FY2028 Earnings Forecast for SYF Issued By Zacks Research

Synchrony Financial (NYSE:SYF) – Analysts at Zacks Research issued their FY2028 earnings estimates for shares of Synchrony Financial in a research report issued on Tuesday, February 10th. Zacks Research analyst Team expects that the financial services provider will earn $11.11 per share for the year. The consensus estimate for Synchrony Financial’s current full-year earnings is $7.67 per share.

Synchrony Financial (NYSE:SYF) last issued its earnings results on Tuesday, January 27th. The financial services provider reported $2.18 earnings per share (EPS) for the quarter, topping the consensus estimate of $2.02 by $0.16. The business had revenue of $3.79 billion during the quarter, compared to analysts’ expectations of $3.84 billion. Synchrony Financial had a net margin of 15.72% and a return on equity of 23.07%. The business’s revenue for the quarter was down .2% compared to the same quarter last year. During the same period in the previous year, the company earned $1.91 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS.

Other equities analysts have also recently issued reports about the company. Royal Bank Of Canada lowered their price objective on Synchrony Financial from $91.00 to $85.00 and set a “sector perform” rating on the stock in a research report on Wednesday, January 28th. JPMorgan Chase & Co. decreased their price target on Synchrony Financial from $86.00 to $84.00 and set a “neutral” rating for the company in a research note on Wednesday, January 28th. Keefe, Bruyette & Woods increased their price objective on Synchrony Financial from $95.00 to $98.00 and gave the company an “outperform” rating in a research report on Friday, January 2nd. Wells Fargo & Company lifted their price objective on Synchrony Financial from $95.00 to $100.00 and gave the stock an “overweight” rating in a report on Monday, January 5th. Finally, BTIG Research decreased their target price on Synchrony Financial from $100.00 to $96.00 and set a “buy” rating for the company in a research report on Tuesday, January 27th. One analyst has rated the stock with a Strong Buy rating, thirteen have given a Buy rating and seven have given a Hold rating to the company’s stock. Based on data from MarketBeat.com, Synchrony Financial has a consensus rating of “Moderate Buy” and a consensus price target of $87.11.

Synchrony Financial Price Performance

Shares of SYF opened at $71.29 on Thursday. The company has a market capitalization of $24.78 billion, a P/E ratio of 7.67, a price-to-earnings-growth ratio of 0.49 and a beta of 1.43. The company has a quick ratio of 1.24, a current ratio of 1.24 and a debt-to-equity ratio of 0.98. The firm has a 50 day moving average of $80.07 and a 200 day moving average of $75.82. Synchrony Financial has a twelve month low of $40.54 and a twelve month high of $88.77.

Institutional Investors Weigh In On Synchrony Financial

Hedge funds and other institutional investors have recently modified their holdings of the stock. State Street Corp grew its holdings in Synchrony Financial by 1.0% during the third quarter. State Street Corp now owns 19,080,903 shares of the financial services provider’s stock valued at $1,355,698,000 after purchasing an additional 191,920 shares during the period. Bank of America Corp DE lifted its position in shares of Synchrony Financial by 5.4% during the 3rd quarter. Bank of America Corp DE now owns 14,335,213 shares of the financial services provider’s stock valued at $1,018,517,000 after buying an additional 739,832 shares in the last quarter. Morgan Stanley grew its stake in shares of Synchrony Financial by 7.6% during the 4th quarter. Morgan Stanley now owns 6,230,111 shares of the financial services provider’s stock valued at $519,778,000 after acquiring an additional 442,226 shares during the period. Ameriprise Financial Inc. increased its holdings in Synchrony Financial by 8.3% in the 2nd quarter. Ameriprise Financial Inc. now owns 5,307,077 shares of the financial services provider’s stock worth $354,194,000 after acquiring an additional 406,796 shares in the last quarter. Finally, Nordea Investment Management AB increased its holdings in Synchrony Financial by 13.0% in the 4th quarter. Nordea Investment Management AB now owns 5,134,903 shares of the financial services provider’s stock worth $431,999,000 after acquiring an additional 592,567 shares in the last quarter. 96.48% of the stock is currently owned by hedge funds and other institutional investors.

Insider Activity

In other news, Director Arthur W. Coviello, Jr. sold 4,000 shares of the company’s stock in a transaction dated Monday, February 2nd. The shares were sold at an average price of $72.32, for a total transaction of $289,280.00. Following the completion of the sale, the director owned 32,444 shares of the company’s stock, valued at $2,346,350.08. This represents a 10.98% decrease in their position. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. Also, insider Curtis Howse sold 52,556 shares of the business’s stock in a transaction that occurred on Monday, February 2nd. The shares were sold at an average price of $72.32, for a total transaction of $3,800,849.92. Following the sale, the insider owned 94,196 shares of the company’s stock, valued at $6,812,254.72. This trade represents a 35.81% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Insiders sold 88,556 shares of company stock valued at $6,419,730 in the last quarter. 0.32% of the stock is currently owned by insiders.

Synchrony Financial Announces Dividend

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

Key Stories Impacting Synchrony Financial

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

• Positive Sentiment: Robert W. Baird upgraded SYF from Neutral to Outperform and set an $83 price target (≈16% upside vs. the current level), a clear catalyst for buying interest. Baird upgrades Synchrony Financial (SYF)
• Positive Sentiment: An analyst lifted Q1 EPS estimates for Synchrony, supporting the view that near-term earnings will remain strong and backing multiple analyst upgrades. Q1 EPS Estimate for Synchrony Financial Lifted by Analyst
• Positive Sentiment: Zacks Research published a long-term FY2028 EPS projection (~$11.11), well above current consensus, which can buoy investor sentiment around structural earnings potential (note: this is an analyst projection, not company guidance).
• Neutral Sentiment: Synchrony released its monthly credit-performance statistics — useful for monitoring asset quality and loss trends but not an immediate directional catalyst unless figures diverge materially from expectations. Synchrony Financial Reports Monthly Credit Performance Statistics
• Neutral Sentiment: Coverage pieces on how Synchrony competes among large S&P companies provide context on strategy and partnerships; informative for longer-term positioning but not an immediate price driver. How Synchrony Financial (NYSE:SYF) Competes Among Top S&P 500 Companies
• Negative Sentiment: Comparative analysis (COF vs SYF) highlights Capital One’s recent acquisitions and rising net interest income, suggesting peers may offer faster upside — a relative-risk factor investors will watch. 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.