving average for the last 20 days is 7.55% for SYF stock, with a simple moving average of 16.59% 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 15.65% 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 -2.31% of loss for the given period.
Insider Trading
Reports are indicating that there were more than several insider trading activities at SYF starting from Howse Curtis, who sale 11,380 shares at the price of $65.00 back on Jun 24 ’25. After this action, Howse Curtis now owns 108,062 shares of Synchrony Financial, valued at $739,700 using the latest closing price.
NAYLOR JEFFREY G, the Director of Synchrony Financial, sale 10,000 shares at $65.00 during a trade that took place back on Jun 24 ’25, which means that NAYLOR JEFFREY G is holding 78,570 shares at $650,000 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.
Currently, EBITDA for the company is 9.67 billion with net debt to EBITDA at -1.92. When we switch over and look at the enterprise to sales, we see a ratio of 1.21. The liquidity ratio also appears to be rather interesting for investors as it stands at 3.83.
Conclusion
To sum up, Synchrony Financial (SYF) has seen a better performance recently. Analysts have differing views on the stock, with some seeing it as a “buy” and others as a “hold”. It is worth mentioning that the stock is currently trading in close proximity to its 50-day moving average and its 52-week high.
