Q2 Earnings Forecast for SYF Issued By Zacks Research

Synchrony Financial (NYSE:SYF) – Analysts at Zacks Research issued their Q2 2026 earnings per share (EPS) estimates for shares of Synchrony Financial in a research report issued on Thursday, July 16th. Zacks Research analyst Team anticipates that the financial services provider will post earnings per share of $2.02 for the quarter. 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 FY2026 earnings at $9.33 EPS.

Other research analysts also recently issued reports about the stock. Weiss Ratings reissued a “buy (b-)” rating on shares of Synchrony Financial in a research report on Monday, April 20th. 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 research report on Thursday, April 23rd. TD Cowen lifted their target price on shares of Synchrony Financial from $89.00 to $90.00 and gave the company a “buy” rating in a research note on Tuesday, July 7th. Wells Fargo & Company reduced their price target on shares of Synchrony Financial from $100.00 to $95.00 and set an “overweight” rating on the stock in a research report on Thursday, April 9th. Finally, HSBC increased their price target on shares of Synchrony Financial from $93.00 to $97.00 and gave the stock a “buy” rating in a research note on Monday, July 13th. Twelve equities research analysts have rated the stock with a Buy rating and eight have assigned a Hold rating to the stock. According to data from MarketBeat, Synchrony Financial presently has a consensus rating of “Moderate Buy” and an average target price of $87.32.

Synchrony Financial Stock Performance

Shares of SYF stock opened at $73.74 on Monday. The firm has a market capitalization of $24.80 billion, a price-to-earnings ratio of 7.63, a PEG ratio of 0.69 and a beta of 1.32. The stock has a fifty day moving average of $73.10 and a 200 day moving average of $73.38. Synchrony Financial has a 52 week low of $63.08 and a 52 week high of $88.77. The company has a quick ratio of 1.24, a current ratio of 1.24 and a debt-to-equity ratio of 1.08.

Synchrony Financial (NYSE:SYF) last posted its earnings results on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share (EPS) for the quarter, beating the consensus estimate of $2.14 by $0.13. The firm had revenue of $3.70 billion for the quarter, compared to analysts’ expectations of $3.81 billion. Synchrony Financial had a return on equity of 23.41% and a net margin of 15.80%.The business’s revenue was down 7.4% compared to the same quarter last year. During the same period in the previous year, the firm earned $1.89 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS.

Institutional Trading of Synchrony Financial

Hedge funds have recently modified their holdings of the business. State Street Corp increased its stake in shares of Synchrony Financial by 1.0% in the 3rd quarter. State Street Corp now owns 19,080,903 shares of the financial services provider’s stock worth $1,355,698,000 after acquiring an additional 191,920 shares in the last quarter. Bank of America Corp DE boosted its stake in Synchrony Financial by 34.6% during the second quarter. Bank of America Corp DE now owns 13,595,381 shares of the financial services provider’s stock worth $907,356,000 after acquiring an additional 3,494,741 shares in the last quarter. Morgan Stanley boosted its stake in Synchrony Financial by 7.6% during the fourth quarter. Morgan Stanley now owns 6,230,111 shares of the financial services provider’s stock worth $519,778,000 after acquiring an additional 442,226 shares in the last quarter. Dimensional Fund Advisors LP grew its holdings in Synchrony Financial by 6.4% in the first quarter. Dimensional Fund Advisors LP now owns 6,039,753 shares of the financial services provider’s stock worth $410,760,000 after purchasing an additional 365,353 shares during the period. Finally, Invesco Ltd. grew its holdings in Synchrony Financial by 10.4% in the fourth quarter. Invesco Ltd. now owns 5,490,921 shares of the financial services provider’s stock worth $458,108,000 after purchasing an additional 517,781 shares during the period. Institutional investors own 96.48% of the company’s stock.

Insider Transactions at Synchrony Financial

In other Synchrony Financial news, insider Jonathan S. Mothner sold 51,258 shares of the stock in a transaction 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 transaction, the insider owned 132,664 shares in the company, valued at approximately $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 can be accessed through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Company insiders own 0.36% of the company’s stock.

Synchrony Financial declared that its Board of Directors has authorized a share buyback plan on Tuesday, April 21st that allows the company to buyback $0.00 in shares. This buyback authorization allows the financial services provider to buy shares of its stock through open market purchases. Shares buyback plans are usually a sign that the company’s board believes its shares are undervalued.

Synchrony Financial Announces Dividend

The company also recently declared a quarterly dividend, which was paid on Friday, May 15th. Investors of record on Tuesday, May 5th were paid 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 dividend payout ratio is presently 12.41%.

Trending Headlines about Synchrony Financial

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

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.