SYF

Wall Street analysts forecast that Synchrony (SYF) will report quarterly earnings of $2.09 per share in its upcoming release, pointing to a year-over-year decline of 16.4%. It is anticipated that revenues will amount to $4.67 billion, exhibiting an increase of 3.4% compared to the year-ago quarter. Over the last 30 days, there has been a downward revision of 1.1% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of this timeframe. Prior to a company's earnings announcement, it is crucial to consider revisions to earnings estimates. This serves as a significant indicator for predicting potential investor actions regarding the stock. Empirical research has consistently demonstrated a robust correlation between trends in earnings estimate revision and the short-term price performance of a stock. While investors usually depend on consensus earnings and revenue estimates to assess the business performance for the quarter, delving into analysts' forecasts for certain key metrics often provides a more comprehensive understanding. Bearing this in mind, let's now explore the average estimates of specific Synchrony metrics that are commonly monitored and projected by Wall Street analysts. It is projected by analysts that the 'Efficiency Ratio' will reach 35.4%. The estimate compares to the year-ago value of 34.1%. The combined assessment of analysts suggests that 'Net interest margin' will likely reach 15.3%. Compared to the present estimate, the company reported 14.8% in the same quarter last year. The consensus among analysts is that 'Total Average Loan receivables, including held for sale' will reach $101.05 billion. Compared to the present estimate, the company reported $99.24 billion in the same quarter last year. Analysts predict that the 'Net charge-offs as of average loan receivables' will reach 5.6%. Compared to the present estimate, the company reported 5.7% in the same quarter last year. Analysts forecast 'Total Period-end loan receivables' to reach $102.11 billion. Compared to the present estimate, the company reported $99.78 billion in the same quarter last year. The collective assessment of analysts points to an estimated 'Total interest-earning assets - Average Balance' of $122.69 billion. Compared to the present estimat...

Consumer financial services company, Synchrony Financial SYF, is set to report second-quarter 2026 results on July 21, before the opening bell. The Zacks Consensus Estimate for the to-be-reported quarter’s earnings is currently pegged at $2.02 per shareon revenues of $4.67 billion. The second-quarter earnings estimate has witnessed no upward revision and three downward movements over the past 30 days. The bottom-line projection indicates a year-over-year decrease of 19.2%. The Zacks Consensus Estimate for quarterly revenues implies year-over-year growth of 3.4%. Image Source: Zacks Investment Research For full-year 2026, the Zacks Consensus Estimate for Synchrony’s revenues is pegged at $19.12 billion, implying an increase of 3.6% year over year. However, the consensus mark for the current year EPS is pegged at $9.34, signaling a decline of around 0.9% on a year-over-year basis. SYF’s earnings beat the consensus estimate in three of the last four quarters and met once, with the average surprise being 20.7%. Synchrony Financial price-eps-surprise | Synchrony Financial Quote Our proven model predicts a likely earnings beat for the company this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. That is precisely the case here. Synchronyhas an Earnings ESP of +2.07% and carries a Zacks Rank #3 at present. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter. Synchrony is expected to have seen advantages in the second quarter from increased net interest margin and higher purchase volumes. Our model predicts interest and fees on loans of $5.47 billion for the quarter, up 2.6% from a year ago. Higher figures from Health & Wellness and Digital are likely to have anchored the results. The Zacks Consensus Estimate for net interest margin is pegged at 15.31%, up from 14.78% achieved a year ago, increasing its profitability. The consensus mark for total purchase volumes indicates 5.1% year-over-year growth. The Zacks Consensus Estimate indicates that the total average active accounts are likely to increase 1.2% in the second quarter. The consensus mark for the net charge-offs ratio is pegged at 5.61, down from 5.70 a year ago. The above-mentioned factors are likely to have benefited the company in the second quarter, positioni...

Moody's (MCO) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 22. On the other hand, if they miss, the stock may move lower. While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise. This credit ratings agency is expected to post quarterly earnings of $4.23 per share in its upcoming report, which represents a year-over-year change of +18.8%. Revenues are expected to be $2.09 billion, up 10% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 0.08% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is...

