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

Synchrony Financial (NYSE:SYF) is expected to be posting its Q2 2026 results before the market opens on Tuesday, July 21st. Analysts expect the company to announce earnings of $2.15 per share and revenue of $3.7306 billion for the quarter. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. Parties can find conference call details 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 released its quarterly earnings data on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share for the quarter, beating 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 business had revenue of $3.70 billion during the quarter, compared to analyst estimates of $3.81 billion. During the same period in the previous year, the business earned $1.89 EPS. Synchrony Financial’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 Trading Up 1.1%

Shares of SYF stock opened at $73.25 on Tuesday. The company’s fifty day simple moving average is $73.11 and its two-hundred day simple moving average is $73.69. The company has a debt-to-equity ratio of 1.08, a current ratio of 1.24 and a quick ratio of 1.24. Synchrony Financial has a 1 year low of $63.08 and a 1 year high of $88.77. The stock has a market capitalization of $24.64 billion, a price-to-earnings ratio of 7.57, a PEG ratio of 0.68 and a beta of 1.32.

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

Synchrony Financial Announces Dividend

The business also recently declared a quarterly dividend, which was paid on Friday, May 15th. Stockholders 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 annualized dividend and a dividend yield of 1.6%. Synchrony Financial’s payout ratio is 12.41%.

Analyst Upgrades and Downgrades

SYF has been the subject of several research analyst reports. HSBC lifted their price objective on Synchrony Financial from $93.00 to $97.00 and gave the company a “buy” rating in a research note on Monday. BTIG Research lowered Synchrony Financial from a “buy” rating to a “neutral” rating in a research note on Wednesday, April 22nd. Wells Fargo & Company lowered their price target on Synchrony Financial from $100.00 to $95.00 and set an “overweight” rating on the stock in a report on Thursday, April 9th. Barclays boosted their price objective on Synchrony Financial from $82.00 to $93.00 and gave the stock an “overweight” rating in a report on Wednesday, April 22nd. Finally, Loop Capital initiated coverage on shares of Synchrony Financial in a research report on Friday, May 22nd. They issued a “hold” rating and a $81.00 price objective on the stock. Twelve research 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, Synchrony Financial has a consensus rating of “Moderate Buy” and an average target price of $87.32.

Insider Buying and Selling

In other news, insider Jonathan S. Mothner sold 51,258 shares of the company’s stock in a transaction dated 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 directly owned 132,664 shares in the company, valued at approximately $9,449,656.72. This represents a 27.87% decrease in their position. 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. 0.36% of the stock is currently owned by corporate insiders.

Hedge Funds Weigh In On Synchrony Financial

Large investors have recently modified their holdings of the company. Advisors Asset Management Inc. purchased a new stake in Synchrony Financial in the fourth quarter worth approximately $29,000. FWL Investment Management LLC bought a new position in Synchrony Financial during the third quarter valued at approximately $26,000. Palisade Asset Management LLC bought a new position in shares of Synchrony Financial during the 3rd quarter valued at $29,000. DV Equities LLC purchased a new position in Synchrony Financial in the 4th quarter worth $42,000. Finally, Towarzystwo Funduszy Inwestycyjnych PZU SA lifted its stake 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 worth $41,000 after purchasing an additional 250 shares during the last quarter. 96.48% of the stock is owned by hedge funds and other 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.