HSBC has upgraded Synchrony Financial (SYF) from Hold to Buy, signaling a more optimistic outlook for the financial services company. This upgrade, effective October 9, 2025, comes as Synchrony Financial's current stock price stands at $74.89.
The move underscores a shift in analyst sentiment, which may reflect improved fundamentals or better-than-expected business performance. Synchrony Financial, headquartered in Stamford, Connecticut, offers a wide range of consumer financial services, including private label and general-purpose credit cards, installment loans, and savings products through Synchrony Bank. The firm manages its credit offerings across five sales platforms, serving a diverse clientele that includes national retailers and healthcare providers.
As of November 20, 2025, Synchrony Financial boasts a market cap of $26.1 billion, a P/E ratio of 7.31, and an impressive dividend yield of 165.4%. The company has consistently exceeded earnings expectations, with a notable 27.3% surprise in Q3 2025, reporting an EPS of $2.86 against an estimate of $2.25.
Looking ahead, analysts anticipate upcoming earnings on July 20, 2026, with an EPS estimate of $2.31 and revenue projected at $4.7 billion. Analyst consensus currently stands at 6 Strong Buy, 13 Buy, and 8 Hold ratings, reflecting a general confidence in the company’s prospects.
Analyst ratings and price targets offer valuable insights based on extensive research. However, they are based on assumptions that may not always hold true. Investors should consider a range of factors, including company fundamentals and industry trends, when making decisions. Analyst opinions should complement, not dictate, investment strategies.
The announcement highlights the evolving landscape of Synchrony Financial, which continues to adapt and thrive in the competitive financial services sector.