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

Synchrony Financial (NYSE:SYF) issued an update on its FY 2026 earnings guidance on Wednesday. The company provided earnings per share (EPS) guidance of 9.500-9.500 for the period, compared to the consensus earnings per share estimate of 9.440.

Wall Street Analyst Weigh In

Several analysts recently weighed in on the stock. JPMorgan Chase & Co. lifted their price target on shares of Synchrony Financial from $74.00 to $77.00 and gave the company a “neutral” rating in a report on Wednesday. TD Cowen reduced their price objective on shares of Synchrony Financial from $90.00 to $86.00 and set a “buy” rating on the stock in a research report on Tuesday, October 6th. HSBC upped their price objective on shares of Synchrony Financial from $93.00 to $97.00 and gave the stock a “buy” rating in a report on Monday, July 13th. Morgan Stanley decreased their price objective on shares of Synchrony Financial from $84.00 to $83.00 and set an “equal weight” rating for the company in a report on Monday, October 12th. Finally, Royal Bank Of Canada reaffirmed a “sector perform” rating on shares of Synchrony Financial in a research report on Tuesday. Ten investment analysts have rated the stock with a Buy rating and nine have given a Hold rating to the company. According to MarketBeat.com, the stock has a consensus rating of “Moderate Buy” and an average price target of $87.83.

Synchrony Financial Trading Up 1.3%

SYF opened at $75.10 on Friday. The company has a quick ratio of 1.22, a current ratio of 1.23 and a debt-to-equity ratio of 1.15. Synchrony Financial has a 52 week low of $63.08 and a 52 week high of $88.77. The stock has a market cap of $24.44 billion, a PE ratio of 7.84, a PEG ratio of 0.85 and a beta of 1.35. The business has a 50 day moving average of $75.57 and a 200-day moving average of $74.72.

Synchrony Financial (NYSE:SYF) last issued its quarterly earnings results on Tuesday, October 20th. The financial services provider reported $2.68 earnings per share for the quarter, topping the consensus estimate of $2.42 by $0.26. The company had revenue of $3.82 billion for the quarter, compared to analysts’ expectations of $3.81 billion. Synchrony Financial had a return on equity of 22.26% and a net margin of 14.59%. During the same period in the prior year, the firm earned $2.86 earnings per share. Equities research analysts predict that Synchrony Financial will post 9.50 earnings per share for the current fiscal year.

Synchrony Financial Dividend Announcement

The company also recently disclosed a quarterly dividend, which will be paid on Monday, November 16th. Shareholders of record on Thursday, November 5th will be given a dividend of $0.34 per share. The ex-dividend date of this dividend is Thursday, November 5th. This represents a $1.36 annualized dividend and a yield of 1.8%. Synchrony Financial’s dividend payout ratio (DPR) is currently 13.93%.

Key Stories Impacting Synchrony Financial

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

• Positive Sentiment: Zacks upgraded Synchrony to Rank #2 (Buy), citing improving earnings prospects and estimate revisions. The upgrade may support near-term investor interest. Synchrony upgraded to Buy
• Positive Sentiment: Synchrony raised its FY 2026 EPS guidance to $9.50, above the $9.44 analyst consensus, reinforcing the view that earnings could remain resilient.
• Positive Sentiment: Barclays raised its price target to $94 from $93 and maintained an Overweight rating. The target implies substantial upside and reflects confidence following the company’s third-quarter results.
• Positive Sentiment: CareCredit launched CareCredit Pay Later, an installment-loan option offered alongside its revolving credit card. The product could broaden consumer payment choices, support healthcare-provider adoption and strengthen Synchrony’s digital strategy. CareCredit Pay Later launch
• Positive Sentiment: Third-quarter results included EPS of $2.68, ahead of the $2.42 consensus estimate, while commentary highlighted consumer strength and digital growth opportunities.
• Neutral Sentiment: JPMorgan raised its price target to $77 from $74 but kept a Neutral rating, indicating modest valuation upside without a strong bullish recommendation.
• Neutral Sentiment: Analyst views remain mixed, and value-focused comparisons with other financial-services stocks may limit conviction despite Synchrony’s low valuation metrics.
• Negative Sentiment: Evercore downgraded Synchrony from Outperform to In Line with a $78 target, citing higher interest rates and macroeconomic volatility. Those factors could pressure funding costs, credit quality and consumer borrowing demand.

About Synchrony Financial

Synchrony Financial (NYSE: SYF) is a consumer financial services company that provides private-label credit cards, co-branded credit cards and promotional financing programs. Its financing products are offered through retailers, manufacturers, healthcare providers and other businesses, helping consumers pay for purchases over time.

The company serves a range of industries, including digital commerce, home improvement, furniture, automotive, healthcare, jewelry, apparel, electronics and specialty retail.