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

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

Wall Street Analyst Weigh In

Several equities research analysts recently weighed in on SYF shares. Barclays raised their price target on shares of Synchrony Financial from $82.00 to $93.00 and gave the company an “overweight” rating in a research report on Wednesday, April 22nd. TD Cowen increased their price target on shares of Synchrony Financial from $89.00 to $90.00 and gave the stock a “buy” rating in a research report on Tuesday, July 7th. UBS Group raised their target price on Synchrony Financial from $77.00 to $84.00 and gave the stock a “neutral” rating in a report on Tuesday, July 7th. Truist Financial boosted their price target on Synchrony Financial from $71.00 to $82.00 and gave the company a “hold” rating in a report on Thursday, April 23rd. Finally, Wells Fargo & Company cut their price objective on Synchrony Financial from $95.00 to $88.00 and set an “overweight” rating for the company in a research note on Wednesday. Twelve investment analysts have rated the stock with a Buy rating and eight have issued a Hold rating to the stock. Based on data from MarketBeat.com, the stock presently has a consensus rating of “Moderate Buy” and an average price target of $86.89.

Synchrony Financial Trading Up 0.9%

Shares of SYF opened at $72.84 on Thursday. The company has a debt-to-equity ratio of 1.08, a current ratio of 1.22 and a quick ratio of 1.24. Synchrony Financial has a 1 year low of $63.08 and a 1 year high of $88.77. The company has a 50 day simple moving average of $73.26 and a two-hundred day simple moving average of $73.15. The firm has a market cap of $24.50 billion, a P/E ratio of 7.46, a price-to-earnings-growth ratio of 0.68 and a beta of 1.32.

Synchrony Financial (NYSE:SYF) last issued its earnings results on Tuesday, July 21st. The financial services provider reported $2.59 earnings per share for the quarter, topping analysts’ consensus estimates of $2.14 by $0.45. The firm had revenue of $3.72 billion during the quarter, compared to analyst estimates 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 prior year, the business earned $2.50 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.250-9.500 EPS. On average, equities analysts expect that Synchrony Financial will post 9.34 earnings per share for the current fiscal year.

Synchrony Financial Increases Dividend

The business also recently disclosed a quarterly dividend, which will be paid on Monday, August 17th. Stockholders of record on Wednesday, August 5th will be paid a $0.34 dividend. This represents a $1.36 annualized dividend and a dividend yield of 1.9%. The ex-dividend date of this dividend is Wednesday, August 5th. This is a positive change from Synchrony Financial’s previous quarterly dividend of $0.30. Synchrony Financial’s dividend payout ratio is 12.41%.

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

Insider Buying and Selling at Synchrony Financial

In related news, insider Jonathan S. Mothner sold 51,258 shares of the stock in a transaction on Friday, May 15th. The stock was sold at an average price of $71.23, for a total transaction of $3,651,107.34. Following the sale, the insider owned 132,664 shares in the company, valued at approximately $9,449,656.72. This represents a 27.87% decrease in their position. The transaction was disclosed in a filing with the SEC, which is accessible through this hyperlink. 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 News Roundup

Here are the key news stories impacting Synchrony Financial this week:

• Positive Sentiment: Synchrony topped Q2 earnings estimates and lifted its 2026 EPS outlook, signaling solid operating momentum and better profitability ahead.
• Positive Sentiment: Several analysts remained constructive after the report, including Bank of America, Robert W. Baird, and Wells Fargo, with price targets still implying meaningful upside from current levels. Analyst target update
• Positive Sentiment: The company also increased its quarterly dividend by 13.3%, which may support investor confidence in capital generation and shareholder returns.
• Neutral Sentiment: Revenue came in roughly flat with expectations, so the quarter was more of an earnings beat than a top-line surprise.
• Negative Sentiment: Some firms lowered price targets, suggesting analysts see less upside than before despite remaining positive on the stock. Price target cuts

Hedge Funds Weigh In On Synchrony Financial

Several hedge funds have recently added to or reduced their stakes in the company. NewEdge Advisors LLC raised its holdings in shares of Synchrony Financial by 8.9% in the first quarter. NewEdge Advisors LLC now owns 8,302 shares of the financial services provider’s stock worth $439,000 after buying an additional 679 shares during the period. Woodline Partners LP boosted its holdings in Synchrony Financial by 36.2% during the 1st quarter. Woodline Partners LP now owns 35,582 shares of the financial services provider’s stock valued at $1,884,000 after acquiring an additional 9,460 shares during the period. Focus Partners Wealth grew its position in Synchrony Financial by 7.7% in the 1st quarter. Focus Partners Wealth now owns 6,406 shares of the financial services provider’s stock valued at $339,000 after acquiring an additional 459 shares during the last quarter. Geneos Wealth Management Inc. grew its position in Synchrony Financial by 337.0% in the 1st quarter. Geneos Wealth Management Inc. now owns 590 shares of the financial services provider’s stock valued at $31,000 after acquiring an additional 455 shares during the last quarter. Finally, Sivia Capital Partners LLC increased its stake in Synchrony Financial by 56.1% in the second quarter. Sivia Capital Partners LLC now owns 6,062 shares of the financial services provider’s stock worth $405,000 after purchasing an additional 2,178 shares during the period. 96.48% of the stock is currently owned by institutional investors.

About Synchrony Financial

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.