Synchrony Financial (NYSE:SYF) Issues FY 2026 Earnings Guidance

Synchrony Financial (NYSE:SYF) updated its FY 2026 earnings guidance on Tuesday. The company provided EPS guidance of 9.100-9.500 for the period, compared to the consensus EPS estimate of 9.340. The company issued revenue guidance of -.

Wall Street Analyst Weigh In

Several analysts recently weighed in on SYF shares. UBS Group upped their price objective on Synchrony Financial from $78.00 to $79.00 and gave the stock a “neutral” rating in a research report on Tuesday, October 7th. Keefe, Bruyette & Woods boosted their target price on Synchrony Financial from $95.00 to $98.00 and gave the stock an “outperform” rating in a research note on Friday, January 2nd. Wells Fargo & Company raised their price target on shares of Synchrony Financial from $95.00 to $100.00 and gave the company an “overweight” rating in a research note on Monday, January 5th. Wall Street Zen raised shares of Synchrony Financial from a “hold” rating to a “buy” rating in a report on Saturday, January 17th. Finally, Wolfe Research started coverage on shares of Synchrony Financial in a research note on Monday, December 8th. They issued an “outperform” rating and a $92.00 price objective for the company. One investment analyst has rated the stock with a Strong Buy rating, thirteen have issued a Buy rating and nine have assigned a Hold rating to the stock. Based on data from MarketBeat, Synchrony Financial has an average rating of “Moderate Buy” and a consensus target price of $87.63.

Synchrony Financial Trading Down 6.1%

Shares of SYF stock opened at $72.79 on Wednesday. Synchrony Financial has a 1-year low of $40.54 and a 1-year high of $88.77. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 0.91. The stock has a market cap of $26.22 billion, a price-to-earnings ratio of 7.95, a PEG ratio of 0.53 and a beta of 1.43. The stock has a 50-day moving average of $80.96 and a 200-day moving average of $75.66.

Synchrony Financial Announces Dividend

The company also recently declared a quarterly dividend, which will be paid on Tuesday, February 17th. Stockholders of record on Friday, February 6th will be given a $0.30 dividend. The ex-dividend date is Friday, February 6th. This represents a $1.20 dividend on an annualized basis and a dividend yield of 1.6%. Synchrony Financial’s payout ratio is 13.10%.

Synchrony Financial announced that its board has approved a share buyback plan on Wednesday, October 15th that permits the company to repurchase $1.00 billion in outstanding shares. This repurchase authorization permits the financial services provider to repurchase up to 3.7% of its shares through open market purchases. Shares repurchase plans are generally an indication that the company’s board believes its stock is undervalued.

Insider Activity

In related news, insider Jonathan S. Mothner sold 32,000 shares of Synchrony Financial stock in a transaction on Monday, November 17th. The shares were sold at an average price of $72.80, for a total transaction of $2,329,600.00. Following the completion of the transaction, the insider owned 127,100 shares of the company’s stock, valued at $9,252,880. This trade represents a 20.11% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available at the SEC website. Also, insider Curtis Howse sold 12,086 shares of the company’s stock in a transaction on Monday, November 3rd. The shares were sold at an average price of $74.02, for a total transaction of $894,605.72. Following the sale, the insider directly owned 108,271 shares in the company, valued at $8,014,219.42. This trade represents a 10.04% decrease in their position. The SEC filing for this sale provides additional information. In the last three months, insiders have sold 55,075 shares of company stock valued at $4,036,892. 0.33% of the stock is owned by corporate insiders.

Synchrony Financial News Roundup

Here are the key news stories impacting Synchrony Financial this week:

• Positive Sentiment: Q4 earnings modestly beat expectations as efficiency improved and credit loss provisions declined, supporting EPS outperformance. Article Title
• Positive Sentiment: Purchase volume hit a company record ($49B for 2025) and management said BNPL expansion lifted sales without hurting core card business — a growth signal for future fee and interchange revenue. Article Title
• Positive Sentiment: Analyst support: TD Cowen maintained a Buy rating and $95 price target, citing compelling upside into 2027 despite near-term headwinds. That provides a potential catalyst if execution improves. Article Title
• Positive Sentiment: Company declared a quarterly common dividend of $0.30 per share (ex-dividend Feb 6), supporting income investors. Article Title
• Neutral Sentiment: Full Q4 earnings call transcript and slides are available for investors who want line-by-line management commentary on product expansion, RSA costs and reserve assumptions. Article Title
• Neutral Sentiment: Management released monthly credit performance metrics (December), which investors should monitor for trends in charge-offs and delinquencies. Article Title
• Negative Sentiment: Profit was dented by a restructuring charge and higher operating costs, which reduced headline earnings and heightened near-term expense risk. Article Title
• Negative Sentiment: Revenue came in flat/softer and the company updated FY?2026 guidance that implies limited EPS upside (management’s 2026 outlook expects headwinds from higher provisions, RSA costs and narrower margin levers). Article Title
• Negative Sentiment: Political/regulatory risk remains—proposed credit-card rate caps, while unlikely to be implemented soon, would materially hurt Synchrony’s card-based business model if enacted. Article Title

Institutional Trading of Synchrony Financial

Several large investors have recently modified their holdings of SYF. Smartleaf Asset Management LLC grew its holdings in Synchrony Financial by 3.1% in the second quarter. Smartleaf Asset Management LLC now owns 5,027 shares of the financial services provider’s stock worth $333,000 after purchasing an additional 149 shares during the period. Larson Financial Group LLC boosted its position in shares of Synchrony Financial by 22.7% during the 3rd quarter. Larson Financial Group LLC now owns 904 shares of the financial services provider’s stock worth $64,000 after purchasing an additional 167 shares in the last quarter. 44 Wealth Management LLC boosted its position in shares of Synchrony Financial by 0.8% during the 2nd quarter. 44 Wealth Management LLC now owns 24,910 shares of the financial services provider’s stock worth $1,662,000 after purchasing an additional 188 shares in the last quarter. Towarzystwo Funduszy Inwestycyjnych PZU SA grew its stake in shares of Synchrony Financial by 75.8% in the 3rd quarter. Towarzystwo Funduszy Inwestycyjnych PZU SA now owns 580 shares of the financial services provider’s stock valued at $41,000 after buying an additional 250 shares during the period. Finally, Laird Norton Wetherby Wealth Management LLC increased its position in Synchrony Financial by 4.0% in the 3rd quarter. Laird Norton Wetherby Wealth Management LLC now owns 6,670 shares of the financial services provider’s stock valued at $474,000 after buying an additional 256 shares in the last quarter. Institutional investors and hedge funds own 96.48% of the company’s stock.

About Synchrony Financial

Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.

Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences.