SYF Synchrony Financial

$84.34

*Only the 1D chart reflects 15-min delayed quotes during market hours. Other timeframes update after market close.

Reporting for fiscal period ending 2025-12-31
Expected on Jan 23, 2026
Report Time: Unknown Release Time
The Whisper Number
$2.32
Consensus Estimate: $2.03
Revenue Estimate: $3.84B

Latest Earnings Insight

Synchrony Financial's upcoming earnings report on October 15 is set against a backdrop of anticipation, particularly as the company navigates a competitive financial landscape with a market cap of approximately $26.6 billion. Analysts are eyeing an EPS estimate of $2.22, which notably surpasses the whisper number of $2.01, suggesting a cautious optimism about the company's profitability. With a revenue estimate of $3.80 billion, investors are keen to see how Synchrony leverages its strategic initiatives to drive growth in a challenging economic environment. The absence of recent news leaves the market sentiment largely influenced by these expectations, making this earnings release a pivotal moment for Synchrony to demonstrate its resilience and strategic prowess in maintaining its financial momentum.

Updated On 12/31/2025

About Synchrony Financial

Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.

Website: https://www.synchrony.com

Sector
FINANCE
Industry
FINANCE SERVICES
Exchange
NYSE
Country
USA
Currency
USD
Fiscal Year End
December
CIK
1601712
Address
777 LONG RIDGE ROAD, STAMFORD, CT, US
Valuation
Market Cap
$18.61B
P/E Ratio
5.60
PEG Ratio
1.61
Price to Book
1.21
Performance
EPS
$8.55
Dividend Yield
2.09%
Profit Margin
37.30%
ROE
23.00%
Technicals
50D MA
$55.45
200D MA
$56.48
52W High
$70.67
52W Low
$40.55
Fundamentals
Shares Outstanding
389M
Target Price
$66.62
Beta
1.45

SYF EPS Estimates vs Actual

Estimated
Actual

SYF News & Sentiment

Dec 31, 2025 • openPR.com SOMEWHAT-BULLISH
Food Colors Market Insights Highlight Growth Opportunities and Key Players DuPont de Nemours, Inc., ADM, BASF SE
The global Food Colors Market is projected to grow from USD 4.22 billion in 2025 to USD 6.52 billion by 2032, exhibiting a CAGR of 6.4%. This growth is driven by rapid innovation and shifting regional dynamics. The report provides key insights into market structure, segmentation, competitive landscape, and strategic recommendations for stakeholders.
Dec 30, 2025 • AD HOC NEWS SOMEWHAT-BULLISH
Synchrony Financial Is Quietly Rebuilding the Future of Consumer Credit
Synchrony Financial is transforming into a sophisticated, data-driven credit and payments platform, moving beyond its traditional store-card origins to compete with banks and Buy Now, Pay Later (BNPL) fintechs. It offers a configurable credit and loyalty stack, empowering merchants with private-label cards, co-branded products, and embedded financing while handling compliance and risk. This repositioning and focus on a robust credit operating system aims to provide long-term value for investors, making Synchrony a pragmatic and integrated option in the evolving consumer credit landscape.
Dec 30, 2025 • 富途牛牛 NEUTRAL
Synchrony Financial Stock Underperforms Monday When Compared To Competitors
Synchrony Financial (SYF) stock underperformed on Monday, declining by 1.48% compared to competitors. This article also mentions Unity Software (U.US) reporting strong fourth-quarter financial results with revenue of $609 million, exceeding estimates, despite a quarterly loss of 66 cents per share.
Dec 29, 2025 • MarketBeat SOMEWHAT-BULLISH
Archford Capital Strategies LLC Grows Position in Synchrony Financial $SYF
Archford Capital Strategies LLC significantly increased its stake in Synchrony Financial (NYSE:SYF) by 97.0% in Q3, now holding 37,507 shares valued at $2.665 million. This comes as Synchrony reported an earnings beat with Q3 EPS of $2.86 and authorized a $1.00 billion share buyback. Analysts currently have a "Moderate Buy" consensus rating with an average target price of $83.33 for the stock.
Dec 25, 2025 • Simply Wall Street SOMEWHAT-BULLISH
Synchrony Financial (SYF): Assessing Valuation After Partnership Expansions and Strengthening Credit Performance
Synchrony Financial (SYF) has expanded key partnerships and renewed deals, contributing to recent share price growth. Despite a strong performance, some analysts consider the stock fairly priced while a valuation model suggests potential upside. The company's investments in technology aim to enhance risk management and operational efficiency, although economic headwinds pose potential challenges.
Dec 25, 2025 • Simply Wall Street NEUTRAL
Synchrony Financial (SYF): Assessing Valuation After Partnership Expansions and Strengthening Credit Performance
Synchrony Financial (SYF) has expanded its partnerships, including CareCredit, Mitsubishi Electric Trane, Walmart, and Amazon, leading to a 15% share price return over one month. Analysts and Simply Wall St's narrative valuation suggest the stock is near its fair value of $85.57, with some indicators hinting at potential upside. Despite strong partnership growth and technological investments supporting net interest margins, elevated payment rates and cautious consumer spending pose risks to future growth assumptions.
Sentiment Snapshot

Average Sentiment Score:

0.296
50 articles with scored sentiment

Overall Sentiment:

Bullish

SYF Reported Earnings

Jul 22, 2025
Jun 30, 2025 (Pre market)
0.73 Surprise
  • Reported EPS: $2.50
  • Estimate: $1.77
  • Whisper:
  • Surprise %: 41.2%
Apr 22, 2025
Mar 31, 2025 (Pre market)
0.24 Surprise
  • Reported EPS: $1.89
  • Estimate: $1.65
  • Whisper:
  • Surprise %: 14.6%
Jan 28, 2025
Dec 31, 2024 (Pre market)
-0.01 Surprise
  • Reported EPS: $1.91
  • Estimate: $1.92
  • Whisper:
  • Surprise %: -0.5%
Oct 16, 2024
Sep 30, 2024 (Pre market)
0.12 Surprise
  • Reported EPS: $1.94
  • Estimate: $1.82
  • Whisper:
  • Surprise %: 6.6%
Jul 17, 2024
Jun 30, 2024 (Pre market)
0.18 Surprise
  • Reported EPS: $1.55
  • Estimate: $1.37
  • Whisper:
  • Surprise %: 13.1%
Apr 24, 2024
Mar 31, 2024 (Pre market)
-0.19 Surprise
  • Reported EPS: $1.18
  • Estimate: $1.37
  • Whisper:
  • Surprise %: -13.9%
Jan 23, 2024
Dec 31, 2023 (Pre market)
0.23 Surprise
  • Reported EPS: $1.18
  • Estimate: $0.95
  • Whisper:
  • Surprise %: 24.2%
Oct 24, 2023
Sep 30, 2023 (Pre market)
0.04 Surprise
  • Reported EPS: $1.48
  • Estimate: $1.44
  • Whisper:
  • Surprise %: 2.8%
Jul 18, 2023
Jun 30, 2023 (Pre market)
0.06 Surprise
  • Reported EPS: $1.32
  • Estimate: $1.26
  • Whisper:
  • Surprise %: 4.8%

Financials