Zacks Research Has Pessimistic Outlook of SYF Q4 Earnings

Synchrony Financial (NYSE:SYF) – Equities researchers at Zacks Research dropped their Q4 2025 EPS estimates for Synchrony Financial in a note issued to investors on Friday, October 24th. Zacks Research analyst Team now forecasts that the financial services provider will post earnings per share of $1.64 for the quarter, down from their previous estimate of $1.69. The consensus estimate for Synchrony Financial’s current full-year earnings is $7.67 per share. Zacks Research also issued estimates for Synchrony Financial’s Q1 2026 earnings at $2.04 EPS, Q2 2026 earnings at $2.14 EPS, Q3 2026 earnings at $2.57 EPS, Q2 2027 earnings at $2.41 EPS and FY2027 earnings at $10.16 EPS.

Synchrony Financial (NYSE:SYF) last announced its quarterly earnings results on Wednesday, October 15th. The financial services provider reported $2.86 EPS for the quarter, beating the consensus estimate of $2.22 by $0.64. Synchrony Financial had a return on equity of 22.96% and a net margin of 15.84%.The company had revenue of $3.82 billion for the quarter, compared to the consensus estimate of $3.79 billion. During the same quarter last year, the company posted $1.94 earnings per share. The company’s revenue for the quarter was up .2% compared to the same quarter last year. Synchrony Financial has set its FY 2025 guidance at EPS.

Several other brokerages also recently commented on SYF. Bank of America increased their price target on Synchrony Financial from $75.00 to $80.00 and gave the company a “buy” rating in a report on Thursday, September 11th. Barclays increased their price target on Synchrony Financial from $83.00 to $86.00 and gave the company an “overweight” rating in a report on Thursday, October 16th. Wall Street Zen upgraded Synchrony Financial from a “hold” rating to a “buy” rating in a report on Saturday, September 20th. Hsbc Global Res upgraded Synchrony Financial from a “hold” rating to a “strong-buy” rating in a report on Thursday, October 9th. Finally, Rothschild & Co Redburn assumed coverage on shares of Synchrony Financial in a research note on Friday, August 1st. They issued a “neutral” rating and a $72.00 price objective on the stock. One equities research analyst has rated the stock with a Strong Buy rating, ten have issued a Buy rating and nine have issued a Hold rating to the company’s stock. According to MarketBeat.com, the company presently has an average rating of “Moderate Buy” and an average target price of $81.38.

Synchrony Financial Trading Up 2.2%

Shares of SYF stock opened at $74.82 on Monday. Synchrony Financial has a 12 month low of $40.54 and a 12 month high of $77.41. The company has a quick ratio of 1.24, a current ratio of 1.24 and a debt-to-equity ratio of 0.91. The business’s 50 day moving average is $73.60 and its two-hundred day moving average is $65.86. The company has a market cap of $26.95 billion, a PE ratio of 8.17, a price-to-earnings-growth ratio of 0.75 and a beta of 1.50.

Synchrony Financial Announces Dividend

The business also recently disclosed a quarterly dividend, which will be paid on Monday, November 17th. Stockholders of record on Wednesday, November 5th will be paid a $0.30 dividend. The ex-dividend date is Wednesday, November 5th. This represents a $1.20 annualized dividend and a dividend yield of 1.6%. Synchrony Financial’s dividend payout ratio (DPR) is presently 13.10%.

Synchrony Financial declared that its Board of Directors has initiated a share buyback plan on Wednesday, October 15th that authorizes the company to buyback $1.00 billion in shares. This buyback authorization authorizes the financial services provider to repurchase up to 3.7% of its shares through open market purchases. Shares buyback plans are typically an indication that the company’s board believes its shares are undervalued.

Insider Buying and Selling at Synchrony Financial

In other Synchrony Financial news, insider Brian J. Sr. Wenzel sold 8,514 shares of Synchrony Financial stock in a transaction on Tuesday, August 5th. The shares were sold at an average price of $70.00, for a total transaction of $595,980.00. Following the sale, the insider owned 68,588 shares in the company, valued at $4,801,160. The trade was a 11.04% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available at this link. Also, insider Darrell Owens sold 600 shares of Synchrony Financial stock in a transaction on Monday, August 4th. The stock was sold at an average price of $67.95, for a total transaction of $40,770.00. Following the sale, the insider owned 21,372 shares in the company, valued at $1,452,227.40. This represents a 2.73% decrease in their position. The disclosure for this sale can be found here. Company insiders own 0.33% of the company’s stock.

Institutional Investors Weigh In On Synchrony Financial

A number of institutional investors have recently bought and sold shares of the business. Parkside Financial Bank & Trust boosted its stake in Synchrony Financial by 15.1% during the second quarter. Parkside Financial Bank & Trust now owns 1,106 shares of the financial services provider’s stock worth $74,000 after buying an additional 145 shares in the last quarter. Salomon & Ludwin LLC boosted its stake in Synchrony Financial by 54.9% during the third quarter. Salomon & Ludwin LLC now owns 412 shares of the financial services provider’s stock worth $29,000 after buying an additional 146 shares in the last quarter. Smartleaf Asset Management LLC boosted its stake in Synchrony Financial by 3.1% during the second quarter. Smartleaf Asset Management LLC now owns 5,027 shares of the financial services provider’s stock worth $333,000 after buying an additional 149 shares in the last quarter. Blue Trust Inc. boosted its stake in Synchrony Financial by 5.5% during the second quarter. Blue Trust Inc. now owns 3,168 shares of the financial services provider’s stock worth $211,000 after buying an additional 166 shares in the last quarter. Finally, MAI Capital Management lifted its holdings in shares of Synchrony Financial by 36.3% during the first quarter. MAI Capital Management now owns 627 shares of the financial services provider’s stock valued at $33,000 after acquiring an additional 167 shares during the period. Institutional investors and hedge funds own 96.48% of the company’s stock.

Synchrony Financial Company Profile

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms.