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Q2 2026 earnings • released • EPS beat +21.85% • Revenue miss -32.59%
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SYF:NYSE
Synchrony Financial
$72.68
+1.27%
(+0.91) 1D
Jul 24, 3:34:22 PM GMT-4  ·   USD
All symbols
SymbolPriceChange% Change
Generating top insights for SYF...
Open
$71.19
High
$73.84
Low
$71.01
Mkt. cap
23.65B
Avg. vol.
3.90M
Volume
2.34M
Dividend
1.87%
Quarterly dividend
$0.34
Ex-dividend date
Aug 5, 2026
P/E ratio
7.44
52-wk high
$88.77
52-wk low
$63.08
EPS
$9.75
Beta
1.32
Shares outstanding
336.37M
No. of employees
20K
Open
$71.19
High
$73.84
Low
$71.01
Mkt. cap
23.65B
Avg. vol.
3.90M
Volume
2.34M
Dividend
1.87%
Quarterly dividend
$0.34
Ex-dividend date
Aug 5, 2026
P/E ratio
7.44
52-wk high
$88.77
52-wk low
$63.08
EPS
$9.75
Beta
1.32
Shares outstanding
336.37M
No. of employees
20K
News stories
From sources across the web
Profile
Synchrony Financial is an American consumer financial services company with its headquarters in Draper, Utah, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries and consumers through Synchrony Bank, its wholly owned online bank subsidiary. Brands partnered with Synchrony include Amazon, Lowe's, Guitar Center, Cathay Pacific, Rakuten, Verizon, Sleep Number, Walgreens, and Sam's Club. Synchrony owns CareCredit, a credit card for medical and veterinary expenses. Wikipedia
About Synchrony Financial
CEOBrian D. Doubles
Employees20K
Founded1932
HeadquartersStamford, Connecticut, United States
SectorPayment service provider
Websitesynchrony.com
Analyst ratings
Based on 18 analysts giving stock ratings to SYF in the past 3 months
Buy
Buy
11
Hold
7
Sell
0
12-month forecast
Based on 18 Wall Street analysts offering 12 month price targets for SYF in the last 3 months.
Highest
Current $72.68
$104.00 (+43.09%)
Average
$89.75 (+23.49%)
Lowest
$78.00 (+7.32%)
Analyst
Recommendation
Action
Price target
Projected
Date
Moshe Orenbuch
TD Cowen
Buy
Maintained
$90.00
+23.8%
07/22/2026
John Pancari
Evercore ISI
Buy
Maintained
$90.00
+23.8%
07/22/2026
Mark DeVries
Deutsche Bank
Buy
Reiterated
$104.00
+43.1%
07/22/2026
Unknown Analyst
Jefferies
Buy
Maintained
$103.00
+41.7%
07/22/2026
Brian Foran
Truist Financial
Hold
Maintained
-
-
07/22/2026
Unknown Analyst
Goldman Sachs
Buy
Maintained
$87.00
+19.7%
07/22/2026
Richard Shane
J.P. Morgan
Hold
Maintained
$78.00
+7.3%
07/22/2026
Jon Arfstrom
RBC Capital
Hold
Maintained
$80.00
+10.1%
07/21/2026
Jeffrey Adelson
Morgan Stanley
Hold
Reiterated
$84.00
+15.6%
07/22/2026
David George
Robert W. Baird
Buy
Maintained
$90.00
+23.8%
07/22/2026
Vincent Caintic
BTIG
Hold
Maintained
-
-
07/22/2026
Donald Fandetti
Wells Fargo
Buy
Maintained
$88.00
+21.1%
07/21/2026
Sanjay Sakhrani
KBW
Buy
Maintained
$98.00
+34.8%
07/22/2026
Terry Ma
Barclays
Buy
Maintained
$93.00
+28%
07/22/2026
Mihir Bhatia
Bank of America Securities
Buy
Reiterated
$89.00
+22.5%
07/21/2026
Saul Martinez
HSBC
Buy
Maintained
$97.00
+33.5%
07/12/2026
Erika Najarian
UBS
Hold
Reiterated
$84.00
+15.6%
07/07/2026
Hoang Nguyen
TD Cowen
Buy
Maintained
$89.00
+22.5%
06/09/2026
Dominick Gabriele
Loop Capital Markets
Hold
Initiated
$81.00
+11.4%
05/21/2026
Last report
Jul 21, 2026
Fiscal period
Q2 2026
EPS / Est. (USD)
$2.59 / $2.13
+21.85%beat
Revenue / Est. (USD)
2.52B / 3.73B
-32.59%miss
Fiscal Q2 2026 earnings call
Waiting for the earnings call
At a glance
Insights from the latest news and reports
Previous reportsAll values in USD
Loading Previous Earnings...
Income statement
Revenue
Net income
All values in USD
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Revenue
2.68B
2.35B
2.36B
2.52B
Cost of goods sold
-
-
-
-
Cost of revenue
-
-
-
-
Research and development expenses
-
-
-
-
Total research and development expenses
-
-
-
-
Selling, general, and admin expenses
1.09B
1.20B
1.10B
1.12B
Operating expense
1.25B
1.21B
1.23B
1.33B
Total operating expenses
1.25B
1.21B
1.23B
1.33B
Operating income
1.43B
1.14B
1.14B
1.19B
Other non operating income
-
-
-
-
EBT including unusual items
1.43B
952.00M
1.05B
1.19B
EBT excluding unusual items
1.43B
1.14B
1.14B
1.19B
Income tax expense
352.00M
201.00M
242.00M
301.00M
Effective tax rate
24.63%
21.11%
23.11%
25.38%
Other operating expenses
159.00M
5.00M
128.00M
210.00M
Net income
1.08B
751.00M
805.00M
885.00M
Net profit margin
40.23%
31.94%
34.07%
35.16%
Earnings per share
2.86
2.18
2.27
2.59
Interest and investment income
-
-
-
-
Interest expense
-
-
-
-
Net interest expenses
-
-
-
-
Depreciation and amortization charges
-
-
-
-
EBITDA
-
-
-
-
Gain or loss from assets sale
-
-
-
-
Insider transactions
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Type
Date
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Amount
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