Synchrony Financial에 대한 매도 수량은 투자자에게 Synchrony Financial의 주식 하락에 베팅하는 정도를 알려줍니다. 매도 수량 데이터는 2주마다 업데이트됩니다.

Synchrony Financial (NYSE:SYF) 주식, 공매도 수량 보고

Synchrony Finl

Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).

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이번 실적 시즌에는 매수할 주식 18개, 매도할 주식 7개: 골드만삭스는 올해를 &#39;주식 선택자의 해&#39;

Synchrony Financial

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Synchrony Financial 8.25% PRF PERPETUAL USD 25 - Dep rep 1/40 Ser B

Synchrony Financial Depositary Shares, each Representing a 1/40th Interest in a Share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A

Synchrony Financial Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

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Truist Securities analyst Brian Foran maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Hold and raises the price target from $72 to $77.

Truist Securities Maintains Hold on Synchrony Finl, Raises Price Target to $77

During the last three months, 12 analysts shared their evaluations of Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), revealing diverse outlooks from bullish to bearish.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">4</td>
<td align="right">4</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">1</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $76.29, a high estimate of $85.00, and a low estimate of $66.00. Witnessing a positive shift, the current average has risen by 18.0% from the previous average price target of $64.65.
<img src="https://www.benzinga.com/files/images/story/2025/1738188021_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
The perception of Synchrony Finl by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Karl Shepard</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$73.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Neutral</td>
<td>$70.00</td>
<td>-</td>
</tr>
<tr>
<td>Mihir Bhatia</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$85.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Eric Wasserstrom</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$66.00</td>
<td>$58.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$82.00</td>
<td>$72.50</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Hold</td>
<td>$72.00</td>
<td>-</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$79.00</td>
<td>$59.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Buy</td>
<td>$77.00</td>
<td>$60.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Outperform</td>
<td>$82.00</td>
<td>$62.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Overweight</td>
<td>$72.00</td>
<td>$59.00</td>
</tr>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$85.00</td>
<td>$60.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$72.50</td>
<td>$64.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Synchrony Finl. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Synchrony Finl compared to the broader market.</li>
<li>Price Targets: Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.</li>
</ul>
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Synchrony Finl's market position. Stay informed and make well-informed decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/SYF/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Synchrony Finl analyst ratings.</a>
<h2>Delving into Synchrony Finl's Background</h2>
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
<h3>Synchrony Finl: Financial Performance Dissected</h3>
Market Capitalization Analysis: With an elevated market capitalization, the company stands out above industry averages, showcasing substantial size and market acknowledgment.
Revenue Growth: Synchrony Finl's revenue growth over a period of 3 months has been noteworthy. As of 30 September, 2024, the company achieved a revenue growth rate of approximately 9.76%. This indicates a substantial increase in the company's top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Net Margin: Synchrony Finl's net margin is impressive, surpassing industry averages. With a net margin of 20.14%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): Synchrony Finl's ROE excels beyond industry benchmarks, reaching 5.28%. This signifies robust financial management and efficient use of shareholder equity capital.
Return on Assets (ROA): Synchrony Finl's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.64%, the company may face hurdles in achieving optimal financial performance.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 1.06.
<h2>The Core of Analyst Ratings: What Every Investor Should Know</h2>
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.
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Forecasting The Future: 12 Analyst Projections For Synchrony Finl

Synchrony Financial shares are trading higher after RBC Capital raised its price target on the stock from $70 to $73.

RBC Capital analyst Karl Shepard maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Sector Perform and raises the price target from $70 to $73.

RBC Capital Maintains Sector Perform on Synchrony Finl, Raises Price Target to $73

Compass Point analyst David Rochester downgrades Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) from Buy to Neutral and announces $70 price target.

Downgrades

Compass Point Downgrades Synchrony Finl to Neutral, Announces $70 Price Target

B of A Securities analyst Mihir Bhatia maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Buy and raises the price target from $82 to $85.

