Q3 EPS Forecast for Synchrony Financial Decreased by Analyst

Synchrony Financial (NYSE:SYF) – Stock analysts at Zacks Research reduced their Q3 2026 earnings per share estimates for Synchrony Financial in a research report issued on Thursday, July 16th. Zacks Research analyst Team now anticipates that the financial services provider will post earnings per share of $2.55 for the quarter, down from their previous estimate of $2.57. 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 Q4 2026 earnings at $2.49 EPS, Q1 2027 earnings at $2.42 EPS, Q3 2027 earnings at $3.02 EPS, Q4 2027 earnings at $2.58 EPS, FY2027 earnings at $10.04 EPS, Q1 2028 earnings at $2.67 EPS, Q2 2028 earnings at $2.17 EPS and FY2028 earnings at $10.89 EPS.

Synchrony Financial (NYSE:SYF) last issued its quarterly earnings data on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share (EPS) 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 the consensus estimate of $3.81 billion. Synchrony Financial had a return on equity of 23.41% and a net margin of 15.80%.The company’s quarterly revenue was down 7.4% compared to the same quarter last year. During the same period in the prior year, the business posted $1.89 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS.

Several other research analysts have also commented on the stock. TD Cowen lifted their price objective on shares of Synchrony Financial from $89.00 to $90.00 and gave the stock a “buy” rating in a research note on Tuesday, July 7th. UBS Group increased their target price on shares of Synchrony Financial from $77.00 to $84.00 and gave the company a “neutral” rating in a research note on Tuesday, July 7th. Truist Financial raised their target price on shares of Synchrony Financial from $71.00 to $82.00 and gave the stock a “hold” rating in a report on Thursday, April 23rd. Weiss Ratings reaffirmed a “buy (b-)” rating on shares of Synchrony Financial in a research note on Monday, April 20th. Finally, Barclays upped their price target on shares of Synchrony Financial from $82.00 to $93.00 and gave the company an “overweight” rating in a report on Wednesday, April 22nd. Twelve research analysts have rated the stock with a Buy rating and eight have issued a Hold rating to the company’s stock. According to MarketBeat, the stock currently has an average rating of “Moderate Buy” and an average price target of $87.32.

Synchrony Financial Stock Performance

NYSE SYF opened at $73.74 on Friday. The business’s 50 day moving average price is $73.10 and its 200-day moving average price is $73.46. Synchrony Financial has a fifty-two week low of $63.08 and a fifty-two week high of $88.77. The company has a market cap of $24.80 billion, a P/E ratio of 7.63, a P/E/G ratio of 0.70 and a beta of 1.32. The company has a debt-to-equity ratio of 1.08, a quick ratio of 1.24 and a current ratio of 1.24.

Synchrony Financial announced that its board has approved a stock buyback plan on Tuesday, April 21st that permits the company to buyback $0.00 in shares. This buyback authorization permits the financial services provider to purchase shares of its stock through open market purchases. Shares buyback plans are typically an indication that the company’s board believes its stock is undervalued.

Synchrony Financial Announces Dividend

The business also recently disclosed a quarterly dividend, which was paid on Friday, May 15th. Shareholders of record on Tuesday, May 5th were given a $0.30 dividend. This represents a $1.20 annualized dividend and a yield of 1.6%. The ex-dividend date of this dividend was Tuesday, May 5th. Synchrony Financial’s payout ratio is 12.41%.

Insider Buying and Selling

In related news, insider Jonathan S. Mothner sold 51,258 shares of the business’s stock in a transaction that occurred on Friday, May 15th. The stock was sold at an average price of $71.23, for a total value of $3,651,107.34. Following the completion of the sale, the insider 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 sale was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 0.36% of the stock is owned by corporate insiders.

Institutional Inflows and Outflows

Institutional investors have recently added to or reduced their stakes in the business. FWL Investment Management LLC purchased a new stake in shares of Synchrony Financial during the 3rd quarter worth $26,000. Fideuram Asset Management Ireland dac bought a new stake in Synchrony Financial during the fourth quarter valued at about $29,000. Advisors Asset Management Inc. purchased a new position in Synchrony Financial in the fourth quarter valued at about $29,000. Palisade Asset Management LLC bought a new position in Synchrony Financial in the third quarter worth about $29,000. Finally, Reflection Asset Management bought a new position in Synchrony Financial in the fourth quarter worth about $31,000. Hedge funds and other institutional investors own 96.48% of the company’s stock.

Synchrony Financial News Roundup

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

• Positive Sentiment: Zacks Research raised its estimates for Synchrony’s Q2 2028 earnings, reflecting a slightly more optimistic longer-term outlook for the company. Synchrony Financial analyst estimate update
• Positive Sentiment: Analysts also increased FY2028 EPS estimates, suggesting continued confidence in Synchrony’s earnings power over the next few years. Synchrony Financial analyst estimate update
• Neutral Sentiment: Another pre-earnings note highlighted potential support from stronger purchase volumes and a wider net interest margin, which could help Synchrony beat Q2 expectations. Will Higher Purchase Volumes Fuel Synchrony’s Q2 Earnings Beat?
• Neutral Sentiment: Investors are also watching the company’s July 21 earnings release closely, with market focus centered on whether key operating metrics will support a beat. Countdown to Synchrony (SYF) Q2 Earnings
• Negative Sentiment: Zacks Research trimmed several near- to medium-term EPS estimates, including Q3 2026, Q4 2026, Q1 2027, Q3 2027, Q4 2027, and FY2027, which can pressure the stock by signaling softer expected profitability ahead. Synchrony Financial analyst estimate update

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.