DailyIQ
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Sector:Financial ServicesAll sectors
Last updated 2 minutes ago

SYF·Synchrony Financial

$.
-. (-.%)
After Hours
High
$72.23
Open
$71.41
Market Cap
23.95B
52W High
$88.77
Low
$70.87
P. Close
$71.44
P/E
6.65
52W Low
$56.51
Fwd P/E
6.87
Mean Target
-
Technical Score (1D)
45
NEUTRAL
News Sentiment
46
MIXED
Synchrony Financial (SYF) announced a substantial US$6.50 billion share repurchase program and a 13% dividend hike, effective Q3 2026, following Q1 2026 adjusted EPS that met expectations driven by improved net interest margins and robust purchase volume. This significant capital return initiative, coupled with 2026 guidance projecting mid-single-digit loan growth and EPS between US$9.10 and US$9.50, signals management's confidence in future performance. However, some insider selling and valuation concerns were noted alongside these positive developments. In recent analyst commentary, Argus Research has raised its price target for SYF to $81.00, indicating increased confidence, though this follows a previous downward revision to $79.00 and then $80.00, suggesting a fluctuating valuation outlook. Loop Capital initiated coverage with a 'Hold' rating and an $81.00 price target, presenting a neutral view amidst varied analyst sentiment. Meanwhile, Legal & General Group Plc has reduced its stock position in SYF, a move by a significant institutional investor that warrants monitoring for potential strategy shifts. The company's stock has experienced recent price weakness, down approximately 6% in the last month, though its one-year total shareholder return remains strong at 23.74%. This price weakness is prompting a closer look at SYF's underlying fundamentals and valuation metrics. Synchrony is also highlighted for its leadership in agentic commerce, an AI-driven approach to automate the customer journey, aiming to enhance engagement and efficiency. Furthermore, favorable interest rate environments are creating advantageous conditions for digital banks like SYF, with Treasury yields at 4.42% supporting widening lender spreads and cheaper deposit acquisition. Investors should watch SYF's ability to execute on its capital return plans and meet its forward guidance amidst these mixed signals.
Earnings Summary
Synchrony Financial is a prominent U.S. consumer financial services provider specializing in credit products, including credit cards, installment loans, and commercial credit solutions. The company collaborates with retailers, healthcare providers, and industry associations to offer private label, co-branded, and general-purpose cards, while also providing consumer banking products and accepting deposits. Operating within the Credit Services industry, Synchrony serves diverse sectors such as retail, healthcare, and automotive. Recent quarterly performance shows a pattern of exceeding earnings expectations. In Q1 2026, Synchrony reported actual EPS of $2.27, surpassing the estimate of $2.16, with revenue at $4.77 billion against an estimate of $3.77 billion. This follows Q4 2025, where actual EPS was $2.18 on an estimate of $2.06, and revenue was $4.76 billion versus an estimate of $4.82 billion. Prior to this, Q3 2025 saw actual EPS of $2.86 on an estimate of $2.21, and Q2 2025 reported actual EPS of $2.50 on an estimate of $1.77. This indicates a consistent trend of beating EPS estimates in the last four reported quarters, with revenue also showing strong performance in the most recent periods. Historically, Synchrony has demonstrated a strong beat rate against analyst estimates, particularly in earnings per share, with recent quarters showing significant outperformance. Revenue performance has also been robust, especially in the latest reported periods. Recent news indicates a reduction in Legal & General Group Plc's stock position in Synchrony, alongside analyst coverage initiation by Loop Capital with a 'Hold' rating and an $81 price target, following recent share price weakness. The company's Q1 results met EPS estimates but faced headwinds from lower deposits and increased expenses. Investors will be watching for further institutional investor activity, the market's reaction to valuation metrics, and SYF's performance relative to the $81 price target, considering the ongoing analysis of earnings estimates and potential catalysts for stock rebound.

EPS

EstBeatMiss
$1.47$1.86$2.26$2.65$3.04Q1'25Q2'25Q3'25Q4'25Q1'26Q2'26
QtrEstActual+/−
Q2'26$2.11 - -
Q1'26$2.16$2.27+5.1%
Q4'25$2.06$2.18+5.6%
Q3'25$2.21$2.86+29.3%
Q2'25$1.77$2.50+41.0%
Q1'25$1.65$1.89+14.5%

Revenue

EstBeatMiss
$3.5B$3.9B$4.2B$4.6B$5.0BQ1'25Q2'25Q3'25Q4'25Q1'26Q2'26
QtrEstActual+/−
Q2'26$4.6B - -
Q1'26$3.8B$4.8B+26.3%
Q4'25$4.8B$4.8B-1.2%
Q3'25 - $3.8B -
Q2'25 - $3.6B -
Q1'25 - $3.7B -
Full Earnings BreakdownEstimates, actuals, guidance, and historical context
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Market Data

SYF Stock Snapshot

SYF is currently trading at $71.44, giving Synchrony Financial a market cap of 23.95B and a P/E ratio of 6.7. Today's range spans $70.87–$72.23, with shares opening at $71.41 and moving up $0.00 (0.0%) from the prior close. DailyIQ's technical score sits at 45/100 (HOLD) with a news sentiment reading of 46/100.

Over the past year SYF has traded between $56.51 and $88.77 - the current price is +26.4% off the 52-week low and -19.5% from the high.

It's a pause for SYF: technical score 45/100 (HOLD), sentiment neutral (46/100), price $71.44 (in the middle of its 52-week range). (P/E: 6.7) At 23.95B in Financial Services market cap, pauses like this often occur when the stock has run ahead of near-term fundamental catalysts and is waiting for earnings or macro data to validate the prior move. Annual range: $56.51–$88.77. The consolidation is the story for now.

In neutral phases, large-cap Financial Services names like SYF are often where sector rotation debates play out quietly — at 23.95B in capitalization, the stock receives incremental allocation from funds reducing mega-cap exposure without the volatility of a small-cap entry. The 45/100 (HOLD) and neutral sentiment (46/100) at $71.44 (in the middle of its 52-week range) describe a stock that is being considered rather than avoided.