B of A Securities Maintains Buy on Synchrony Finl, Raises Price Target to $85

Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) shares are trading lower premarket on Tuesday. The company reported&nbsp;fourth-quarter&nbsp;net interest income that rose 2.8% year-over-year to $4.59 billion,&nbsp;<a target="_blank" href="https://www.benzinga.com/pressreleases/25/01/n43260147/synchrony-reports-fourth-quarter-2024-results" rel="noreferrer noopener">beating the consensus of&nbsp;$4.46 billion</a>.
Higher interest and fees on loans drove net interest income growth. Net revenue rose&nbsp;3.9%&nbsp;Y/Y to&nbsp;$3.801 billion, while net interest margin declined <a target="_blank" href="https://d1io3yog0oux5.cloudfront.net/_e50d7e6dcf0a9b23cfae3afb4db60044/synchrony/db/3606/33812/earnings_release/Earnings+Press+Release+with+Financial+Tables+%284Q%2724%29.pdf" rel="noreferrer noopener">9 </a>basis points to 15.01% in the quarter.
Period-end loan receivables rose&nbsp;1.7%&nbsp;Y/Y to&nbsp;$104.7 billion, and purchase volume declined&nbsp;2.8% Y/Y&nbsp;to&nbsp;$48 billion in the quarter.
Interest and fees on loans increased 3%&nbsp;Y/Y to&nbsp;$5.5 billion, driven by average loan receivables growth, impact of product and pricing and policy changes.
Synchrony's average active accounts declined 2% Y/Y to 70.3 million, but deposits grew&nbsp;1%&nbsp;Y/Y to&nbsp;$82.1 billion&nbsp;in the quarter.
SYF returned&nbsp;$197 million&nbsp;in capital to shareholders, including&nbsp;$100 million&nbsp;in share repurchases and&nbsp;$97 million&nbsp;in common stock dividends.
Provision for credit losses was&nbsp;$1.6 billion, a decrease of&nbsp;$243 million&nbsp;led by a reserve release of $100 million.
Net earnings increased&nbsp;76%&nbsp;Y/Y to&nbsp;$774 million. The company reported EPS of&nbsp;$1.91, <a target="_blank" href="https://www.benzinga.com/earnings" rel="noreferrer noopener">missing the consensus of&nbsp;$1.93</a>.
Synchrony's return on assets increased 110 bps to&nbsp;2.6%, while the efficiency ratio declined 270 basis points to&nbsp;33.3%.
The estimated Common Equity Tier 1 ratio was&nbsp;13.3%, compared to&nbsp;12.2%&nbsp;in the prior year, and the estimated Tier 1 Capital ratio was&nbsp;14.5%, compared to&nbsp;12.9%&nbsp;in the prior year.
During the quarter, Synchrony added or renewed around 30 programs, including Generac and P.C. Richard &amp; Son.
In January, the company expanded its collaboration with Sam's Club and extended its nearly 25-year partnership with JCPenney, which now includes Synchrony Pay Later.
Brian Wenzel, Synchrony's Executive Vice President and Chief Financial Officer, stated, "While Synchrony's credit actions between mid-2023 through early 2024 continued to impact our new account and purchase volume growth during the fourth quarter, our customers continued to seek access to our flexible financing solutions — reflecting the strong appeal of our value propositions and utility of our offerings in a persistently inflationary environment.&#8221;
&#8221;Importantly, Synchrony's credit actions also enabled further improvement in the trajectory of our delinquency performance and, as a result, we remain confident in our ability to return to our long-term net charge-off target.&#8221;
&#8221;In addition, our RSA maintained the alignment of the interests between Synchrony and our partners, and Synchrony drove operating efficiency even as we continued to invest in our business.&#8221;
FY25&nbsp;Outlook: Synchrony expects net revenue of $15.2 billion &#8211; $<a target="_blank" href="https://d1io3yog0oux5.cloudfront.net/_e50d7e6dcf0a9b23cfae3afb4db60044/synchrony/db/3606/33812/presentation/4Q%2724+Earnings+Presentation_vF.pdf" rel="noreferrer noopener">15.7 </a>billion, period-end loan receivables growth in low single-digits and <a target="_blank" href="https://www.benzinga.com/calendars/guidance" rel="noreferrer noopener">efficiency ratio of 31.5% &#8211; 32.5%</a>.
Investors can gain exposure to the stock via iShares FinTech Active ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BPAY#NYSE">BPAY</a>) and First Trust Dorsey Wright Momentum &amp; Value ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DVLU#NASDAQ">DVLU</a>).
Price Action: SYF shares are down 3.92% at $67.12 premarket at the last check Tuesday.
Read Next:
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Synchrony Financial Q4: Earnings Miss, Lower Purchase Volume, Active Accounts Decline And More

Synchrony Financial shares are trading lower following mixed Q4 financial results.

Synchrony Financial Reports Q4 2024 Return On Assets Increased 110 Basis Points To 2.6% And Return On Equity Increased 650 Basis Points To 18.9%

Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) reported quarterly earnings of $1.91 per share which missed the analyst consensus estimate of $1.93 by 1.04 percent. This is a 85.44 percent increase over earnings of $1.03 per share from the same period last year. The company reported quarterly sales of $4.59 billion which beat the analyst consensus estimate of $4.46 billion by 2.96 percent. This is a 2.82 percent increase over sales of $4.47 billion the same period last year.