The market expects Synchrony (SYF) to deliver a year-over-year decline in earnings on higher revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 21. On the other hand, if they miss, the stock may move lower. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise. This consumer credit company is expected to post quarterly earnings of $1.99 per share in its upcoming report, which represents a year-over-year change of -20.4%. Revenues are expected to be $4.68 billion, up 3.5% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 0.33% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction). The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is signif...

Synchrony Financial (SYF) is a leading consumer financial services company that provides a broad range of credit and banking products to individuals and businesses across the United States. Headquartered in Stamford, the company partners with many of the nation's leading retailers, healthcare providers, and other businesses to offer financing solutions that support consumer spending and business growth. Through its digital banking platform and consumer lending offerings, Synchrony serves millions of customers while maintaining a strong presence in retail commerce and financial services. Currently valued at approximately $25.68 billion, Synchrony is scheduled to report its fiscal 2026 second-quarter results before the market opens on Tuesday, July 21. Ahead of the release, Wall Street expects the consumer financial services company to post earnings of $2.00 per share, marking a 20% decline from the year-ago quarter. Even so, Synchrony has demonstrated consistent execution, having met or exceeded analysts' earnings estimates in each of the last four quarters. Dear SpaceX Stock Fans, Mark Your Calendars for July 7 SanDisk Slumps 10% But BofA Stays Bullish. Here Is How to Play SanDisk Stock Here. 1 High-Probability Iron Condor Trade on Broadcom Stock to Make Now with 29% Return Potential Our exclusive Barchart Brief newsletter is your FREE midday guide to what's moving stocks, sectors, and investor sentiment - delivered right when you need the info most. Subscribe today! Looking beyond the upcoming report, analysts forecast full-year fiscal 2026 EPS of $9.34, representing a slight decline from the previous year. Earnings are then expected to return to growth in fiscal 2027, with EPS projected to climb 11.9% year over year to $10.45 per share. Synchrony's shares have delivered respectable gains over the past year, though they have trailed the broader market's rally. The stock has advanced 9.9% over the past 12 months, falling short of the S&P 500 Index's ($SPX) 20.2% return. However, it has comfortably outperformed its sector benchmark, with the State Street Financial Select Sector SPDR ETF (XLF) gaining just 5.7% over the same period, highlighting the company's relative strength within the financial sector. Synchrony delivered a strong start to fiscal 2026 when it reported first-quarter results on April 21, reflecting resilient earnings growth and improving cred...

STAMFORD, Conn., June 23, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its second quarter 2026 results on Tuesday, July 21, 2026. The earnings release and presentation materials are scheduled to be released and posted to the Investor Relations section of the Company's website, www.investors.synchrony.com, at approximately 6:00 a.m. Eastern Time. A conference call to discuss Synchrony's results will be held at 8:00 a.m. Eastern Time on that day; the live audio webcast and replay can be accessed through the same website under Events and Presentations. About Synchrony Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com. Contacts Media Relations: Ashley Tufts (203) 216-6277 [email protected] Investor Relations: Kathryn Miller (203) 585-6291 [email protected] View original content to download multimedia:https://www.prnewswire.com/news-releases/synchrony-to-announce-second-quarter-2026-financial-results-on-july-21-2026-302800606.html

