What is Zacks Research's Estimate for SYF FY2026 Earnings?

Key Points

• Zacks Research raised its FY2026 EPS estimate for Synchrony Financial to $9.52 from $9.35, slightly below the analyst consensus estimate of $9.60.
• Synchrony reported quarterly EPS of $2.68, beating the $2.42 consensus, while revenue of $3.82 billion narrowly exceeded expectations.
• Analyst sentiment is moderately positive: 10 analysts rate the stock Buy and nine Hold, with a consensus price target of $87.78.

Synchrony Financial (NYSE:SYF - Free Report) - Analysts at Zacks Research raised their FY2026 earnings per share (EPS) estimates for shares of Synchrony Financial in a research note issued to investors on Tuesday, November 3rd. Zacks Research analyst Team now anticipates that the financial services provider will post earnings of $9.52 per share for the year, up from their prior forecast of $9.35. The consensus estimate for Synchrony Financial's current full-year earnings is $9.60 per share. Zacks Research also issued estimates for Synchrony Financial's Q4 2026 earnings at $1.98 EPS, Q1 2027 earnings at $2.31 EPS, Q3 2027 earnings at $2.98 EPS, Q4 2027 earnings at $2.47 EPS, FY2027 earnings at $10.48 EPS, Q1 2028 earnings at $2.53 EPS, Q3 2028 earnings at $3.33 EPS and FY2028 earnings at $11.67 EPS.

Other equities research analysts have also recently issued research reports about the company. Robert W. Baird lifted their price target on Synchrony Financial from $86.00 to $90.00 and gave the company an "outperform" rating in a report on Wednesday, July 22nd. TD Cowen decreased their price objective on Synchrony Financial from $90.00 to $86.00 and set a "buy" rating for the company in a report on Tuesday, October 6th. Weiss Ratings upgraded Synchrony Financial from a "buy (b-)" rating to a "buy (b)" rating in a research report on Thursday, October 8th. Evercore downgraded Synchrony Financial from an "outperform" rating to a "hold" rating and set a $78.00 target price on the stock. in a research note on Wednesday, October 21st. Finally, Jefferies Financial Group reiterated a "buy" rating and set a $103.00 price target on shares of Synchrony Financial in a research report on Tuesday, October 20th. Ten analysts have rated the stock with a Buy rating and nine have given a Hold rating to the company's stock. According to MarketBeat.com, the stock has a consensus rating of "Moderate Buy" and a consensus target price of $87.78.

Synchrony Financial Price Performance

NYSE SYF opened at $75.19 on Wednesday. Synchrony Financial has a 52 week low of $63.08 and a 52 week high of $88.77. The company has a current ratio of 1.23, a quick ratio of 1.23 and a debt-to-equity ratio of 1.15. The stock has a market cap of $23.42 billion, a price-to-earnings ratio of 7.85, a price-to-earnings-growth ratio of 0.95 and a beta of 1.40. The company has a 50-day moving average price of $74.87 and a two-hundred day moving average price of $73.62.

Synchrony Financial (NYSE:SYF - Get Free Report) last released its quarterly earnings data on Tuesday, October 20th. The financial services provider reported $2.68 earnings per share for the quarter, topping analysts' consensus estimates of $2.42 by $0.26. The business had revenue of $3.82 billion for the quarter, compared to analysts' expectations of $3.81 billion. Synchrony Financial had a net margin of 14.59% and a return on equity of 22.26%. During the same quarter last year, the company earned $2.86 EPS.

Synchrony Financial Dividend Announcement

The business also recently disclosed a quarterly dividend, which will be paid on Monday, November 16th. Stockholders of record on Thursday, November 5th will be issued a $0.34 dividend. The ex-dividend date is Thursday, November 5th. This represents a $1.36 annualized dividend and a dividend yield of 1.8%. Synchrony Financial's dividend payout ratio (DPR) is 14.20%.

Institutional Inflows and Outflows

A number of hedge funds have recently made changes to their positions in the stock. World Investment Advisors raised its position in Synchrony Financial by 0.6% in the first quarter. World Investment Advisors now owns 22,874 shares of the financial services provider's stock worth $1,556,000 after purchasing an additional 134 shares in the last quarter. Commonwealth Equity Services LLC boosted its holdings in Synchrony Financial by 0.7% in the third quarter. Commonwealth Equity Services LLC now owns 21,881 shares of the financial services provider's stock valued at $1,553,000 after acquiring an additional 147 shares during the last quarter. Center for Financial Planning Inc. grew its position in shares of Synchrony Financial by 45.3% during the 3rd quarter. Center for Financial Planning Inc. now owns 494 shares of the financial services provider's stock worth $35,000 after buying an additional 154 shares during the period. WealthTrust Asset Management LLC lifted its stake in shares of Synchrony Financial by 0.9% in the 1st quarter. WealthTrust Asset Management LLC now owns 17,452 shares of the financial services provider's stock valued at $1,187,000 after purchasing an additional 156 shares during the period. Finally, Parkside Financial Bank & Trust grew its position in shares of Synchrony Financial by 13.7% during the 2nd quarter. Parkside Financial Bank & Trust now owns 1,526 shares of the financial services provider's stock worth $116,000 after buying an additional 184 shares during the period. Institutional investors and hedge funds own 96.48% of the company's stock.

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.

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