
Synchrony Financial (NYSE:SYF – Free Report) – Equities research analysts at Zacks Research issued their FY2028 earnings per share estimates for Synchrony Financial in a research report issued on Tuesday, February 10th. Zacks Research analyst Team expects that the financial services provider will post earnings per share of $11.11 for the year. The consensus estimate for Synchrony Financial’s current full-year earnings is $7.67 per share.
Synchrony Financial (NYSE:SYF – Get Free Report) last posted its quarterly earnings data on Tuesday, January 27th. The financial services provider reported $2.18 earnings per share for the quarter, topping the consensus estimate of $2.02 by $0.16. The business had revenue of $3.79 billion for the quarter, compared to analysts’ expectations of $3.84 billion. Synchrony Financial had a return on equity of 23.07% and a net margin of 15.72%.The business’s revenue was down .2% on a year-over-year basis. During the same quarter in the previous year, the firm earned $1.91 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS.
View Our Latest Research Report on SYF
Synchrony Financial Trading Down 2.5%
NYSE SYF opened at $71.10 on Thursday. The business’s fifty day moving average is $80.25 and its 200-day moving average is $75.83. The company has a debt-to-equity ratio of 0.98, a current ratio of 1.24 and a quick ratio of 1.24. The stock has a market capitalization of $24.71 billion, a price-to-earnings ratio of 7.65, a PEG ratio of 0.51 and a beta of 1.43. Synchrony Financial has a one year low of $40.54 and a one year high of $88.77.
Institutional Investors Weigh In On Synchrony Financial
A number of institutional investors and hedge funds have recently made changes to their positions in the business. Advisors Asset Management Inc. purchased a new position in Synchrony Financial during the fourth quarter worth about $29,000. Federation des caisses Desjardins du Quebec raised its holdings in shares of Synchrony Financial by 4.3% in the 4th quarter. Federation des caisses Desjardins du Quebec now owns 55,078 shares of the financial services provider’s stock valued at $4,593,000 after acquiring an additional 2,281 shares in the last quarter. HRT Financial LP boosted its position in shares of Synchrony Financial by 144.4% during the 4th quarter. HRT Financial LP now owns 441,631 shares of the financial services provider’s stock valued at $36,845,000 after acquiring an additional 260,905 shares during the last quarter. DRW Securities LLC boosted its position in shares of Synchrony Financial by 17.9% during the 4th quarter. DRW Securities LLC now owns 6,303 shares of the financial services provider’s stock valued at $526,000 after acquiring an additional 955 shares during the last quarter. Finally, Brooklyn Investment Group grew its holdings in shares of Synchrony Financial by 33.9% during the fourth quarter. Brooklyn Investment Group now owns 6,965 shares of the financial services provider’s stock worth $590,000 after purchasing an additional 1,762 shares in the last quarter. Hedge funds and other institutional investors own 96.48% of the company’s stock.
Insider Activity
In other Synchrony Financial news, insider Jonathan S. Mothner sold 32,000 shares of the firm’s stock in a transaction on Monday, November 17th. The shares were sold at an average price of $72.80, for a total value of $2,329,600.00. Following the completion of the transaction, the insider directly owned 127,100 shares of the company’s stock, valued at $9,252,880. This trade represents a 20.11% decrease in their position. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available at this link. Also, Director Arthur W. Coviello, Jr. sold 4,000 shares of the business’s stock in a transaction on Monday, February 2nd. The shares were sold at an average price of $72.32, for a total transaction of $289,280.00. Following the transaction, the director owned 32,444 shares of the company’s stock, valued at $2,346,350.08. This trade represents a 10.98% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Over the last ninety days, insiders sold 88,556 shares of company stock worth $6,419,730. 0.32% of the stock is owned by company insiders.
Synchrony Financial Announces Dividend
The company also recently disclosed a quarterly dividend, which will be paid on Tuesday, February 17th. Stockholders of record on Friday, February 6th will be given a $0.30 dividend. This represents a $1.20 dividend on an annualized basis and a dividend yield of 1.7%. The ex-dividend date is Friday, February 6th. Synchrony Financial’s dividend payout ratio (DPR) is 12.92%.
Key Headlines Impacting Synchrony Financial
Here are the key news stories impacting Synchrony Financial this week:
- Positive Sentiment: Zacks Research published a bullish long‑term forecast, issuing a FY2028 EPS estimate of $11.11 for Synchrony — well above the current consensus (~$7.67). That implies meaningful upside to forward earnings power if the firm achieves the drivers behind that view.
- Positive Sentiment: Zacks also raised near‑term/near‑cycle estimates in places — notably lifting FY2026 estimates (to $9.29) and increasing some quarterly forecasts (including Q1 2026 and Q2 2026). Those upward revisions support the argument for better-than-expected 2026 earnings execution.
- Neutral Sentiment: Synchrony released its monthly credit‑performance statistics (investors should watch trends in charge‑offs, delinquencies and receivables for signals on asset quality and reserve needs). Synchrony Financial Reports Monthly Credit Performance Statistics
- Neutral Sentiment: Management presented at the UBS Financial Services Conference; the transcript may contain detail on strategy, margins and capital deployment but produced no clear market-moving announcement. Synchrony Financial Presents at UBS Financial Services Conference 2026 Transcript
- Neutral Sentiment: Industry/strategy pieces explain how Synchrony competes among large S&P 500 peers — useful context but not an immediate catalyst. How Synchrony Financial (NYSE:SYF) Competes Among Top S&P 500 Companies
- Negative Sentiment: At the same time, Zacks issued several downward revisions to near‑term quarters and parts of the FY2027 outlook (cuts to certain Q1/Q3 2027 and Q3 2026 estimates and a lower FY2027 figure), creating mixed signals about short‑term earnings momentum and contributing to investor caution.
- Negative Sentiment: A Zacks comparison of Capital One (COF) vs. Synchrony highlights Capital One’s recent acquisitions and rising net interest income as differentiators — framing Capital One as having clearer near‑term growth/earnings catalysts versus Synchrony’s more niche, partner‑driven model. That peer comparison can push money away from SYF toward peers. COF vs. SYF: Which Credit Card Lender Offers More Upside?
About Synchrony Financial
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.
Further Reading
- Five stocks we like better than Synchrony Financial
- Nvidia CEO Issues Bold Tesla Call
- Your Bank Account Is No Longer Safe
- Buy this Gold Stock Before May 2026
- What a Former CIA Agent Knows About the Coming Collapse
- The day the gold market broke
Receive News & Ratings for Synchrony Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Synchrony Financial and related companies with MarketBeat.com's FREE daily email newsletter.