Over the past six months, Synchrony Financial’s shares (currently trading at $74.51) have posted a disappointing 11% loss, well below the S&P 500’s 10.9% gain. This was partly due to its softer quarterly results and may have investors wondering how to approach the situation. Following the pullback, is this a buying opportunity for SYF? Find out in our full research report, it’s free. Powering over 73 million active accounts and partnerships with major brands like Amazon, PayPal, and Lowe's, Synchrony Financial (NYSE:SYF) provides credit cards, installment loans, and banking products through partnerships with retailers, healthcare providers, and digital platforms. We track the long-term change in earnings per share (EPS) because it highlights whether a company’s growth is profitable. Synchrony Financial’s EPS grew at 21.8% compounded annual growth rate over the last five years, higher than its 7% annualized revenue growth. This tells us the company became more profitable on a per-share basis as it expanded. We consider tangible book value per share (TBVPS) an important metric for financial firms. TBVPS represents the real, liquid net worth per share of a company, excluding intangible assets that have debatable value upon liquidation. Synchrony Financial’s TBVPS increased by 15.9% annually over the last five years, and although its annualized growth has recently decelerated to 11.3% over the last two years (from $30.36 to $37.59 per share), we still think its performance was solid. Return on equity, or ROE, quantifies financial firm profitability relative to shareholder equity — an essential capital source for these institutions. Over extended periods, superior ROE performance drives faster shareholder wealth compounding through reinvestment, share repurchases, and dividend growth. Over the last five years, Synchrony Financial has averaged an ROE of 22.2%, exceptional for a company operating in a sector where the average shakes out around 10% and those putting up 25%+ are greatly admired. This shows Synchrony Financial has a strong competitive moat. These are just a few reasons Synchrony Financial is a high-quality business worth owning. With the recent decline, the stock trades at 7.8× forward P/E (or $74.51 per share). Is now the right time to buy? See for yourself in our comprehensive research report, it’s free. WHILE YOU’RE HERE: Top 9 Market-Beating Stock...

It has been about a month since the last earnings report for Synchrony (SYF). Shares have lost about 8.4% in that time frame, underperforming the S&P 500. Will the recent negative trend continue leading up to its next earnings release, or is Synchrony due for a breakout? Well, first let's take a quick look at its latest earnings report in order to get a better handle on the recent catalysts for Synchrony Financial before we dive into how investors and analysts have reacted as of late. Synchrony Q1 Earnings Match Estimates on Purchase Volume Growth Synchrony reported first-quarter 2026 adjusted earnings per share (EPS) of $2.27, in line with the Zacks Consensus Estimate. The bottom line increased 20.1% year over year. Net interest income reached $4.64 billion, up 3.8% from the prior-year period but missed the consensus estimate by 0.5%. The quarterly earnings were supported by a higher net interest margin and strong purchase volume growth. A lower provision for credit losses also contributed to the performance. These positives were partly offset by lower deposits, a decline in average active accounts and higher expenses. Retailer share arrangements of Synchrony advanced 19.6% year over year to $1.1 billion in the first quarter. Total loan receivables of $100.1 billion, up 0.5% year over year, beat the Zacks Consensus Estimate of $99.3 billion as well as our estimate of $98.9 billion. Total deposits dipped 0.6% year over year to $82.9 billion and fell short of our estimate of $83.2 billion. The provision for credit losses was $1.3 billion, which declined 10.5% year over year on the back of lower net charge-offs and reserve release. The metric came in slightly lower than our estimate of $1.4 billion. Synchrony’s purchase volume rose 5.6% year over year to $43 billion on higher spend per account and strong customer response. The figure beat the consensus estimate of $42 billion and our estimate of $41.4 billion. Interest and fees on loans totaled $5.4 billion, rising 1.9% year over year and in line with our estimate. The increase was driven by higher loan receivables yield, primarily reflecting the impact of PPPCs, and was partially offset by reduced benchmark rates. Net interest margin improved 76 basis points year over year to 15.5% in the first quarter but came in slightly below the Zacks Consensus Estimate of 15.6%. Average active accounts of 68.8 million sl...

Synchrony Financial’s first quarter was marked by flat revenue and a slight miss versus Wall Street’s sales expectations, prompting a negative market response. Management pointed to record purchase volume and strong engagement across its diversified consumer credit platforms, with CEO Brian Doubles highlighting “continued sequential improvement in average active account trends” as well as higher spend per account. However, rising payment rates and selective consumer spending, especially in Home and Auto categories, weighed on loan growth and contributed to muted top-line performance. The company’s higher credit quality mix and cautious approach to underwriting were also emphasized as factors supporting portfolio stability. Is now the time to buy SYF? Find out in our full research report (it’s free). Revenue: $3.70 billion vs analyst estimates of $3.79 billion (flat year on year, 2.4% miss) Adjusted EPS: $2.27 vs analyst estimates of $2.16 (5.1% beat) Adjusted EBITDA: $1.17 billion (31.7% margin, 10.2% year-on-year growth) Operating Margin: 30.7%, up from 27.6% in the same quarter last year Market Capitalization: $25.86 billion While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention. Terry Ma (Barclays) asked about the sustainability of higher payment rates and their impact on long-term loan growth. CFO Brian Wenzel explained that recent shifts are largely due to portfolio mix and new account seasoning, not a permanent reset, and expects normalization over time. Ryan Nash (Goldman Sachs) questioned the EPS guidance and buyback pacing. Wenzel stated that better-than-expected credit performance could drive upside but cited macro uncertainty as a key variable, while noting that buyback cadence will depend on capital plans and economic conditions. Darrin Peller (Wolfe Research) inquired about elevated expense growth and the impact of AI investments. Wenzel pointed to upfront technology and operational costs, but expects efficiency gains as programs scale; Doubles emphasized AI’s role in improving productivity and partner integration. Mihir Bhatia (UBS) probed on active account trends and rising loyalty costs. Wenzel noted that ac...