Synchrony Finl Q4 2024 GAAP EPS $1.91 Misses $1.93 Estimate, Sales $4.59B Beat $4.46B Estimate

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• Lockheed Martin (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LMT#NYSE">LMT</a>) is projected to report quarterly earnings at $6.54 per share on revenue of $18.75 billion. 
• General Motors (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GM#NYSE">GM</a>) is likely to report quarterly earnings at $1.68 per share on revenue of $41.55 billion. 
• Popular (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BPOP#NASDAQ">BPOP</a>) is projected to report quarterly earnings at $2.11 per share on revenue of $750.00 million. 
<h3>Companies Reporting After The Bell</h3>
• Alerus Finl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ALRS#NASDAQ">ALRS</a>) is projected to report quarterly earnings at $0.28 per share on revenue of $63.09 million. 
• Packaging Corp of America (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PKG#NYSE">PKG</a>) is likely to report quarterly earnings at $2.53 per share on revenue of $2.13 billion. 
• Stryker (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYK#NYSE">SYK</a>) is estimated to report quarterly earnings at $3.87 per share on revenue of $6.36 billion. 
• Stride (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LRN#NYSE">LRN</a>) is estimated to report quarterly earnings at $1.97 per share on revenue of $569.76 million. 
• UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) is expected to report quarterly earnings at $2.26 per share on revenue of $412.27 million. 
• Starbucks (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SBUX#NASDAQ">SBUX</a>) is estimated to report quarterly earnings at $0.68 per share on revenue of $9.32 billion. 
• Trustmark (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRMK#NASDAQ">TRMK</a>) is estimated to report quarterly earnings at $0.83 per share on revenue of $195.03 million. 
• Veritex Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VBTX#NASDAQ">VBTX</a>) is projected to report quarterly earnings at $0.55 per share on revenue of $112.22 million. 
• First Commonwealth (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FCF#NYSE">FCF</a>) is projected to report quarterly earnings at $0.35 per share on revenue of $119.92 million. 
• Merchants Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MBIN#NASDAQ">MBIN</a>) is estimated to report quarterly earnings at $1.30 per share on revenue of $158.80 million. 
• F5 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FFIV#NASDAQ">FFIV</a>) is estimated to report quarterly earnings at $3.38 per share on revenue of $716.48 million. 
• Primis Finl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FRST#NASDAQ">FRST</a>) is likely to report quarterly earnings at $0.11 per share on revenue of $24.78 million. 
• Houlihan Lokey (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HLI#NYSE">HLI</a>) is likely to report quarterly earnings at $1.49 per share on revenue of $594.64 million. 
• Hanmi Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HAFC#NASDAQ">HAFC</a>) is likely to report quarterly earnings at $0.52 per share on revenue of $61.52 million. 
• Qorvo (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QRVO#NASDAQ">QRVO</a>) is likely to report quarterly earnings at $1.21 per share on revenue of $910.83 million. 
• Littelfuse (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LFUS#NASDAQ">LFUS</a>) is estimated to report quarterly earnings at $2.04 per share on revenue of $525.10 million. 
• Ashland (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ASH#NYSE">ASH</a>) is likely to report quarterly earnings at $0.64 per share on revenue of $436.27 million. 
• NEXTracker (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NXT#NASDAQ">NXT</a>) is estimated to report quarterly earnings at $0.59 per share on revenue of $647.78 million. 
• Renasant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RNST#NYSE">RNST</a>) is projected to report quarterly earnings at $0.61 per share on revenue of $167.42 million. 
• RenaissanceRe Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RNR#NYSE">RNR</a>) is likely to report quarterly earnings at $7.09 per share on revenue of $2.99 billion. 
• Logitech International (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LOGI#NASDAQ">LOGI</a>) is likely to report quarterly earnings at $1.34 per share on revenue of $1.24 billion. 
• First Busey (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BUSE#NASDAQ">BUSE</a>) is expected to report quarterly earnings at $0.51 per share on revenue of $116.45 million. 
• Provident Finl Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFS#NYSE">PFS</a>) is expected to report quarterly earnings at $0.50 per share on revenue of $210.60 million. 
• LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) is likely to report quarterly earnings at $0.09 per share on revenue of $206.47 million. 
• Manhattan Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MANH#NASDAQ">MANH</a>) is likely to report quarterly earnings at $1.06 per share on revenue of $253.56 million. 
• Chubb (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CB#NYSE">CB</a>) is likely to report quarterly earnings at $5.38 per share on revenue of $10.83 billion. 
• BXP (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BXP#NYSE">BXP</a>) is likely to report quarterly earnings at $1.80 per share on revenue of $796.14 million. 
• Flushing Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FFIC#NASDAQ">FFIC</a>) is likely to report quarterly earnings at $0.22 per share on revenue of $45.98 million. 
• Axos Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AX#NYSE">AX</a>) is expected to report quarterly earnings at $1.75 per share on revenue of $303.63 million. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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Earnings Scheduled For January 28, 2025

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Shares of companies within the banking and financial sector are trading lower amid overall market weakness as investors react to developments regarding advancements in Chinese artificial intelligence. Additionally, investors could be assessing the economic impact of potential tariffs and trade uncertainty.

