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

Synchrony Financial (NYSE:SYF) issued an update on its FY 2026 earnings guidance on Wednesday morning. The company provided EPS guidance of 9.500-9.500 for the period, compared to the consensus earnings per share estimate of 9.440.

Analyst Ratings Changes

Several research analysts have issued reports on the stock. Royal Bank Of Canada restated a “sector perform” rating on shares of Synchrony Financial in a report on Tuesday. Morgan Stanley lowered their target price on shares of Synchrony Financial from $84.00 to $83.00 and set an “equal weight” rating for the company in a research note on Monday, October 12th. Weiss Ratings upgraded shares of Synchrony Financial from a “buy (b-)” rating to a “buy (b)” rating in a report on Thursday, October 8th. Evercore cut shares of Synchrony Financial from an “outperform” rating to an “in-line” rating and set a $78.00 price target on the stock. in a research report on Wednesday. Finally, UBS Group dropped their price objective on Synchrony Financial from $87.00 to $81.00 and set a “neutral” rating on the stock in a research note on Monday, October 5th. Ten analysts have rated the stock with a Buy rating and nine have assigned a Hold rating to the stock. According to MarketBeat, the stock presently has an average rating of “Moderate Buy” and a consensus price target of $87.83.

Synchrony Financial Price Performance

SYF stock opened at $74.12 on Thursday. The stock has a market capitalization of $24.12 billion, a PE ratio of 7.74, a price-to-earnings-growth ratio of 0.84 and a beta of 1.35. The company’s 50-day moving average is $75.67 and its 200-day moving average is $74.67. The company has a debt-to-equity ratio of 1.15, a current ratio of 1.23 and a quick ratio of 1.22. Synchrony Financial has a 1 year low of $63.08 and a 1 year high of $88.77.

Synchrony Financial (NYSE:SYF) last issued its earnings results on Tuesday, October 20th. The financial services provider reported $2.68 EPS for the quarter, beating the consensus estimate of $2.42 by $0.26. Synchrony Financial had a return on equity of 22.26% and a net margin of 14.59%. The company had revenue of $3.82 billion during the quarter, compared to the consensus estimate of $3.81 billion. During the same period last year, the business posted $2.86 EPS. Equities research analysts expect that Synchrony Financial will post 9.50 EPS for the current fiscal year.

Synchrony Financial Dividend Announcement

The company also recently disclosed a quarterly dividend, which will be paid on Monday, November 16th. Stockholders of record on Thursday, November 5th will be issued a dividend of $0.34 per share. The ex-dividend date is Thursday, November 5th. This represents a $1.36 annualized dividend and a dividend yield of 1.8%. Synchrony Financial’s payout ratio is currently 13.93%.

More Synchrony Financial News

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

• Positive Sentiment: Q3 earnings beat expectations: Synchrony reported adjusted earnings of $2.68 per share, above consensus estimates of roughly $2.42–$2.48, while revenue of $3.82 billion was approximately in line to slightly above expectations. Profit declined from $2.86 per share a year ago because of higher costs, but the results still exceeded forecasts. Synchrony Q3 Earnings Top Estimates
• Positive Sentiment: Credit quality improved: Net charge-offs fell to about 4.79%, while early-stage delinquencies stabilized or declined. The data eased fears of a major deterioration in retail consumer credit and supported management’s view that underwriting and risk controls remain effective. Synchrony Financial Profit Falls on Higher Costs but Credit Trends Improve
• Positive Sentiment: Guidance and spending were encouraging: Synchrony maintained FY 2026 EPS guidance at approximately $9.50, above the $9.44 consensus estimate. Third-quarter purchase volume rose 8% year over year to nearly $49.7 billion, indicating continued consumer spending. The company also announced a $0.34-per-share quarterly dividend.
• Positive Sentiment: Analyst support and strategic initiatives: Barclays raised its price target to $94 and retained an overweight rating, while Synchrony’s CareCredit Pay Later launch expands consumer financing options and could support future healthcare-related volume. CareCredit Introduces CareCredit Pay Later
• Neutral Sentiment: Mixed analyst signals: JPMorgan lifted its target to $77 but kept a neutral rating. Evercore downgraded SYF from outperform to in-line with a $78 target, citing higher rates and macroeconomic volatility. These actions may limit near-term upside despite the earnings beat.
• Negative Sentiment: Profitability pressures remain: Higher expenses and a modest contraction in net interest margin weighed on results. A higher customer payment rate may also slow the conversion of strong purchase volume into interest-earning loan growth.

Synchrony Financial Company Profile

Synchrony Financial (NYSE: SYF) is a consumer financial services company that provides private-label credit cards, co-branded credit cards and promotional financing programs. Its financing products are offered through retailers, manufacturers, healthcare providers and other businesses, helping consumers pay for purchases over time.

The company serves a range of industries, including digital commerce, home improvement, furniture, automotive, healthcare, jewelry, apparel, electronics and specialty retail.