SYF
Synchrony Financial
NYSE: SYF · FINANCIAL SERVICES · CREDIT SERVICES
$75.12
-1.48% today
Updated 2026-04-29
Market cap
$25.31B
P/E ratio
7.78
P/S ratio
2.56x
EPS (TTM)
$9.66
Dividend yield
1.57%
52W range
$52 – $88
Volume
4.0M
Synchrony Financial (SYF) Earnings
Quarterly earnings history, analyst estimates, and stock price reaction.
EPS beat streak
7 of 8
Last 8 quarters
Avg EPS surprise
+20.8%
Last 4 quarters
Revenue YoY growth
+16.6%
Most recent quarter
EPS YoY growth
+20.1%
Most recent quarter
Earnings surprise history (last 12 quarters)
Beat estimate Missed estimate
Quarterly EPS and revenue trend
Quarterly revenue EPS (diluted)
How the stock reacts to earnings
Avg 1-day reaction
-2.9%
Last 3 reports
Positive reaction rate
33%
1 of 3 quarters
Largest single-day move
-5.3%
2026-01-27
| Report date | EPS actual | Surprise | Close before | Close after | 1-day reaction |
|---|---|---|---|---|---|
| 2026-04-21 | $2.27 | +5.1% | $78.58 | $78.69 | +0.1% |
| 2026-01-27 | $2.18 | +7.9% | $77.51 | $73.42 | -5.3% |
| 2025-10-15 | $2.86 | +28.8% | $72.84 | $70.25 | -3.6% |
Quarterly earnings history
| Fiscal quarter ending | EPS estimate | EPS actual | Surprise | Revenue | YoY revenue |
|---|---|---|---|---|---|
| 2026-03-31 | $2.16 | $2.27 | +5.1% | $5.60B | +16.6% |
| 2025-12-31 | $2.02 | $2.18 | +7.9% | $4.77B | -3.1% |
| 2025-09-30 | $2.22 | $2.86 | +28.8% | $4.83B | -3.1% |
| 2025-06-30 | $1.77 | $2.50 | +41.2% | $4.71B | -3.6% |
| 2025-03-31 | $1.72 | $1.89 | +9.9% | $4.80B | -1.8% |
| 2024-12-31 | $1.92 | $1.91 | -0.5% | $4.92B | +3.7% |
| 2024-09-30 | $1.82 | $1.94 | +6.6% | $4.99B | +11.7% |
| 2024-06-30 | $1.37 | $1.55 | +13.1% | $4.89B | — |
| 2024-03-31 | $1.37 | $1.18 | -13.9% | $4.89B | — |
| 2023-12-31 | $0.95 | $1.18 | +24.2% | $4.74B | — |
| 2023-09-30 | $1.44 | $1.48 | +2.8% | $4.47B | — |
Analyst EPS and revenue estimates for upcoming years
| Period | EPS estimate | Revenue estimate | Revenue growth | Analysts | Confidence |
|---|---|---|---|---|---|
| 2026 (E) | $9.33 | $18.2B | +86.8% | 19 | medium |
| 2027 (E) | $10.43 | $19.1B | +5.0% | 19 | medium |
| 2028 (E) | $11.25 | $20.2B | +5.6% | 19 | low |
| 2029 (E) | $12.15 | $21.4B | +6.2% | 19 | low |
| 2030 (E) | $13.10 | $22.9B | +6.5% | 19 | low |
Frequently asked questions
Has Synchrony Financial beaten earnings estimates?
Synchrony Financial has beaten Wall Street EPS estimates in 7 of its last 8 quarterly reports, with an average EPS surprise of +20.8% over the last 4 quarters.
How does SYF stock react to earnings?
SYF stock has moved an average of -2.9% in the trading day following earnings over its last 3 reports, with positive reactions in 33% of those quarters.
What is Synchrony Financial's revenue growth rate?
Synchrony Financial reported year-over-year revenue growth of +16.6% in its most recent quarter, with EPS growing +20.1% year-over-year.
What is the expected EPS for SYF in 2026?
Analysts expect Synchrony Financial to report EPS of $9.33 for fiscal year 2026, on revenue of $18.2B, based on estimates from 19 analysts.