Q2 Earnings Forecast for SYF Issued By Zacks Research

Posted by Casey Walker on Jul 22nd, 2026

Synchrony Financial (NYSE:SYF – Free Report) – Investment analysts at Zacks Research issued their Q2 2026 earnings per share (EPS) estimates for Synchrony Financial in a research report issued to clients and investors on Thursday, July 16th. Zacks Research analyst Team anticipates that the financial services provider will earn $2.02 per share for the quarter. The consensus estimate for Synchrony Financial’s current full-year earnings is $9.34 per share. Zacks Research also issued estimates for Synchrony Financial’s FY2026 earnings at $9.33 EPS.

Synchrony Financial (NYSE:SYF – Get Free Report) last issued its quarterly earnings data on Tuesday, July 21st. The financial services provider reported $2.59 EPS for the quarter, beating the consensus estimate of $2.14 by $0.45. The company had revenue of $3.72 billion for the quarter, compared to analyst estimates of $3.73 billion. Synchrony Financial had a return on equity of 23.41% and a net margin of 15.80%.During the same period last year, the company earned $2.50 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.250-9.500 EPS.

A number of other equities research analysts have also recently issued reports on the stock. HSBC lifted their price target on shares of Synchrony Financial from $93.00 to $97.00 and gave the company a “buy” rating in a research note on Monday, July 13th. Loop Capital initiated coverage on shares of Synchrony Financial in a report on Friday, May 22nd. They set a “hold” rating and a $81.00 price objective on the stock. JPMorgan Chase & Co. cut their target price on shares of Synchrony Financial from $81.00 to $78.00 and set a “neutral” rating for the company in a research note on Monday, July 13th. Weiss Ratings reaffirmed a “buy (b-)” rating on shares of Synchrony Financial in a research note on Friday. Finally, BTIG Research cut Synchrony Financial from a “buy” rating to a “neutral” rating in a report on Wednesday, April 22nd. Twelve investment analysts have rated the stock with a Buy rating and eight have issued a Hold rating to the company. Based on data from MarketBeat.com, the stock presently has a consensus rating of “Moderate Buy” and a consensus price target of $87.32.

View Our Latest Analysis on SYF

Synchrony Financial Trading Down 1.5%

Shares of SYF stock opened at $72.28 on Monday. Synchrony Financial has a 1-year low of $63.08 and a 1-year high of $88.77. The company has a market cap of $24.31 billion, a price-to-earnings ratio of 7.47, a PEG ratio of 0.69 and a beta of 1.32. The company has a debt-to-equity ratio of 1.08, a current ratio of 1.24 and a quick ratio of 1.24. The stock has a 50 day simple moving average of $73.20 and a 200-day simple moving average of $73.22.

Synchrony Financial announced that its Board of Directors has initiated a share repurchase program on Tuesday, April 21st that authorizes the company to repurchase $0.00 in shares. This repurchase authorization authorizes the financial services provider to repurchase shares of its stock through open market purchases. Shares repurchase programs are generally a sign that the company’s leadership believes its shares are undervalued.

Synchrony Financial Increases Dividend

The firm also recently announced a quarterly dividend, which will be paid on Monday, August 17th. Stockholders of record on Wednesday, August 5th will be given a $0.34 dividend. This represents a $1.36 dividend on an annualized basis and a dividend yield of 1.9%. This is a positive change from Synchrony Financial’s previous quarterly dividend of $0.30. The ex-dividend date is Wednesday, August 5th. Synchrony Financial’s dividend payout ratio (DPR) is currently 12.41%.

Insider Buying and Selling at Synchrony Financial

In related news, insider Jonathan S. Mothner sold 51,258 shares of the business’s stock in a transaction dated Friday, May 15th. The shares were sold at an average price of $71.23, for a total transaction of $3,651,107.34. Following the transaction, the insider directly owned 132,664 shares in the company, valued at approximately $9,449,656.72. The trade was a 27.87% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which can be accessed through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Corporate insiders own 0.36% of the company’s stock.

Institutional Inflows and Outflows

A number of institutional investors have recently bought and sold shares of the business. Norges Bank purchased a new stake in shares of Synchrony Financial in the fourth quarter valued at approximately $383,231,000. Bank of America Corp DE boosted its stake in Synchrony Financial by 34.6% during the second quarter. Bank of America Corp DE now owns 13,595,381 shares of the financial services provider’s stock worth $907,356,000 after buying an additional 3,494,741 shares during the last quarter. PFA Pension Forsikringsaktieselskab acquired a new position in Synchrony Financial during the fourth quarter worth $84,494,000. Worldquant Millennium Advisors LLC grew its holdings in Synchrony Financial by 222.5% in the 2nd quarter. Worldquant Millennium Advisors LLC now owns 937,296 shares of the financial services provider’s stock valued at $62,555,000 after buying an additional 646,642 shares in the last quarter. Finally, Nordea Investment Management AB grew its holdings in Synchrony Financial by 13.0% in the 4th quarter. Nordea Investment Management AB now owns 5,134,903 shares of the financial services provider’s stock valued at $431,999,000 after buying an additional 592,567 shares in the last quarter. 96.48% of the stock is owned by hedge funds and other institutional investors.

More Synchrony Financial News

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

Positive Sentiment: Synchrony reported Q2 earnings of $2.59 per share, well above analyst estimates, helped by record purchase volume, stronger loan growth, and solid profitability. Synchrony Reports Second Quarter 2026 Results
Positive Sentiment: The company raised its 2026 EPS outlook to $9.25-$9.50, signaling management confidence in continued earnings momentum. Synchrony Reports Second Quarter 2026 Results
Positive Sentiment: Synchrony increased its quarterly dividend to $0.34 per share, a 13.3% boost, which supports the stock’s appeal to income investors. Synchrony Reports Second Quarter 2026 Results
Neutral Sentiment: Management also highlighted June credit performance metrics and a more resilient consumer backdrop, suggesting borrowers are holding up better than feared. Synchrony Financial Reports June 2026 Credit Performance Metrics
Negative Sentiment: One report noted that revenue missed estimates, which may have limited upside despite the earnings beat. Synchrony Financial misses Q2 CY2026 revenue estimates

Synchrony Financial Company Profile

(Get Free Report)

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.