Equities Analysts Offer Predictions for SYF Q2 Earnings

Key Points

• Zacks Research cut its Q2 2026 EPS estimate for Synchrony to $1.85 from $2.27, trimming FY2026 modestly while making mixed upgrades to some later quarters and FY2027 forecasts.
• Synchrony beat Q1 EPS expectations ($2.27 vs. $2.14) but posted revenue of $3.70B, down 7.4% year‑over‑year and below estimates; management still guides FY2026 EPS to $9.10–$9.50.
• Analysts' consensus target is $86.32 versus the stock near $75.8, insiders have sold roughly $22M of shares in the past 90 days, and the company declared a quarterly dividend of $0.30.

Synchrony Financial (NYSE:SYF - Free Report) - Stock analysts at Zacks Research lowered their Q2 2026 earnings estimates for Synchrony Financial in a report issued on Thursday, April 30th. Zacks Research analyst Team now anticipates that the financial services provider will post earnings per share of $1.85 for the quarter, down from their prior forecast of $2.27. The consensus estimate for Synchrony Financial's current full-year earnings is $9.29 per share. Zacks Research also issued estimates for Synchrony Financial's Q1 2027 earnings at $2.53 EPS and Q2 2027 earnings at $2.02 EPS.

Synchrony Financial (NYSE:SYF - Get Free Report) last posted its earnings results on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share for the quarter, topping analysts' consensus estimates of $2.14 by $0.13. The company had revenue of $3.70 billion for the quarter, compared to analyst estimates of $3.81 billion. Synchrony Financial had a net margin of 15.80% and a return on equity of 23.41%. The firm's revenue was down 7.4% compared to the same quarter last year. During the same quarter in the prior year, the business posted $1.89 EPS. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS.

SYF has been the topic of several other research reports. Royal Bank Of Canada cut their target price on Synchrony Financial from $91.00 to $85.00 and set a "sector perform" rating on the stock in a research report on Wednesday, January 28th. TD Cowen lifted their price objective on shares of Synchrony Financial from $91.00 to $100.00 and gave the stock a "buy" rating in a report on Thursday, January 8th. Wells Fargo & Company lowered their target price on shares of Synchrony Financial from $100.00 to $95.00 and set an "overweight" rating for the company in a report on Thursday, April 9th. Truist Financial boosted their price target on shares of Synchrony Financial from $71.00 to $82.00 and gave the stock a "hold" rating in a report on Thursday, April 23rd. Finally, Weiss Ratings reaffirmed a "buy (b-)" rating on shares of Synchrony Financial in a research report on Monday, April 20th. One analyst has rated the stock with a Strong Buy rating, twelve have given a Buy rating and seven have issued a Hold rating to the company. Based on data from MarketBeat, the stock has an average rating of "Moderate Buy" and an average target price of $86.32.

Synchrony Financial Stock Performance

Shares of SYF opened at $75.83 on Monday. The firm has a market capitalization of $25.51 billion, a P/E ratio of 7.84, a P/E/G ratio of 0.66 and a beta of 1.37. Synchrony Financial has a 52 week low of $52.99 and a 52 week high of $88.77. The stock has a 50 day moving average price of $70.43 and a two-hundred day moving average price of $74.97. The company has a debt-to-equity ratio of 1.08, a quick ratio of 1.24 and a current ratio of 1.24.

Institutional Trading of Synchrony Financial

Hedge funds have recently made changes to their positions in the company. Advisors Asset Management Inc. purchased a new stake in Synchrony Financial in the 4th quarter worth about $29,000. Fideuram Asset Management Ireland dac purchased a new position in shares of Synchrony Financial in the fourth quarter worth about $29,000. Westside Investment Management Inc. increased its stake in shares of Synchrony Financial by 100.0% in the third quarter. Westside Investment Management Inc. now owns 358 shares of the financial services provider's stock worth $25,000 after purchasing an additional 179 shares in the last quarter. FWL Investment Management LLC bought a new stake in shares of Synchrony Financial in the third quarter valued at approximately $26,000. Finally, Reflection Asset Management purchased a new stake in shares of Synchrony Financial during the 4th quarter valued at approximately $31,000. 96.48% of the stock is currently owned by institutional investors.

Insider Activity at Synchrony Financial

In related news, insider Alberto Casellas sold 14,399 shares of the firm's stock in a transaction dated Monday, March 2nd. The shares were sold at an average price of $67.71, for a total transaction of $974,956.29. Following the completion of the sale, the insider owned 50,331 shares in the company, valued at approximately $3,407,912.01. This trade represents a 22.24% decrease in their ownership of the stock. The transaction was disclosed in a filing with the SEC, which is accessible through this link. Also, insider Bart Schaller sold 12,980 shares of the business's stock in a transaction dated Monday, March 2nd. The shares were sold at an average price of $67.71, for a total transaction of $878,875.80. Following the completion of the transaction, the insider owned 34,035 shares in the company, valued at approximately $2,304,509.85. The trade was a 27.61% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Insiders have sold 323,372 shares of company stock valued at $22,080,634 in the last 90 days. 0.33% of the stock is currently owned by company insiders.

Synchrony Financial declared that its board has approved a stock buyback program on Tuesday, April 21st that allows the company to repurchase $0.00 in shares. This repurchase authorization allows the financial services provider to purchase shares of its stock through open market purchases. Shares repurchase programs are often an indication that the company's management believes its shares are undervalued.

Synchrony Financial Announces Dividend

The business also recently declared a quarterly dividend, which will be paid on Friday, May 15th. Investors of record on Tuesday, May 5th will be issued a $0.30 dividend. This represents a $1.20 dividend on an annualized basis and a dividend yield of 1.6%. The ex-dividend date of this dividend is Tuesday, May 5th. Synchrony Financial's payout ratio is 12.41%.

Key Headlines Impacting Synchrony Financial

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

• Positive Sentiment: Zacks raised its Q1 2028 EPS estimate to $2.69 from $2.43 — a sizable lift that signals improving long‑term earnings expectations. MarketBeat SYF
• Positive Sentiment: Zacks boosted its Q3 2027 EPS view to $3.07 (from $2.75), suggesting stronger expected mid‑term profitability. MarketBeat SYF
• Positive Sentiment: Zacks raised its Q4 2026 estimate to $2.52 from $2.22 — an upgrade that improves near‑term quarterly expectations. MarketBeat SYF
• Positive Sentiment: Zacks nudged up its Q3 2026 EPS to $2.57 (from $2.50), another small but constructive revision for FY2026 cadence. MarketBeat SYF
• Positive Sentiment: Zacks increased its FY2027 EPS forecast to $10.26 (from $10.02), lifting longer‑range earnings expectations for the company. MarketBeat SYF
• Positive Sentiment: Analysts' consensus price target is $86.32 — well above the current trading level — which can act as a buoy for investor sentiment if maintained. Analyst Price Target
• Negative Sentiment: Zacks trimmed its FY2028 EPS estimate to $10.87 from $11.11, reducing longer‑term upside and indicating more modest growth than previously thought. MarketBeat SYF
• Negative Sentiment: Zacks lowered FY2026 EPS to $9.21 from $9.29, a small cut to the current fiscal‑year outlook that may temper near‑term expectations. MarketBeat SYF
• Negative Sentiment: MarketWatch flagged that Synchrony has been underperforming peers, which can pressure the share price as investors favor better‑performing financials. MarketWatch Underperformance

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.

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