---
title: "Research Alert: CFRA Lowers Opinion On Shares Of Synchrony Financial To Hold From Buy"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/286604179.md"
description: "CFRA has downgraded Synchrony Financial's stock rating from Buy to Hold, lowering the 12-month target price to $79. Adjusted EPS estimates for 2026 and 2027 have been reduced due to concerns over credit quality amid negative real wage growth. Despite recent strong performance, risks remain due to SYF's exposure to middle-income consumers and high inflation. However, the company's retailer agreements and the Walmart partnership may provide growth opportunities."
datetime: "2026-05-15T19:10:00.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/286604179.md)
  - [en](https://longbridge.com/en/news/286604179.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/286604179.md)
---

# Research Alert: CFRA Lowers Opinion On Shares Of Synchrony Financial To Hold From Buy

03:10 PM EDT, 05/15/2026 (MT Newswires) -- CFRA, an independent research provider, has provided MT Newswires with the following research alert. Analysts at CFRA have summarized their opinion as follows:

We lower our 12-month target price by $24 to $79, applying a forward P/E of 7.6x our 2027 EPS estimate, below the peer average of 10.4x given SYF's lower FICO score customer base. We decrease our 2026 adjusted EPS estimate to $9.33 from $9.55 and reduce 2027's to $10.46 from $10.70. We lower our outlook due to concerns about credit quality, as real wage growth has turned negative. While SYF has delivered strong recent performance, with net charge-offs declining Y/Y for four consecutive quarters, we believe this trend may now reverse given SYF's exposure to middle-income consumers and inflation reaching three-year highs. However, two factors provide some offset. First, SYF's retailer share agreements are structured to adjust based on credit performance, meaning the company's costs should decline if credit quality worsens, providing a natural hedge. Second, the recently recaptured Walmart partnership remains a compelling long-term growth driver, and we expect it to become one of SYF's top partnerships.

MT Newswires does not provide investment advice. Unauthorized reproduction is strictly prohibited.

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