Synchrony Financial (NYSE:SYF) Releases FY 2026 Earnings Guidance

Synchrony Financial (NYSE:SYF) issued an update on its FY 2026 earnings guidance on Tuesday morning. The company provided earnings per share (EPS) guidance of 9.250-9.500 for the period, compared to the consensus estimate of 9.310. The company issued revenue guidance of -.

Analyst Upgrades and Downgrades

Several research firms have weighed in on SYF. Truist Financial raised their target price on shares of Synchrony Financial from $71.00 to $82.00 and gave the company a “hold” rating in a report on Thursday, April 23rd. JPMorgan Chase & Co. lowered their price target on shares of Synchrony Financial from $81.00 to $78.00 and set a “neutral” rating on the stock in a research report on Monday, July 13th. Loop Capital assumed coverage on shares of Synchrony Financial in a research note on Friday, May 22nd. They set a “hold” rating and a $81.00 price objective for the company. Wells Fargo & Company cut their price objective on Synchrony Financial from $100.00 to $95.00 and set an “overweight” rating for the company in a research report on Thursday, April 9th. Finally, UBS Group upped their target price on Synchrony Financial from $77.00 to $84.00 and gave the company a “neutral” rating in a research note on Tuesday, July 7th. Twelve investment analysts have rated the stock with a Buy rating and eight have given a Hold rating to the company. According to data from MarketBeat.com, Synchrony Financial currently has an average rating of “Moderate Buy” and a consensus price target of $87.32.

Synchrony Financial Stock Down 0.2%

Shares of NYSE SYF opened at $73.48 on Tuesday. The firm has a market cap of $24.72 billion, a P/E ratio of 7.60, a price-to-earnings-growth 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. Synchrony Financial has a 1 year low of $63.08 and a 1 year high of $88.77. The firm’s 50 day moving average price is $73.17 and its 200 day moving average price is $73.30.

Synchrony Financial (NYSE:SYF) last issued its quarterly earnings results on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share for the quarter, beating the consensus estimate of $2.14 by $0.13. Synchrony Financial had a return on equity of 23.41% and a net margin of 15.80%.The company had revenue of $3.70 billion during the quarter, compared to the consensus estimate of $3.81 billion. During the same period in the previous year, the firm posted $1.89 EPS. Synchrony Financial’s revenue was down 7.4% on a year-over-year basis. As a group, sell-side analysts anticipate that Synchrony Financial will post 9.34 earnings per share for the current year.

Synchrony Financial announced that its Board of Directors has approved a share buyback plan on Tuesday, April 21st that allows the company to repurchase $0.00 in shares. This repurchase authorization allows the financial services provider to buy shares of its stock through open market purchases. Shares repurchase plans are usually an indication that the company’s leadership believes its shares are undervalued.

Insider Buying and Selling

In related news, insider Jonathan S. Mothner sold 51,258 shares of the stock in a transaction dated Friday, May 15th. The stock was sold at an average price of $71.23, for a total transaction of $3,651,107.34. Following 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 ownership of the stock. The transaction was disclosed in a filing with the SEC, which can be accessed through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders own 0.36% of the company’s stock.

Institutional Inflows and Outflows

Several large investors have recently modified their holdings of the stock. Bank of America Corp DE raised its stake in shares of Synchrony Financial by 34.6% during the second quarter. Bank of America Corp DE now owns 13,595,381 shares of the financial services provider’s stock valued at $907,356,000 after purchasing an additional 3,494,741 shares during the period. Worldquant Millennium Advisors LLC grew its holdings in Synchrony Financial by 222.5% during the 2nd quarter. Worldquant Millennium Advisors LLC now owns 937,296 shares of the financial services provider’s stock valued at $62,555,000 after purchasing an additional 646,642 shares in the last quarter. Invesco Ltd. grew its holdings in Synchrony Financial by 10.4% during the 4th quarter. Invesco Ltd. now owns 5,490,921 shares of the financial services provider’s stock valued at $458,108,000 after purchasing an additional 517,781 shares in the last quarter. Wellington Management Group LLP increased its stake in Synchrony Financial by 591.9% during the 4th quarter. Wellington Management Group LLP now owns 519,293 shares of the financial services provider’s stock worth $43,325,000 after buying an additional 444,241 shares during the period. Finally, Morgan Stanley lifted its holdings in Synchrony Financial by 7.6% in the 4th quarter. Morgan Stanley now owns 6,230,111 shares of the financial services provider’s stock worth $519,778,000 after buying an additional 442,226 shares in the last quarter. 96.48% of the stock is currently 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.