Synchrony Financial (SYF) Projected to Announce Quarterly Earnings on Tuesday

Synchrony Financial (NYSE:SYF) is projected to issue its Q2 2026 results before the market opens on Tuesday, July 21st. Analysts expect the company to announce earnings of $2.14 per share and revenue of $3.7257 billion for the quarter. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. Interested persons may review the information on the company’s upcoming Q2 2026 earning summary page for the latest details on the call scheduled for Tuesday, July 21, 2026 at 8:00 AM ET.

Synchrony Financial (NYSE:SYF) last issued its earnings results on Tuesday, April 21st. The financial services provider reported $2.27 EPS for the quarter, beating the consensus estimate of $2.14 by $0.13. Synchrony Financial had a net margin of 15.80% and a return on equity of 23.41%. The company had revenue of $3.70 billion for the quarter, compared to the consensus estimate of $3.81 billion. During the same quarter in the previous year, the company earned $1.89 EPS. The firm’s revenue for the quarter was down 7.4% compared to the same quarter last year. On average, analysts expect Synchrony Financial to post $9 EPS for the current fiscal year and $10 EPS for the next fiscal year.

Synchrony Financial Stock Down 0.7%

SYF opened at $73.74 on Friday. The firm’s 50-day simple moving average is $73.10 and its 200-day simple moving average is $73.46. 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 has a twelve month low of $63.08 and a twelve month high of $88.77. The firm has a market cap of $24.80 billion, a price-to-earnings ratio of 7.63, a PEG ratio of 0.69 and a beta of 1.32.

Synchrony Financial Dividend Announcement

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

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

Analyst Ratings Changes

Several research firms have recently weighed in on SYF. BTIG Research lowered shares of Synchrony Financial from a “buy” rating to a “neutral” rating in a report on Wednesday, April 22nd. Barclays boosted their target price on Synchrony Financial from $82.00 to $93.00 and gave the stock an “overweight” rating in a report on Wednesday, April 22nd. Wells Fargo & Company dropped their price target on Synchrony Financial from $100.00 to $95.00 and set an “overweight” rating for the company in a report on Thursday, April 9th. Loop Capital initiated coverage on Synchrony Financial in a research report on Friday, May 22nd. They issued a “hold” rating and a $81.00 price objective for the company. Finally, HSBC boosted their price objective on Synchrony Financial from $93.00 to $97.00 and gave the stock a “buy” rating in a research note on Monday, July 13th. Twelve analysts have rated the stock with a Buy rating and eight have issued a Hold rating to the company’s stock. Based on data from MarketBeat.com, the stock currently has a consensus rating of “Moderate Buy” and an average price target of $87.32.

Insider Activity

In other news, insider Jonathan S. Mothner sold 51,258 shares of the stock in a transaction that occurred on 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 sale, the insider directly owned 132,664 shares of the company’s stock, valued at $9,449,656.72. This represents a 27.87% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders own 0.36% of the company’s stock.

Institutional Inflows and Outflows

Several large investors have recently bought and sold shares of SYF. FWL Investment Management LLC acquired a new stake in shares of Synchrony Financial in the 3rd quarter valued at $26,000. Palisade Asset Management LLC acquired a new position in shares of Synchrony Financial during the third quarter valued at $29,000. Advisors Asset Management Inc. acquired a new position in shares of Synchrony Financial during the fourth quarter valued at $29,000. Geneos Wealth Management Inc. boosted its holdings in Synchrony Financial by 337.0% in the first quarter. Geneos Wealth Management Inc. now owns 590 shares of the financial services provider’s stock valued at $31,000 after acquiring an additional 455 shares during the last quarter. Finally, Towarzystwo Funduszy Inwestycyjnych PZU SA boosted its holdings in Synchrony Financial by 75.8% in the third quarter. Towarzystwo Funduszy Inwestycyjnych PZU SA now owns 580 shares of the financial services provider’s stock valued at $41,000 after acquiring an additional 250 shares during the last quarter. Institutional investors and hedge funds 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.