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

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

Wall Street Analyst Weigh In

Several equities research analysts have recently commented on SYF shares. Weiss Ratings raised Synchrony Financial from a “buy (b-)” rating to a “buy (b)” rating in a research note on Thursday, October 8th. TD Cowen decreased their price objective on shares of Synchrony Financial from $90.00 to $86.00 and set a “buy” rating on the stock in a research report on Tuesday, October 6th. JPMorgan Chase & Co. raised their target price on shares of Synchrony Financial from $74.00 to $77.00 and gave the company a “neutral” rating in a report on Wednesday. UBS Group cut their price objective on Synchrony Financial from $87.00 to $81.00 and set a “neutral” rating for the company in a research report on Monday, October 5th. Finally, Robert W. Baird boosted their price target on Synchrony Financial from $86.00 to $90.00 and gave the stock an “outperform” rating in a report on Wednesday, July 22nd. Ten analysts have rated the stock with a Buy rating and nine have issued a Hold rating to the stock. Based on data from MarketBeat, the company has a consensus rating of “Moderate Buy” and an average target price of $87.83.

Synchrony Financial Trading Up 1.0%

Synchrony Financial stock traded up $0.77 during trading on Wednesday, hitting $74.12. The company’s stock had a trading volume of 4,051,206 shares, compared to its average volume of 3,911,791. The stock’s fifty day moving average is $75.78 and its 200 day moving average is $74.63. Synchrony Financial has a 1-year low of $63.08 and a 1-year high of $88.77. The stock has a market capitalization of $24.12 billion, a price-to-earnings ratio of 7.59, a P/E/G ratio of 0.86 and a beta of 1.35. The company has a debt-to-equity ratio of 1.08, a quick ratio of 1.22 and a current ratio of 1.22.

Synchrony Financial (NYSE:SYF) last issued its quarterly earnings results on Tuesday, October 20th. The financial services provider reported $2.68 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $2.42 by $0.26. The firm had revenue of $3.82 billion for the quarter, compared to analyst estimates of $3.81 billion. Synchrony Financial had a return on equity of 23.09% and a net margin of 15.44%. During the same period last year, the company earned $2.86 EPS. As a group, equities research analysts predict that Synchrony Financial will post 9.40 EPS for the current year.

Synchrony Financial Announces Dividend

The business 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. This represents a $1.36 annualized dividend and a dividend yield of 1.8%. The ex-dividend date is Thursday, November 5th. Synchrony Financial’s dividend payout ratio is presently 13.93%.

More Synchrony Financial News

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

• Positive Sentiment: Earnings and guidance exceeded expectations. Synchrony reported third-quarter EPS of $2.68, ahead of the $2.42 consensus, while revenue of $3.82 billion was slightly above estimates. Management now expects approximately $9.50 in 2026 EPS, above the $9.44 consensus, reinforcing confidence in its earnings outlook. Synchrony Reports Third Quarter 2026 Results
• Positive Sentiment: Credit performance reduced fears of a consumer default surge. Net charge-offs declined to approximately 4.79%, while 30-day and 90-day delinquencies also improved. Stronger credit quality supports Synchrony’s profitability and suggests households remain capable of servicing debt. Synchrony Third-Quarter Earnings Report
• Positive Sentiment: Purchase volume and shareholder returns were strong. Third-quarter purchase volume rose 8% year over year to roughly $49.7 billion. Synchrony also repurchased about $1.1 billion of stock and declared its regular $0.34-per-share quarterly dividend, supporting per-share earnings and income-oriented investors.
• Positive Sentiment: Analysts raised their targets. Barclays increased its target from $93 to $94 and maintained an “overweight” rating. JPMorgan raised its target from $74 to $77, although it retained a “neutral” rating. Analysts Revise Synchrony Forecasts
• Neutral Sentiment: CareCredit introduced a new installment-payment option. CareCredit Pay Later will give health and wellness consumers an alternative to revolving credit, potentially expanding financing flexibility, though the near-term financial effect is unclear. CareCredit Introduces CareCredit Pay Later
• Negative Sentiment: Reported profit declined year over year. Third-quarter net income fell to $892 million from $1.1 billion, or $2.86 per share, last year. Higher expenses and a modestly lower net interest margin offset the earnings beat.
• Negative Sentiment: Evercore downgraded the stock. Evercore lowered its rating from “outperform” to “in-line,” setting a $78 target. The downgrade highlights valuation and execution concerns despite improving credit metrics. Evercore Analyst Action

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.