Q1 EPS Estimate for Synchrony Financial Lifted by Analyst

Synchrony Financial (NYSE:SYF) – Stock analysts at Zacks Research raised their Q1 2026 earnings per share (EPS) estimates for Synchrony Financial in a research note issued on Tuesday, February 10th. Zacks Research analyst Team now anticipates that the financial services provider will earn $2.30 per share for the quarter, up from their previous forecast of $2.04. The consensus estimate for Synchrony Financial’s current full-year earnings is $7.67 per share. Zacks Research also issued estimates for Synchrony Financial’s Q2 2026 earnings at $2.27 EPS, Q3 2026 earnings at $2.50 EPS, Q4 2026 earnings at $2.22 EPS, FY2026 earnings at $9.29 EPS, Q1 2027 earnings at $2.14 EPS, Q2 2027 earnings at $2.61 EPS, Q3 2027 earnings at $2.75 EPS, Q4 2027 earnings at $2.52 EPS and FY2027 earnings at $10.02 EPS.

Other research analysts have also recently issued reports about the stock. TD Cowen raised their target price on shares of Synchrony Financial from $91.00 to $100.00 and gave the company a “buy” rating in a research report on Thursday, January 8th. Robert W. Baird cut shares of Synchrony Financial from a “strong-buy” rating to a “hold” rating in a research report on Friday, December 5th. Truist Financial cut their price objective on shares of Synchrony Financial from $92.00 to $84.00 and set a “hold” rating on the stock in a report on Thursday, January 29th. Keefe, Bruyette & Woods upped their target price on Synchrony Financial from $95.00 to $98.00 and gave the stock an “outperform” rating in a report on Friday, January 2nd. Finally, Barclays dropped their target price on Synchrony Financial from $101.00 to $93.00 and set an “overweight” rating on the stock in a research report on Wednesday, January 28th. One analyst has rated the stock with a Strong Buy rating, twelve have given a Buy rating and eight have given a Hold rating to the company. According to MarketBeat, the stock presently has an average rating of “Moderate Buy” and a consensus price target of $87.05.

Synchrony Financial Stock Performance

SYF stock opened at $71.10 on Wednesday. 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 business has a 50-day moving average price of $80.25 and a 200 day moving average price of $75.83. The company has a market capitalization of $24.71 billion, a P/E ratio of 7.65, a PEG ratio of 0.51 and a beta of 1.43. Synchrony Financial has a 1-year low of $40.54 and a 1-year high of $88.77.

Synchrony Financial (NYSE:SYF) last issued its earnings results 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. Synchrony Financial had a return on equity of 23.07% and a net margin of 15.72%.The business had revenue of $3.79 billion during the quarter, compared to analysts’ expectations of $3.84 billion. During the same period in the prior year, the business earned $1.91 EPS. The business’s revenue for the quarter was down .2% compared to the same quarter last year. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS.

Synchrony Financial Dividend Announcement

The business also recently disclosed a quarterly dividend, which will be paid on Tuesday, February 17th. Stockholders of record on Friday, February 6th will be paid a dividend of $0.30 per share. This represents a $1.20 annualized dividend and a dividend yield of 1.7%. The ex-dividend date is Friday, February 6th. Synchrony Financial’s payout ratio is presently 12.92%.

Insider Transactions at Synchrony Financial

In other news, 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 sale, the director directly owned 32,444 shares of the company’s stock, valued at $2,346,350.08. The trade was a 10.98% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available through this hyperlink. Also, insider Jonathan S. Mothner sold 32,000 shares of the firm’s stock in a transaction on Monday, November 17th. The stock was 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 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 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. Company insiders own 0.32% of the company’s stock.

Institutional Investors Weigh In On Synchrony Financial

A number of institutional investors and hedge funds have recently modified their holdings of SYF. Advisors Asset Management Inc. acquired a new position in Synchrony Financial in the 4th quarter worth approximately $29,000. Fideuram Asset Management Ireland dac purchased a new stake in shares of Synchrony Financial in the 4th quarter valued at $29,000. Westside Investment Management Inc. increased its stake in shares of Synchrony Financial by 100.0% in the third quarter. Westside Investment Management Inc. now owns 358 shares of the financial services provider’s stock worth $25,000 after acquiring an additional 179 shares during the period. FWL Investment Management LLC acquired a new stake in shares of Synchrony Financial in the third quarter worth $26,000. Finally, Investors Towarzystwo Funduszy Inwestycyjnych Spolka Akcyjna purchased a new position in shares of Synchrony Financial during the second quarter worth $26,000. Institutional investors and hedge funds own 96.48% of the company’s stock.

Synchrony Financial News Summary

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?

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.