Baird Downgrades Synchrony Financial (SYF) To Neutral, Maintains Price Target of $82

Synchrony Financial (NYSE:SYF) is among the Top 15 Lowest P/E Ratios of the S&P 500 in 2025. On December 5, Baird downgraded the stock to Neutral from Outperform, while maintaining its earlier price target of $82.

According to TipRanks, the firm told investors in a research note that despite being a recognized bank, it was ‘tough to chase’ its shares, given the stock’s recent rally and its exposure to lower-end consumers.

In other related news, on November 21, BTIG reiterated its Buy rating on the stock with a share price target of $100. The reaffirmation followed the research firm’s October update, after the company comfortably beat consensus earnings estimates in the third quarter.

During the earnings call, Synchrony’s Executive Vice President and CFO, Brian Wenzel, mentioned that improvements in payment rates and credit mix were resulting in reduced interest and fees, because of which the company cut its net revenue forecast for fiscal 2025 to between $15 billion and $15.1 billion, from the prior range of $15 billion to $15.3 billion.

BTIG said that while a weaker revenue outlook for the full year may have hurt investor sentiment, the factors contributing to the decline were likely to accelerate growth for Synchrony Financial (NYSE:SYF) in fiscal 2026.

As of the close of business on December 5, the stock’s consensus opinion is broadly positive based on the recommendations of 23 Wall Street analysts. SYF has a one-year average share price target of $83.13, representing an upside potential of 3.4%.

Synchrony Financial (NYSE:SYF) is a consumer financial services company serving individuals and businesses for nearly 100 years. The stock has had an impressive run in 2025, returning 24% year-to-date.

While we acknowledge the potential of SYF as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock.

READ NEXT: 10 Best Drone Stocks to Buy Right Now and 8 Best Small-Cap Defense Stocks to Buy Right Now 

Disclosure: None.