DailyIQ
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Sector:Financial ServicesAll sectors
Last updated 3 minutes ago

SYF·Synchrony Financial

$.
+. (+.%)
After Hours
High
$72.79
Open
$72.48
Market Cap
24.37B
52W High
$88.77
Low
$70.99
P. Close
$72.43
P/E
6.77
52W Low
$63.08
Fwd P/E
6.86
DailyIQ Est.
$91.52
Technical Score (1D)
50
NEUTRAL
News Sentiment
48
MIXED
Shares fell after mixed analyst coverage, reflecting uncertainty about SYF’s loan portfolio performance and consumer credit trends. This volatility may prompt short‑term repositioning by traders looking for clearer guidance. Watch for the upcoming earnings release and any updates on loan loss provisions and credit quality. SYF also launched a tuition‑free associate‑degree pathway for U.S. employees after three months of service, targeting trades such as HVAC, electrical, plumbing, and welding. The initiative could reduce training costs and improve workforce retention, supporting future earnings growth. Analysts remain divided: Argus lowered its target to $85, UBS raised it to $84, and TD Cowen lifted it to $90, indicating a mixed valuation outlook. This divergence may influence short‑term trading sentiment as investors weigh the potential for earnings upside against credit‑risk concerns. Watch for any further analyst revisions or guidance updates that could clarify SYF’s valuation trajectory. Additionally, the appointment of Carol Juel as CEO of the Digital Platform signals a push toward AI and digital‑first partnerships, which could accelerate revenue growth. Monitor the impact of this leadership change on digital revenue metrics and partnership expansion in the next earnings cycle.
Earnings Summary
Synchrony Financial (SYF) is a leading U.S. consumer financial services provider that specializes in credit products, offering a diverse portfolio of credit cards, installment loans, and commercial credit solutions to retailers, healthcare providers, and industry associations, while also providing consumer banking products and deposits. The company operates within the financial services sector, specifically the credit services industry, and leverages digital channels and strategic partnerships to deliver flexible payment and financing options across retail, healthcare, home, and auto markets. In the most recent two quarters, SYF reported EPS of $2.86 in Q3 2025 and $2.18 in Q4 2025, compared with $2.50 and $1.91 in Q2 2025 and Q4 2024 respectively, indicating a peak in Q3 followed by a modest decline in Q4; revenue rose from $3.647 B in Q2 2025 to $3.823 B in Q3 2025 and then surged to $4.761 B in Q4 2025, reflecting accelerated top‑line growth, while EPS beat analyst estimates in five of the last six quarters, with only the Q4 2024 quarter falling slightly short of the $1.91891 estimate. Historically, SYF has maintained a consistent upward trajectory, with YoY revenue growth of roughly 25 % from Q4 2024 to Q4 2025 and EPS growth of about 14 % over the same period, and the company has repeatedly outperformed consensus across multiple quarters, underscoring a pattern of robust earnings and resilient credit portfolio performance. Recent news highlights a leadership reshuffle in the Digital Platform, the launch of a tuition‑free associate‑degree pathway for employees, and a UBS upgrade to an overweight rating, all of which signal a strategic focus on workforce development, digital innovation, and confidence in loan portfolio health, though the impact on earnings remains to be seen. Investors should watch for the July 21 Q2 2026 earnings release, paying particular attention to loan loss provisions, digital revenue growth, and the uptake of the tuition‑free program, as these factors will be key to assessing margin resilience and the sustainability of SYF’s earnings momentum.

EPS

EstBeatMiss
$1.47$1.86$2.26$2.65$3.04Q1'25Q2'25Q3'25Q4'25Q1'26Q2'26
QtrEstActual+/−
Q2'26$2.13 - -
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$4.4B - -
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 $72.77, giving Synchrony Financial a market cap of 24.37B and a P/E ratio of 6.8. Today's range spans $70.99–$72.79, with shares opening at $72.48 and moving up $0.34 (0.5%) from the prior close. DailyIQ's technical score sits at 50/100 (HOLD) with a news sentiment reading of 48/100.

Over the past year SYF has traded between $63.08 and $88.77 - the current price is +15.4% off the 52-week low and -18.0% from the high. 29 analysts cover the stock with a Buy consensus and a mean 12-month target of $89.78 (range $80.00–$103.00), implying upside of +23.4%.

SYF is in consolidation mode: 50/100 technical score (HOLD), neutral sentiment at 48/100, price at $72.77 (in the lower half of its 52-week range within $63.08–$88.77). The current P/E ratio stands at 6.8. The 24.37B market cap in Financial Services means the stock is widely covered and any shift in analyst sentiment or earnings expectations will be immediately reflected in price - making the current neutral phase a good time to track upcoming catalysts closely.

The 52-week range of $63.08–$88.77 for SYF provides the structural reference that options traders, systematic funds, and discretionary managers all anchor to — and at $72.77 (in the lower half of its 52-week range), the stock sits in a zone where the next 5–10% move will likely define which crowd was right. A HOLD signal at 50/100 and neutral news backdrop (48/100) don't break the tie yet, but they narrow the probability distribution toward the upside.