Synchrony Financial (SYF) to Release Earnings on Wednesday

Key Points

• Synchrony Financial will release its Q3 2025 earnings on October 15, 2025, with analysts predicting $2.17 earnings per share and $3.7876 billion in revenue.
$0.30 quarterly dividend recently, displaying a yield of 1.7% and a payout ratio of 14.56%.
• Analysts have upgraded Synchrony Financial's stock rating, with JMP Securities boosting their price target from $77 to $88, indicating strong positive sentiment.

Synchrony Financial (NYSE:SYF - Get Free Report) will likely be releasing its Q3 2025 results before the market opens on Wednesday, October 15th. Analysts expect Synchrony Financial to post earnings of $2.17 per share and revenue of $3.7876 billion for the quarter. Synchrony Financial has set its FY 2025 guidance at EPS.Interested persons may review the information on the company's upcoming Q3 2025 earningreport for the latest details on the call scheduled for Wednesday, October 15, 2025 at 8:00 AM ET.

Synchrony Financial (NYSE:SYF - Get Free Report) last released its earnings results on Tuesday, July 22nd. The financial services provider reported $2.50 earnings per share for the quarter, topping analysts' consensus estimates of $1.72 by $0.78. Synchrony Financial had a return on equity of 21.34% and a net margin of 14.43%.The company had revenue of $3.65 billion during the quarter, compared to the consensus estimate of $3.71 billion. During the same quarter in the previous year, the company posted $1.55 EPS. Synchrony Financial's quarterly revenue was down 1.8% compared to the same quarter last year. On average, analysts expect Synchrony Financial to post $8 EPS for the current fiscal year and $9 EPS for the next fiscal year.

Synchrony Financial Stock Performance

Shares of SYF stock opened at $70.82 on Wednesday. The company has a debt-to-equity ratio of 1.02, a quick ratio of 1.24 and a current ratio of 1.24. Synchrony Financial has a fifty-two week low of $40.54 and a fifty-two week high of $77.41. The stock has a 50 day moving average price of $73.17 and a two-hundred day moving average price of $63.83. The company has a market capitalization of $26.35 billion, a P/E ratio of 8.59, a PEG ratio of 0.72 and a beta of 1.50.

Synchrony Financial Announces Dividend

The business also recently disclosed a quarterly dividend, which was paid on Friday, August 15th. Shareholders of record on Tuesday, August 5th were given a $0.30 dividend. The ex-dividend date was Tuesday, August 5th. This represents a $1.20 annualized dividend and a yield of 1.7%. Synchrony Financial's payout ratio is presently 14.56%.

Insider Activity at Synchrony Financial

In related news, insider Brian J. Sr. Wenzel sold 8,514 shares of the company's stock in a transaction on Tuesday, August 5th. The stock was sold at an average price of $70.00, for a total value of $595,980.00. Following the sale, the insider directly owned 68,588 shares of the company's stock, valued at $4,801,160. This represents a 11.04% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available at this link. Also, insider Darrell Owens sold 600 shares of the company's stock in a transaction on Monday, August 4th. The stock was sold at an average price of $67.95, for a total value of $40,770.00. Following the completion of the sale, the insider directly owned 21,372 shares in the company, valued at approximately $1,452,227.40. The trade was a 2.73% decrease in their ownership of the stock. The disclosure for this sale can be found here. 0.33% of the stock is currently owned by insiders.

Institutional Investors Weigh In On Synchrony Financial

Several hedge funds and other institutional investors have recently added to or reduced their stakes in SYF. NewEdge Advisors LLC grew its stake 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 acquiring an additional 679 shares during the last quarter. Woodline Partners LP grew its stake in shares of Synchrony Financial by 36.2% in the first quarter. Woodline Partners LP now owns 35,582 shares of the financial services provider's stock worth $1,884,000 after acquiring an additional 9,460 shares during the last quarter. Focus Partners Wealth grew its stake in shares of Synchrony Financial by 7.7% in the first quarter. Focus Partners Wealth now owns 6,406 shares of the financial services provider's stock worth $339,000 after acquiring an additional 459 shares during the last quarter. Geneos Wealth Management Inc. grew its stake in shares of Synchrony Financial by 337.0% in the first 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, Sivia Capital Partners LLC grew its stake in shares of 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 acquiring an additional 2,178 shares during the last quarter. 96.48% of the stock is owned by hedge funds and other institutional investors.

Analyst Upgrades and Downgrades

Several analysts have weighed in on the company. JMP Securities boosted their price objective on Synchrony Financial from $77.00 to $88.00 and gave the company a "market outperform" rating in a research report on Thursday, September 25th. Wall Street Zen upgraded Synchrony Financial from a "hold" rating to a "buy" rating in a research report on Saturday, September 20th. Rothschild & Co Redburn assumed coverage on Synchrony Financial in a research report on Friday, August 1st. They issued a "neutral" rating and a $72.00 price objective for the company. Bank of America boosted their price objective on Synchrony Financial from $75.00 to $80.00 and gave the company a "buy" rating in a research report on Thursday, September 11th. Finally, Evercore ISI boosted their target price on Synchrony Financial from $83.00 to $84.00 and gave the company an "outperform" rating in a research note on Tuesday, September 30th. Twelve analysts have rated the stock with a Buy rating and nine have given a Hold rating to the company. Based on data from MarketBeat.com, the stock presently has an average rating of "Moderate Buy" and an average target price of $77.26.

About Synchrony Financial

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms.

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