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SF

Synchrony Financial (SYF)

NYSE • Financial Services

$71.72
+$0.2 (+0.3%)
Market closed

Last close at September 29, 2026 at 20:00 UTC

Open$71.7
Day Range$71.19 - $72
Avg. Volume (3M)2.9M
Market Cap$23.3B
P/E Ratio7.3
52 Week Range
$63.08$88.77
Next EarningsIn 20 daysOct 20, 2026

Metrics Over Time

Where the Money Goes

Q2 2026
Revenueeverything earned$4.6B100%
Gross Profitminus cost of goods$2.5B54%
Operating Incomeminus R&D and overhead$1.1B25%
Net Incomeminus taxes and the rest$885M19%

In plain terms: out of every $100 in revenue, Synchrony Financial keeps $19 as net profit.

Fundamentals & Financials

Revenue (TTM)
$18.9B
Net Income (TTM)
$3.5B
EPS (TTM)
$9.86
ROA (TTM)
2.89%
Current Ratio
3.72
Dividend Yield
0.48%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

+1.0%Q1 2026$2.07
+3.2%Q2 2026$2.27
+21.0%Q3 2026$2.59
Next

Oct 20

in 20 daysQ4 2026

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q3 2026
Beat +21.0%

Synchrony Financial beat consensus on earnings in the second fiscal quarter of 2026, reporting EPS of $2.59 versus the $2.14 estimate when it released results on July 21. Revenue came in at about $4.7 billion, with operating income of about $1.4 billion and an operating margin near 30%. Net income was about $885 million, down 8.5% from $967 million a year earlier, while EPS of $2.59 was up 3.6% from $2.50 a year ago. The company also repurchased about $878 million of stock and paid about $21 million in dividends. Consensus for the next period calls for EPS of $2.41.

Next report — what to expect

Synchrony Financial (SYF) reports next on October 21, 2026. Wall Street is looking for EPS of $2.38 on revenue of $3.82 billion. For trailing context, revenue declined -0.4% year over year last quarter. SYF has beaten EPS in 7 of 8 most recent quarters.

View full earnings history

About Synchrony Financial

Synchrony Financial (NYSE: SYF) is a consumer finance company that provides credit and deposit products in the United States. Its businesses span credit cards, installment lending, commercial financing, and banking products for consumers and commercial entities, and it generated $19.1 billion of revenue in FY2025.

Name
Synchrony Financial
CEO
Brian D. Doubles
Website
www.synchrony.com
Industry
Financial Services
Year Founded
1932
Employees
20,000

Today's Snapshot

AI-generated

The day ended with SYF slightly higher at 71.72, in line with a flat sector.

Trading Volume

Below 10d avg (3.0M)

2.4M

vs S&P 500 Today

Moderate Outperformance

+0.46%

Updated: September 29, 2026 at 20:17 UTC

SYF Headlines

Trump Credit-Card Cap Plan Hits Bank Stocks

January 12, 2026

5 min read
View All News

Technical Indicators

0 Buy2 Neutral6 Sell
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All signals
  • EMA (5 indicators)$73.04 - $75.68
    Sell
  • RSI (14)37.16
    Neutral
  • Stochastic %K (14, 3, 3)22.34
    Neutral
  • MACD Level (12, 26)-1.64
    Sell

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