What is Zacks Research’s Forecast for SYF Q4 Earnings?

Synchrony Financial (NYSE:SYF) – Analysts at Zacks Research reduced their Q4 2026 earnings estimates for shares of Synchrony Financial in a research report issued to clients and investors on Thursday, July 30th. Zacks Research analyst Team now expects that the financial services provider will post earnings per share of $2.09 for the quarter, down from their prior estimate of $2.49. The consensus estimate for Synchrony Financial’s current full-year earnings is $9.35 per share. Zacks Research also issued estimates for Synchrony Financial’s Q4 2027 earnings at $2.72 EPS, FY2027 earnings at $10.24 EPS and Q2 2028 earnings at $2.53 EPS.

Other research analysts also recently issued research reports about the stock. UBS Group upped their target price on shares of Synchrony Financial from $84.00 to $87.00 and gave the stock a “neutral” rating in a report on Monday. Barclays raised their price target on Synchrony Financial from $82.00 to $93.00 and gave the company an “overweight” rating in a report on Wednesday, April 22nd. TD Cowen boosted their price objective on Synchrony Financial from $89.00 to $90.00 and gave the company a “buy” rating in a research report on Tuesday, July 7th. BTIG Research lowered Synchrony Financial from a “buy” rating to a “neutral” rating in a research note on Wednesday, April 22nd. Finally, Weiss Ratings reiterated a “buy (b-)” rating on shares of Synchrony Financial in a research report on Friday, July 17th. Twelve investment analysts have rated the stock with a Buy rating and seven have given a Hold rating to the company. According to data from MarketBeat, the stock has an average rating of “Moderate Buy” and an average target price of $87.89.

Synchrony Financial Stock Up 2.7%

Shares of SYF stock opened at $77.85 on Monday. The company has a market capitalization of $25.33 billion, a price-to-earnings ratio of 7.98, a PEG ratio of 0.71 and a beta of 1.32. Synchrony Financial has a one year low of $63.08 and a one year high of $88.77. The company’s fifty day moving average price is $73.90 and its 200-day moving average price is $72.61. The company has a debt-to-equity ratio of 1.08, a current ratio of 1.22 and a quick ratio of 1.22.

Synchrony Financial (NYSE:SYF) last issued its quarterly earnings results on Tuesday, July 21st. The financial services provider reported $2.59 earnings per share for the quarter, beating the consensus estimate of $2.14 by $0.45. The business had revenue of $3.72 billion for the quarter, compared to the consensus estimate of $3.72 billion. Synchrony Financial had a net margin of 15.44% and a return on equity of 23.09%. During the same quarter in the previous year, the firm earned $2.50 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.250-9.500 EPS.

Institutional Investors Weigh In On Synchrony Financial

Several large investors have recently made changes to their positions in SYF. World Investment Advisors grew its holdings in shares of Synchrony Financial by 0.6% during the first quarter. World Investment Advisors now owns 22,874 shares of the financial services provider’s stock valued at $1,556,000 after purchasing an additional 134 shares during the last quarter. Cullen Frost Bankers Inc. boosted its position in Synchrony Financial by 7.3% during the 4th quarter. Cullen Frost Bankers Inc. now owns 1,995 shares of the financial services provider’s stock valued at $166,000 after purchasing an additional 135 shares during the period. CoreCap Advisors LLC grew its stake in Synchrony Financial by 34.4% during the 4th quarter. CoreCap Advisors LLC now owns 543 shares of the financial services provider’s stock worth $45,000 after buying an additional 139 shares during the last quarter. Choreo LLC grew its stake in Synchrony Financial by 1.1% during the 4th quarter. Choreo LLC now owns 13,486 shares of the financial services provider’s stock worth $1,137,000 after buying an additional 145 shares during the last quarter. Finally, Smartleaf Asset Management LLC increased its position in Synchrony Financial by 3.1% in the second quarter. Smartleaf Asset Management LLC now owns 5,027 shares of the financial services provider’s stock worth $333,000 after buying an additional 149 shares during the period. 96.48% of the stock is owned by institutional investors.

Insider Transactions at Synchrony Financial

In other Synchrony Financial news, insider Jonathan S. Mothner sold 51,258 shares of Synchrony Financial stock in a transaction on Friday, May 15th. The shares were sold at an average price of $71.23, for a total value of $3,651,107.34. Following the sale, the insider directly owned 132,664 shares in the company, valued at approximately $9,449,656.72. The trade was a 27.87% decrease in their position. The sale was disclosed in a legal filing with the SEC, which is accessible through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Corporate insiders own 0.36% of the company’s stock.

Synchrony Financial Increases Dividend

The business also recently declared a quarterly dividend, which will be paid on Monday, August 17th. Shareholders of record on Wednesday, August 5th will be issued a $0.34 dividend. The ex-dividend date is Wednesday, August 5th. This represents a $1.36 dividend on an annualized basis and a yield of 1.7%. This is an increase from Synchrony Financial’s previous quarterly dividend of $0.30. Synchrony Financial’s payout ratio is presently 12.30%.

Synchrony Financial announced that its board has initiated a share repurchase plan on Tuesday, April 21st that authorizes the company to repurchase $0.00 in outstanding shares. This repurchase authorization authorizes the financial services provider to repurchase shares of its stock through open market purchases. Stock repurchase plans are typically a sign that the company’s board believes its stock is undervalued.

Synchrony Financial Company Profile

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.