Synchrony Financial (SYF) to Release Quarterly Earnings on Tuesday

Synchrony Financial (NYSE:SYF) will likely be announcing its Q2 2026 results before the market opens on Tuesday, July 21st. Analysts expect Synchrony Financial 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. Parties may review the information on the company’s upcoming Q2 2026 earning overview page for the latest details on the call scheduled for Tuesday, July 21, 2026 at 8:00 AM ET.

Synchrony Financial (NYSE:SYF) last posted its earnings results on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share for the quarter, topping analysts’ consensus estimates 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 analyst estimates of $3.81 billion. During the same quarter in the prior year, the business posted $1.89 EPS. The firm’s revenue 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 Price Performance

Shares of NYSE SYF opened at $73.74 on Monday. Synchrony Financial has a fifty-two week low of $63.08 and a fifty-two week high of $88.77. The stock 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. The company has a debt-to-equity ratio of 1.08, a quick ratio of 1.24 and a current ratio of 1.24. The firm’s 50-day simple moving average is $73.10 and its 200 day simple moving average is $73.38.

Synchrony Financial announced that its Board of Directors has approved a stock repurchase program on Tuesday, April 21st that authorizes the company to repurchase $0.00 in shares. This repurchase authorization authorizes the financial services provider to purchase shares of its stock through open market purchases. Shares repurchase programs are typically an indication that the company’s leadership believes its stock is undervalued.

Synchrony Financial Dividend Announcement

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

More Synchrony Financial News

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

Analyst Upgrades and Downgrades

Several research analysts recently issued reports on SYF shares. BTIG Research cut Synchrony Financial from a “buy” rating to a “neutral” rating in a research report on Wednesday, April 22nd. Truist Financial increased their price target on Synchrony Financial from $71.00 to $82.00 and gave the company a “hold” rating in a research report on Thursday, April 23rd. UBS Group raised their price objective on Synchrony Financial from $77.00 to $84.00 and gave the company a “neutral” rating in a research note on Tuesday, July 7th. 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 report on Tuesday, July 7th. Finally, JPMorgan Chase & Co. cut their price objective on shares of Synchrony Financial from $81.00 to $78.00 and set a “neutral” rating on the stock in a report on Monday, July 13th. Twelve research analysts have rated the stock with a Buy rating and eight have issued a Hold rating to the company. According to MarketBeat.com, the stock currently has an average rating of “Moderate Buy” and an average price target of $87.32.

Insiders Place Their Bets

In other Synchrony Financial news, insider Jonathan S. Mothner sold 51,258 shares of the company’s 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 $9,449,656.72. This represents a 27.87% decrease in their position. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Corporate insiders own 0.36% of the company’s stock.

Institutional Investors Weigh In On Synchrony Financial

A number of hedge funds have recently made changes to their positions in the business. FWL Investment Management LLC purchased a new stake in Synchrony Financial during the third quarter worth about $26,000. Palisade Asset Management LLC purchased a new position in Synchrony Financial in the third 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. Geneos Wealth Management Inc. grew its position in shares of Synchrony Financial by 337.0% during the 1st 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 period. Finally, Towarzystwo Funduszy Inwestycyjnych PZU SA grew its position in shares of Synchrony Financial by 75.8% during the 3rd 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 period. 96.48% of the stock is currently owned by institutional investors.

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.