Synchrony Financial (SYF) is down 3.6% today. Here is some analysis on what might have caused this price movement.

Analysis: The most likely driver appears to be renewed concern about consumer credit performance rather than a fresh negative corporate announcement. Recent disclosures showed mixed but still elevated credit metrics, and that can pressure card lenders when investors grow more cautious on household spending and credit quality.

Details:

  • Synchrony’s second-quarter update in July showed net earnings of $885 million, or $2.59 per diluted share, while management said credit discipline helped keep net charge-offs below its long-term target range.
  • In the company’s monthly credit statistics released with that update, the June 30-plus delinquency rate was 4.2%, and the adjusted net charge-off rate was 5.2%, indicating credit costs remain meaningful even as trends improved from earlier periods.
  • Market commentary this week highlighted July trust data that pointed to a small month-over-month uptick in charge-offs, which may have reinforced caution around the consumer finance group.
  • No major negative press release or new SEC filing tied directly to today’s drop was easy to identify, so part of the move could be broader sector weakness tied to worries about consumer credit and spending.

    • Sources:

    Synchrony Financial, SEC, Regal Discount Securities

    Disclaimer: This price movement analysis was generated with the help of AI. Please double-check the information provided for mistakes.

    $SYF Insider Trading Activity

    SYF Insider Trades

    $SYF insiders have traded $SYF stock on the open market 17 times in the past 6 months. Of those trades, 0 have been purchases and 17 have been sales.

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    Here’s a breakdown of recent trading of $SYF stock by insiders over the last 6 months:

    • BRIAN D DOUBLES (See remarks) has made 0 purchases and 3 sales selling 217,554 shares for an estimated $14,941,868.
    • BRIAN J. SR. WENZEL (See remarks) has made 0 purchases and 2 sales selling 66,692 shares for an estimated $4,489,803.
    • JONATHAN S MOTHNER (See remarks) has made 0 purchases and 2 sales selling 51,258 shares for an estimated $3,651,107.
    • ALBERTO CASELLAS (See remarks) has made 0 purchases and 3 sales selling 25,649 shares for an estimated $1,854,966.
    • CURTIS HOWSE (See remarks) has made 0 purchases and 2 sales selling 16,318 shares for an estimated $1,179,466.
    • CAROL JUEL (See remarks) sold 16,859 shares for an estimated $1,141,522
    • BART SCHALLER (See remarks) sold 12,980 shares for an estimated $878,875
    • ARTHUR W JR COVIELLO sold 4,000 shares for an estimated $306,200
    • COURTNEY GENTLEMAN (See remarks) sold 4,338 shares for an estimated $293,725
    • DARRELL OWENS (See remarks) sold 3,865 shares for an estimated $261,699

    To track insider transactions, check out Quiver Quantitative’s insider trading dashboard. You can access data on insider stock transactions through the Quiver Quantitative API insider transaction endpoint.

    $SYF Hedge Fund Activity

    We have seen 523 institutional investors add shares of $SYF stock to their portfolio, and 508 decrease their positions in their most recent quarter.

    Here are some of the largest recent moves:

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    To track hedge funds’ stock portfolios, check out Quiver Quantitative’s institutional holdings dashboard. You can access data on hedge funds moves and 13F filings through the Quiver Quantitative API 13F endpoint.

    $SYF Congressional Stock Trading

    Members of Congress have traded $SYF stock 2 times in the past 6 months. Of those trades, 1 have been purchases and 1 have been sales.

    Here’s a breakdown of recent trading of $SYF stock by members of Congress over the last 6 months:

    To track congressional stock trading, check out Quiver Quantitative’s congressional trading dashboard. You can access data on congressional stock trades through the Quiver Quantitative API Congress trades endpoint.

    $SYF Price Targets

    Multiple analysts have issued price targets for $SYF recently. We have seen 10 analysts offer price targets for $SYF in the last 6 months, with a median target of $85.0.

    Here are some recent targets:

    • Moshe Orenbuch from TD Cowen set a target price of $90.0 on 07/07/2026
    • Erika Najarian from UBS set a target price of $84.0 on 07/07/2026
    • Dominick Gabriele from Loop Capital set a target price of $81.0 on 05/22/2026
    • Brian Foran from Truist Securities set a target price of $82.0 on 04/23/2026
    • Terry Ma from Barclays set a target price of $93.0 on 04/22/2026
    • Brennan Crowley from Baird set a target price of $86.0 on 04/22/2026
    • Donald Fandetti from Wells Fargo set a target price of $95.0 on 04/09/2026

    This article is not financial advice. See Quiver Quantitative’s disclaimers for more information. Note that there may be inaccuracies due to mistakes in ticker-mapping, and other anomalies.


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