DailyIQ
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Sector:Financial ServicesAll sectors
Last updated 2 minutes ago

SYF·Synchrony Financial

$.
-. (-.%)
After Hours
High
$74.38
Open
$73.80
Market Cap
24.76B
52W High
$88.77
Low
$73.04
P. Close
$73.62
P/E
6.88
52W Low
$63.08
Fwd P/E
34.80
DailyIQ Est.
$91.71
Technical Score (1D)
45
NEUTRAL
News Sentiment
52
MIXED
SYF will report Q2 earnings on Tuesday, and traders are keen to see whether the company can reverse its recent revenue stagnation and margin compression. The firm posted flat revenue of $3.70 billion year‑over‑year, missing estimates and continuing a trend of missed revenue forecasts over the past two quarters. Net interest margin was also below expectations, signaling potential pressure on profitability from higher funding costs or weaker loan growth. Analysts now project a 2.7 % revenue increase YoY for the current quarter, suggesting that the firm may be on a path to modest upside if it can lift loan volume or fee income. The earnings call will be critical for guidance on margin recovery, as SYF’s ability to manage interest rate spreads will determine near‑term earnings resilience. Investors should also watch for any changes to the credit portfolio mix, particularly the balance between consumer and commercial lending, which could affect risk exposure and future earnings. A positive surprise in revenue or margin could lift the stock, while continued flatness or a downgrade in guidance would likely weigh on sentiment. In the next 1–10 trading days, market participants will be looking for any indications that SYF can improve its loan growth trajectory or cost structure. Keep an eye on the earnings call for updates on loan loss provisions and the outlook for consumer credit demand, as these factors will shape the company’s profitability outlook.
Earnings Summary
Synchrony Financial 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 through partnerships with retailers, healthcare providers, and industry associations. The company’s business model places it firmly in the credit services sector, with a focus on flexible payment and financing options across retail, healthcare, home, and auto markets. In the most recent reporting cycle, Synchrony posted Q4 2025 revenue of $4.761 billion, slightly below the $4.817 billion estimate, while Q1 2026 revenue rebounded to $4.768 billion, surpassing the $3.774 billion estimate; EPS, however, remained strong, with Q4 2025 earnings of $2.18 versus an estimate of $2.0645 and Q1 2026 EPS of $2.27 versus $2.15996, indicating consistent beats in each of the last six quarters, except for Q4 2024 where EPS of $1.91 fell marginally short of the $1.91891 estimate. Historically, Synchrony has maintained a streak of earnings beats, with revenue growth fluctuating but trending upward year‑over‑year, and the company’s guidance has repeatedly highlighted net‑interest margin and fee growth as key drivers, even as revenue has faced flat or modest increases in recent quarters. Recent news highlights that Synchrony will report Q2 2026 earnings soon, with analysts noting flat revenue and margin compression in the current quarter, and the firm’s focus on cash flow, loan‑loss provisions, and credit‑card portfolio metrics; the company’s recent executive appointments to lead its digital platform and AI initiatives signal a strategic pivot toward technology‑driven growth, while the issuance of Series B fixed‑rate reset preferreds introduces a new funding source that could affect capital structure. Investors should watch for guidance on margin recovery, loan‑loss provisioning, and the balance of consumer versus commercial lending in the upcoming earnings call, as these factors will shape the company’s near‑term earnings resilience and the impact of higher funding costs on profitability.

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 $73.62, giving Synchrony Financial a market cap of 24.76B and a P/E ratio of 6.9. Today's range spans $73.04–$74.38, with shares opening at $73.80 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 52/100.

Over the past year SYF has traded between $63.08 and $88.77 - the current price is +16.7% off the 52-week low and -17.1% from the high. 29 analysts cover the stock with a Buy consensus and a mean 12-month target of $89.83 (range $78.00–$103.00), implying upside of +22.0%.

Synchrony Financial (SYF) is a large-cap in Financial Services with 24.76B in market cap, currently sitting on a HOLD signal at 45/100. Price: $73.62 (in the lower half of its 52-week range). Sentiment: neutral at 52/100. The current P/E ratio stands at 6.9. The 52-week range of $63.08–$88.77 is the structural anchor, and the current neutral phase is the market's way of asking for more information before committing to a direction.

In neutral phases, large-cap Financial Services names like SYF are often where sector rotation debates play out quietly — at 24.76B 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 (52/100) at $73.62 (in the lower half of its 52-week range) describe a stock that is being considered rather than avoided.