Q1 2026 EPS Estimates for Synchrony Financial Decreased by Analyst (NYSE:SYF)

Synchrony Financial (NYSE:SYF) – Equities research analysts at Zacks Research reduced their Q1 2026 earnings estimates for shares of Synchrony Financial in a research report issued on Tuesday, June 25th. Zacks Research analyst K. Dey now forecasts that the financial services provider will earn $1.57 per share for the quarter, down from their prior forecast of $1.58. The consensus estimate for Synchrony Financial’s current full-year earnings is $5.71 per share. Zacks Research also issued estimates for Synchrony Financial’s FY2026 earnings at $7.33 EPS.

SYF has been the subject of several other research reports. StockNews.com cut shares of Synchrony Financial from a “buy” rating to a “hold” rating in a research report on Tuesday. BTIG Research began coverage on shares of Synchrony Financial in a report on Friday, June 7th. They set a “buy” rating and a $60.00 price target for the company. Bank of America lifted their price objective on shares of Synchrony Financial from $43.00 to $44.00 and gave the company a “neutral” rating in a research note on Thursday, April 25th. BMO Capital Markets upped their target price on Synchrony Financial from $40.00 to $41.00 and gave the stock a “market perform” rating in a research note on Thursday, April 25th. Finally, Oppenheimer reaffirmed a “market perform” rating on shares of Synchrony Financial in a report on Wednesday, March 6th. One research analyst has rated the stock with a sell rating, eleven have given a hold rating and eleven have assigned a buy rating to the stock. According to data from MarketBeat, the stock currently has a consensus rating of “Hold” and a consensus target price of $45.10.

Synchrony Financial Stock Performance

NYSE:SYF opened at $47.19 on Thursday. The company has a debt-to-equity ratio of 1.15, a quick ratio of 1.23 and a current ratio of 1.24. Synchrony Financial has a fifty-two week low of $27.30 and a fifty-two week high of $47.24. The company has a market cap of $18.95 billion, a price-to-earnings ratio of 6.77, a PEG ratio of 1.05 and a beta of 1.60. The stock has a fifty day moving average price of $44.11 and a 200-day moving average price of $41.23.

Synchrony Financial (NYSE:SYF) last issued its quarterly earnings results on Wednesday, April 24th. The financial services provider reported $1.18 earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $1.37 by ($0.19). Synchrony Financial had a return on equity of 16.01% and a net margin of 13.49%. The company had revenue of $5.57 billion for the quarter, compared to analyst estimates of $4.44 billion. During the same period in the prior year, the company earned $1.35 EPS.

Institutional Inflows and Outflows

Several hedge funds have recently added to or reduced their stakes in SYF. Headlands Technologies LLC bought a new stake in shares of Synchrony Financial in the 1st quarter valued at $28,000. Massmutual Trust Co. FSB ADV raised its position in shares of Synchrony Financial by 44.1% in the 4th quarter. Massmutual Trust Co. FSB ADV now owns 1,274 shares of the financial services provider’s stock worth $49,000 after acquiring an additional 390 shares in the last quarter. Wetzel Investment Advisors Inc. acquired a new position in shares of Synchrony Financial in the 4th quarter valued at about $55,000. Brown Brothers Harriman & Co. boosted its position in shares of Synchrony Financial by 56.6% during the 4th quarter. Brown Brothers Harriman & Co. now owns 1,445 shares of the financial services provider’s stock valued at $55,000 after purchasing an additional 522 shares in the last quarter. Finally, Principal Securities Inc. acquired a new stake in Synchrony Financial during the fourth quarter worth approximately $60,000. Institutional investors own 96.48% of the company’s stock.

Insider Activity

In other Synchrony Financial news, insider Curtis Howse sold 31,562 shares of Synchrony Financial stock in a transaction dated Thursday, May 2nd. The stock was sold at an average price of $45.00, for a total transaction of $1,420,290.00. Following the transaction, the insider now directly owns 121,042 shares of the company’s stock, valued at approximately $5,446,890. The sale was disclosed in a document filed with the Securities & Exchange Commission, which can be accessed through this link. Insiders own 0.33% of the company’s stock.

Synchrony Financial Dividend Announcement

The firm also recently declared a quarterly dividend, which was paid on Wednesday, May 15th. Shareholders of record on Monday, May 6th were given a $0.25 dividend. This represents a $1.00 annualized dividend and a yield of 2.12%. The ex-dividend date of this dividend was Friday, May 3rd. Synchrony Financial’s dividend payout ratio (DPR) is currently 14.35%.

Synchrony Financial declared that its Board of Directors has initiated a stock buyback plan on Wednesday, April 24th that allows the company to repurchase $1.00 billion in outstanding shares. This repurchase authorization allows the financial services provider to repurchase up to 5.5% of its shares through open market purchases. Shares repurchase plans are typically an indication that the company’s board believes its shares are undervalued.

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.