Apple Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) is reportedly exploring new partnerships to take over from Goldman Sachs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GS#NYSE">GS</a>) as its <a href="https://www.benzinga.com/government/24/10/41501333/apple-goldman-sachs-fined-89-million-over-apple-card-missteps-government-watchdog-orders-victim-comp">credit card partner</a>.
What Happened: The discussions with Barclays (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BCS#NYSE">BCS</a>) have been ongoing for several months, but a deal may still take time to finalize, reported Reuters.
Apple has also engaged Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) in discussions regarding the card partnership.
Apple, Barclays, and Synchrony did not immediately respond to <a href="https://pro.benzinga.com/dashboard">Benzinga's</a> request for comments.
See Also: <a href="https://www.benzinga.com/25/01/42993561/is-openais-chatgpt-about-to-make-amazons-alexa-apples-siri-and-google-assistant-a-thing-of-the-past" target="_blank" rel="noreferrer noopener">Siri, Alexa And Google Assistant May Become A Thing Of The Past Thanks To ChatGPT Tasks — Here's How To Use The New Feature</a>
JPMorgan Chase (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>) has also been in <a href="https://www.benzinga.com/news/24/09/40907844/jpmorgan-in-talks-to-take-over-apple-credit-card-what-investors-need-to-know">talks with Apple since last year</a>.
Why It Matters: This discussion comes as Goldman Sachs, which launched the credit card with Apple in 2019, has decided to <a href="https://www.benzinga.com/news/23/10/35262321/goldman-sachs-wants-to-opt-out-of-consumer-lending-including-apple-card-general-motors-card">step back from its consumer finance</a> ambitions.&nbsp;
Goldman&#8217;s current credit card agreement with Apple is set to last until 2030, but it might conclude earlier.
Internal challenges and financial difficulties have prompted the bank to reevaluate its position in the consumer finance sector.
This strategic shift aligns with Goldman&#8217;s decision to transfer its General Motors credit card business to Barclays.
Several financial institutions are interested in partnering with Apple. However, some view the original deal terms as risky and unprofitable, the report noted.
Price Action: Apple&#8217;s shares rose 1.97% on Wednesday, closing at $237.87. In after-hours trading, they climbed an additional 0.31% to reach $238.60, according to <a href="https://pro.benzinga.com/dashboard">Benzinga Pro data</a>.
Read Next:
<ul>
<li><a href="https://www.benzinga.com/news/25/01/42900737/stephen-king-slams-elon-musks-h-1b-visa-stance-musk-thinks-smart-immigrants-can-stay-the-rest-of-you-washing-dishes-get-lost" target="_blank" rel="noreferrer noopener">Stephen King Slams Elon Musk's H-1B Visa Stance: ‘Musk Thinks Smart Immigrants Can Stay – The Rest of You Washing Dishes … Get Lost'</a></li>
</ul>
Disclaimer:&nbsp;This content was partially produced with the help of&nbsp;<a href="https://www.benzinga.com/author/benzinga-neuro" target="_blank" rel="noreferrer noopener">Benzinga Neuro</a>&nbsp;and was reviewed and published by Benzinga editors.

Apple Eyes Barclays And Synchrony To Replace Goldman Sachs As Credit Card Partner: Report

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Shares of banking and financial services stocks are trading higher following strong bank earnings.

UBS analyst Eric Wasserstrom maintains Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Neutral and raises the price target from $58 to $66.

UBS Maintains Neutral on Synchrony Finl, Raises Price Target to $66

Press Releases

Synchrony Renews 30-Year Relationship Dedicated to Enhancing Credit and Shopping Experiences with Sam's Club

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Synchrony Reports Fourth Quarter 2024 Results

SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Synchrony Financial - SYF

Synchrony to Participate in the UBS Financial Services Conference

INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Synchrony Financial - SYF

SYF Investors Have Opportunity to Join Synchrony Financial Fraud Investigation with the Schall Law Firm

Synchrony Makes a Big Splash in Connecticut Celebrating a Decade of Polar Plunges to Support Charity

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