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

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

Synchrony Financial Price Performance

Shares of SYF stock opened at $73.48 on Tuesday. Synchrony Financial has a 1 year low of $63.08 and a 1 year high of $88.77. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 1.08. The firm’s 50 day moving average is $73.17 and its 200-day moving average is $73.30. The firm has a market capitalization of $24.72 billion, a price-to-earnings ratio of 7.60, a PEG ratio of 0.69 and a beta of 1.32.

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

Synchrony Financial announced that its board has authorized a share repurchase program on Tuesday, April 21st that permits the company to buyback $0.00 in shares. This buyback authorization permits the financial services provider to reacquire shares of its stock through open market purchases. Stock buyback programs are typically an indication that the company’s leadership believes its stock is undervalued.

Wall Street Analysts Forecast Growth

A number of analysts recently commented on SYF shares. Robert W. Baird lifted their price objective on Synchrony Financial from $83.00 to $86.00 and gave the stock an “outperform” rating in a research report on Wednesday, April 22nd. BTIG Research downgraded shares of Synchrony Financial from a “buy” rating to a “neutral” rating in a research note on Wednesday, April 22nd. Weiss Ratings reaffirmed a “buy (b-)” rating on shares of Synchrony Financial in a research note on Friday. JPMorgan Chase & Co. dropped their target price on shares of Synchrony Financial from $81.00 to $78.00 and set a “neutral” rating for the company in a research report on Monday, July 13th. Finally, Barclays raised their price target on Synchrony Financial from $82.00 to $93.00 and gave the stock an “overweight” rating in a research report on Wednesday, April 22nd. Twelve investment analysts have rated the stock with a Buy rating and eight have assigned a Hold rating to the stock. According to data from MarketBeat.com, Synchrony Financial has a consensus rating of “Moderate Buy” and a consensus target price of $87.32.

Insider Buying and Selling

In other Synchrony Financial news, insider Jonathan S. Mothner sold 51,258 shares of the firm’s stock in a transaction that occurred on Friday, May 15th. The shares were sold at an average price of $71.23, for a total transaction 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. This trade represents a 27.87% decrease in their position. The sale was disclosed in a filing with the SEC, which is accessible through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Company insiders own 0.36% of the company’s stock.

Institutional Investors Weigh In On Synchrony Financial

Several institutional investors have recently added to or reduced their stakes in the stock. FWL Investment Management LLC bought a new position in Synchrony Financial during the 3rd quarter worth about $26,000. Palisade Asset Management LLC acquired a new stake in Synchrony Financial in the 3rd quarter valued at approximately $29,000. Advisors Asset Management Inc. acquired a new stake in Synchrony Financial in the 4th quarter valued at approximately $29,000. Geneos Wealth Management Inc. boosted its position in Synchrony Financial by 337.0% during the 1st quarter. Geneos Wealth Management Inc. now owns 590 shares of the financial services provider’s stock worth $31,000 after acquiring an additional 455 shares during the last quarter. Finally, Towarzystwo Funduszy Inwestycyjnych PZU SA grew its stake in shares of Synchrony Financial by 75.8% during the 3rd quarter. Towarzystwo Funduszy Inwestycyjnych PZU SA now owns 580 shares of the financial services provider’s stock worth $41,000 after acquiring an additional 250 shares in the last quarter. 96.48% of the stock is owned by institutional investors.

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.