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

Synchrony Financial (NYSE:SYF) issued an update on its FY 2026 earnings guidance on Tuesday morning. The company provided earnings per share (EPS) guidance of 9.100-9.500 for the period, compared to the consensus estimate of 9.240. The company issued revenue guidance of -.

Synchrony Financial Price Performance

NYSE SYF traded down $0.81 on Tuesday, reaching $77.77. The company’s stock had a trading volume of 6,605,072 shares, compared to its average volume of 4,510,983. The firm has a market cap of $27.03 billion, a PE ratio of 8.37, a price-to-earnings-growth ratio of 0.69 and a beta of 1.39. The business has a 50-day moving average price of $69.70 and a 200 day moving average price of $74.63. Synchrony Financial has a 52 week low of $46.13 and a 52 week 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 0.98.

Synchrony Financial (NYSE:SYF) last posted its earnings results on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share for the quarter, beating analysts’ consensus estimates of $2.14 by $0.13. The business had revenue of $3.70 billion for the quarter, compared to analysts’ expectations of $3.81 billion. Synchrony Financial had a net margin of 15.72% and a return on equity of 23.07%. The firm’s revenue for the quarter was down 7.4% on a year-over-year basis. During the same quarter in the previous year, the firm posted $1.89 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. Sell-side analysts expect that Synchrony Financial will post 9.28 EPS for the current year.

Synchrony Financial Dividend Announcement

The company also recently declared a quarterly dividend, which was paid on Tuesday, February 17th. Shareholders of record on Friday, February 6th were given a $0.30 dividend. The ex-dividend date was Friday, February 6th. This represents a $1.20 dividend on an annualized basis and a yield of 1.5%. Synchrony Financial’s payout ratio is 12.92%.

Wall Street Analyst Weigh In

A number of equities analysts have commented on SYF shares. Wall Street Zen lowered shares of Synchrony Financial from a “buy” rating to a “hold” rating in a research report on Saturday, January 31st. Weiss Ratings restated a “buy (b-)” rating on shares of Synchrony Financial in a research report on Wednesday, January 21st. Royal Bank Of Canada reduced their price target on shares of Synchrony Financial from $91.00 to $85.00 and set a “sector perform” rating on the stock in a research report on Wednesday, January 28th. BTIG Research reiterated a “buy” rating and set a $96.00 target price on shares of Synchrony Financial in a research report on Wednesday, March 11th. Finally, Wells Fargo & Company reduced their target price on shares of Synchrony Financial from $100.00 to $95.00 and set an “overweight” rating on the stock in a research report on Thursday, April 9th. One equities research analyst has rated the stock with a Strong Buy rating, thirteen have assigned a Buy rating and seven have issued a Hold rating to the stock. According to data from MarketBeat.com, the stock presently has a consensus rating of “Moderate Buy” and a consensus target price of $85.00.

Insiders Place Their Bets

In related news, insider Brian J. Sr. Wenzel sold 47,112 shares of the stock in a transaction that occurred on Tuesday, March 3rd. The shares were sold at an average price of $67.16, for a total value of $3,164,041.92. Following the transaction, the insider directly owned 64,221 shares in the company, valued at $4,313,082.36. This represents a 42.32% decrease in their ownership of the stock. The sale was disclosed in a filing with the SEC, which is available at the SEC website. Also, insider Bart Schaller sold 12,980 shares of the company’s stock in a transaction that occurred on Monday, March 2nd. The shares were sold at an average price of $67.71, for a total transaction of $878,875.80. Following the completion of the sale, the insider directly owned 34,035 shares of the company’s stock, valued at $2,304,509.85. The trade was a 27.61% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Insiders sold a total of 379,928 shares of company stock valued at $26,170,764 over the last three months. 0.33% of the stock is owned by insiders.

Trending Headlines about Synchrony Financial

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

• Positive Sentiment: EPS strength and profitability — GAAP EPS of $2.27 beat some street estimates and represented solid year-over-year growth (vs. $1.89 a year ago); the firm reported a healthy net margin (~15.7%) and strong ROE (~23%). MarketBeat Earnings Summary
• Positive Sentiment: Shareholder return boost — management raised the quarterly dividend from $0.30 to $0.34 and authorized a $6.5 billion share repurchase program, signaling confidence in capital generation and returning cash to shareholders. PR Newswire: Q1 Results & Capital Actions
• Positive Sentiment: Credit performance update — the company issued its monthly credit metrics (unaudited charge-off and delinquency stats), which investors monitor closely for asset-quality trends; commentary and metrics in the update did not flag acute deterioration. TipRanks: Credit Metrics Update
• Neutral Sentiment: Management commentary and slide deck — the earnings slide deck and call transcript provide details on business drivers, margin dynamics and portfolio composition; these give more context but did not introduce new, market-moving strategy shifts. Seeking Alpha: Q1 2026 Call Transcript Seeking Alpha: Slide Presentation
• Negative Sentiment: Revenue miss and year-over-year decline — revenue came in at $3.70 billion versus a consensus near $3.81 billion and was down ~7.4% year-over-year, which pressures top-line growth expectations and offsets some of the EPS strength. MarketBeat: Revenue and Results
• Negative Sentiment: Mixed estimate comparisons — while EPS outperformed some street forecasts, some summaries (e.g., Zacks) noted the company essentially met certain consensus measures; this mixed signal can temper immediate bullish reactions. Zacks: Matches Q1 Estimates

Institutional Investors Weigh In On Synchrony Financial

Several large investors have recently made changes to their positions in the stock. Compound Planning Inc. increased its position in shares of Synchrony Financial by 15.1% during the fourth quarter. Compound Planning Inc. now owns 9,907 shares of the financial services provider’s stock worth $827,000 after acquiring an additional 1,298 shares in the last quarter. Invesco Ltd. increased its position in shares of Synchrony Financial by 10.4% during the fourth quarter. Invesco Ltd. now owns 5,490,921 shares of the financial services provider’s stock worth $458,108,000 after acquiring an additional 517,781 shares in the last quarter. Corient Private Wealth LLC increased its position in shares of Synchrony Financial by 147.9% during the fourth quarter. Corient Private Wealth LLC now owns 169,428 shares of the financial services provider’s stock worth $14,135,000 after acquiring an additional 101,092 shares in the last quarter. Mercer Global Advisors Inc. ADV increased its position in shares of Synchrony Financial by 2.9% during the fourth quarter. Mercer Global Advisors Inc. ADV now owns 664,789 shares of the financial services provider’s stock worth $55,463,000 after acquiring an additional 18,890 shares in the last quarter. Finally, Beacon Pointe Advisors LLC bought a new stake in shares of Synchrony Financial during the fourth quarter worth $249,000. Institutional investors own 96.48% of the company’s stock.

Synchrony Financial Company Profile

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.