Truist Lowers Synchrony Financial (SYF) PT to $84 Following Cautious Credit Outlook, Adjusted 2026 Guidance

Synchrony Financial (NYSE:SYF) is one of the most undervalued quality stocks to buy right now. On January 29, Truist reduced the price target for Synchrony to $84 from $92 and kept a Hold rating on the shares. Following the company’s recent earnings report and subsequent guidance, the firm is adjusting its financial model and noted that the previous outlook on credit had been a little optimistic.

Following the release of Q4 2025 results, RBC Capital adjusted the price target for Synchrony to $85, down from $91, on January 28, while maintaining a Sector Perform rating. In a note to investors, the firm described the quarter as encouraging, citing year-over-year gains in credit metrics and spending volumes. Additionally, the firm noted that the 2026 outlook remains largely in line with previous expectations and recent commentary.

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On the same day, TD Cowen reduced the price target for Synchrony Financial (NYSE:SYF) to $95 from $100 with a Buy rating. The firm revised its model after the company’s Q4 2025 results showed a beat on provisions, though net interest income and operating expenses were weaker than expected, and guidance aligned with previous projections.

Synchrony Financial (NYSE:SYF), together with its subsidiaries, operates as a consumer financial services company in the US. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans.

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Disclosure: None. This article is originally published at Insider Monkey.