Q4 EPS Estimate for Synchrony Financial Reduced by Analyst

Synchrony Financial (NYSE:SYF) – Investment analysts at Zacks Research lowered their Q4 2025 earnings per share estimates for shares of Synchrony Financial in a research report issued on Friday, October 24th. Zacks Research analyst Team now expects that the financial services provider will post earnings per share of $1.64 for the quarter, down from their previous estimate of $1.69. 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 Q1 2026 earnings at $2.04 EPS, Q2 2026 earnings at $2.14 EPS, Q3 2026 earnings at $2.57 EPS, Q2 2027 earnings at $2.41 EPS and FY2027 earnings at $10.16 EPS.

Several other brokerages have also recently issued reports on SYF. Redburn Atlantic upgraded Synchrony Financial to a “hold” rating in a research report on Friday, August 1st. Truist Financial lowered their price target on Synchrony Financial from $82.00 to $78.00 and set a “hold” rating on the stock in a research report on Friday, October 17th. JMP Securities lifted their price target on Synchrony Financial from $77.00 to $88.00 and gave the company a “market outperform” rating in a research report on Thursday, September 25th. Weiss Ratings reiterated a “buy (b-)” rating on shares of Synchrony Financial in a research report on Wednesday, October 8th. Finally, Wells Fargo & Company lifted their target price on Synchrony Financial from $80.00 to $85.00 and gave the stock an “overweight” rating in a report on Thursday, October 16th. One research analyst has rated the stock with a Strong Buy rating, ten have given a Buy rating and nine have given a Hold rating to the company’s stock. According to MarketBeat.com, the stock currently has an average rating of “Moderate Buy” and an average price target of $81.38.

Synchrony Financial Stock Down 0.4%

Shares of Synchrony Financial stock opened at $74.70 on Monday. The business’s fifty day moving average price is $73.72 and its two-hundred day moving average price is $66.23. The company has a debt-to-equity ratio of 0.91, a current ratio of 1.24 and a quick ratio of 1.24. The company has a market capitalization of $26.90 billion, a P/E ratio of 8.15, a PEG ratio of 0.74 and a beta of 1.50. Synchrony Financial has a 1-year low of $40.54 and a 1-year high of $77.41.

Synchrony Financial (NYSE:SYF) last announced its earnings results on Wednesday, October 15th. The financial services provider reported $2.86 earnings per share for the quarter, beating the consensus estimate of $2.22 by $0.64. The firm had revenue of $3.82 billion for the quarter, compared to the consensus estimate of $3.79 billion. Synchrony Financial had a return on equity of 22.96% and a net margin of 15.84%.The firm’s revenue for the quarter was up .2% on a year-over-year basis. During the same quarter in the previous year, the business earned $1.94 EPS. Synchrony Financial has set its FY 2025 guidance at EPS.

Synchrony Financial Dividend Announcement

The firm also recently declared a quarterly dividend, which will be paid on Monday, November 17th. Stockholders of record on Wednesday, November 5th will be issued a dividend of $0.30 per share. The ex-dividend date is Wednesday, November 5th. This represents a $1.20 dividend on an annualized basis and a dividend yield of 1.6%. Synchrony Financial’s payout ratio is currently 13.10%.

Synchrony Financial announced that its board has initiated a share repurchase plan on Wednesday, October 15th that permits the company to buyback $1.00 billion in shares. This buyback authorization permits the financial services provider to reacquire up to 3.7% of its shares through open market purchases. Shares buyback plans are typically an indication that the company’s management believes its shares are undervalued.

Insiders Place Their Bets

In other news, insider Brian J. Sr. Wenzel sold 8,514 shares of Synchrony Financial stock in a transaction on Tuesday, August 5th. The stock was sold at an average price of $70.00, for a total transaction of $595,980.00. Following the transaction, the insider owned 68,588 shares in the company, valued at approximately $4,801,160. The trade was a 11.04% decrease in their ownership of the stock. The sale was disclosed in a filing with the SEC, which can be accessed through the SEC website. Also, insider Darrell Owens sold 600 shares of Synchrony Financial stock in a transaction on Monday, August 4th. The shares were sold at an average price of $67.95, for a total value of $40,770.00. Following the transaction, the insider owned 21,372 shares in the company, valued at $1,452,227.40. This represents a 2.73% decrease in their position. The SEC filing for this sale provides additional information. Insiders own 0.33% of the company’s stock.

Institutional Inflows and Outflows

A number of institutional investors and hedge funds have recently modified their holdings of the business. Ritholtz Wealth Management grew its holdings in shares of Synchrony Financial by 73.8% during the third quarter. Ritholtz Wealth Management now owns 77,220 shares of the financial services provider’s stock valued at $5,486,000 after buying an additional 32,802 shares in the last quarter. Wilmington Savings Fund Society FSB boosted its position in Synchrony Financial by 32.3% during the third quarter. Wilmington Savings Fund Society FSB now owns 4,833 shares of the financial services provider’s stock valued at $343,000 after purchasing an additional 1,179 shares during the last quarter. Versant Capital Management Inc boosted its position in Synchrony Financial by 3.4% during the third quarter. Versant Capital Management Inc now owns 5,595 shares of the financial services provider’s stock valued at $398,000 after purchasing an additional 182 shares during the last quarter. Ashton Thomas Securities LLC acquired a new stake in Synchrony Financial during the third quarter valued at $35,000. Finally, Kera Capital Partners Inc. boosted its position in Synchrony Financial by 4.6% during the third quarter. Kera Capital Partners Inc. now owns 6,009 shares of the financial services provider’s stock valued at $427,000 after purchasing an additional 265 shares during the last quarter. Hedge funds and other institutional investors own 96.48% of the company’s stock.

Synchrony Financial Company Profile

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms.