S SYF

Synchrony Financial

$78.33

+4.20% (+$3.16)

Volume 5.25M

52W High $88.77

52W Low $46.13

Market Cap $28.22B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$2.16

Whisper EPS

$2.37

9.9% above consensus

Last Quarter

$2.18

Current Streak

4 Beats

Avg Surprise (4Q)

+21.97%

Next Earnings Report

Reports in 1 day

Report Date Apr 21, 2026

Time BMO

Whisper Spread +9.89%

Consensus Estimate

$2.16

Official analyst average

Whisper Number

$2.37

What traders expect

Bullish Sentiment: The whisper number is 9.9% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 27, 2026

1-Day: +0.58%

Q3 2025 Oct 15, 2025

1-Day: -2.86%

5-Day: -0.08%

Q2 2025 Jul 22, 2025

1-Day: +2.01%

Q1 2025 Apr 22, 2025

1-Day: +2.78%

Revenue & Financial Performance

Revenue Whisper

$4.96B

TWN Proprietary Estimate

Last Quarter Revenue

$4.77B

-3.1% YoY

Gross Margin

49.3%

Net Margin: 15.8%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$4.77B	-3.1%	49.3%	20.0%	$751.0M
Q3'25	$4.83B	-3.1%	55.4%	29.6%	$1.08B
Q2'25	$4.71B	-3.6%	53.1%	26.7%	$967.0M
Q1'25	$4.80B	-1.8%	46.4%	20.5%	$757.0M
Q4'24	$4.92B	+3.7%	45.5%	19.8%	$774.0M
Q3'24	$4.99B	+11.7%	44.4%	20.6%	$789.0M
Q2'24	$4.89B	+16.5%	41.3%	17.3%	$643.0M
Q1'24	$4.89B	+24.4%	37.7%	34.9%	$1.29B

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 27, 2026	$2.02	$2.24	$2.18	+7.92%	Missed
Q3 2025	Oct 15, 2025	$2.22	$2.39	$2.86	+28.83%	Beat
Q2 2025	Jul 22, 2025	$1.77	$1.85	$2.50	+41.24%	Beat
Q1 2025	Apr 22, 2025	$1.72	$1.75	$1.89	+9.88%	Beat
Q4 2024	Jan 28, 2025	$1.92	$2.00	$1.91	-0.52%	Missed
Q3 2024	Oct 16, 2024	$1.82	$1.90	$1.94	+6.59%	Beat
Q2 2024	Jul 17, 2024	$1.37	$1.43	$1.55	+13.14%	Beat
Q1 2024	Apr 24, 2024	$1.37	$1.43	$1.18	-13.87%	Missed
Q4 2023	Jan 23, 2024	$0.95	$0.98	$1.18	+24.21%	Beat
Q3 2023	Oct 24, 2023	$1.44	$1.50	$1.48	+2.78%	Missed
Q2 2023	Jul 18, 2023	$1.26	$1.32	$1.32	+4.76%	Met
Q1 2023	Apr 19, 2023	$1.45	$1.54	$1.35	-6.90%	Missed