Bread Financial Holdings, Inc. BFH reported first-quarter 2026 operating income of $4.18 per share, outperforming the Zacks Consensus Estimate by 39.3%. The bottom line rose 49% year over year. Revenues increased 5% from the prior-year level to $1 billion, exceeding the consensus estimate by 1.1%. The solid performance reflected higher revenues, driven by pricing actions and increased credit sales, along with an improved net interest margin. However, gains were partially offset by elevated operating expenses and higher compensation costs. Credit sales of $6.5 billion increased 7% year over year, driven by new partner growth and increased general-purpose spending. Average loan increased 1% to $18.3 billion, and end-of-period loans rose 2% to $18.1 billion, supported by strong credit sales and partner expansion. Bread Financial Holdings, Inc. price-consensus-eps-surprise-chart | Bread Financial Holdings, Inc. Quote Total interest income increased 2% to $1.2 billion, missing the Zacks Consensus Estimate by 0.4%, and our model estimate by 2.1%. The net interest margin improved 120 basis points to 19.3%, whereas the Zacks Consensus Estimate was pegged at 18.2%. Total non-interest expenses decreased 1% to $472 million, aided by cost discipline and a data processing credit, partly offset by higher compensation costs. The delinquency rate of 5.6% improved from 5.9% year over year. The net loss rate of 7.3% improved 83 basis points year over year. Pre-tax pre-provision earnings increased 11% year over year to $546 million. Adjusted PPNR, a non-GAAP financial measure that excludes gains on portfolio sales and the impact of debt repurchases, increased 11% year over year to $546 million. Bread Financial exited the first quarter 2026 with cash and cash equivalents of $3.6 billion, down 1% from the 2025-end level. Tangible book value was $61.57 per share as of March 31, 2026, up 26% year over year. Return on average equity was 21.2%, which increased 350 basis points year over year. BFH repurchased $150 million, or 2 million shares, of common stock during the first quarter of 2026. It also increased its share repurchase authorization by $600 million, bringing the total capacity to $690 million at the quarter-end Management expects average loan growth to increase year over year at a low-single-digit rate. It expects total revenues to grow at a low-single-digit pace, broadly...

In April 2026, Synchrony Financial reported higher first-quarter net interest income of US$4,635 million and net income of US$805 million, while its board approved a quarterly dividend of US$0.30 per share, declared preferred dividends, authorized a new US$6.50 billion share repurchase program, and outlined plans to lift the common dividend to US$0.34 from the third quarter of 2026. Alongside these shareholder return moves, Synchrony expanded its retail partner ecosystem by launching new co-branded and private-label credit card programs with Chico’s FAS brands and RH, integrating its PRISM credit decisioning platform to support more personalized lending and loyalty-driven customer engagement. We’ll now examine how Synchrony’s stronger earnings and expanded buyback authorization may influence its existing investment narrative and risk profile. Rare earth metals are the new gold rush. Find out which 32 stocks are leading the charge. To own Synchrony, you generally need to believe its partner-centric card model and digital underwriting can keep generating solid earnings while managing credit risk and regulatory pressure. The latest results and capital return moves support that view in the near term, but the key catalyst is still whether new and renewed partnerships translate into higher receivables, while the biggest risk remains that cautious consumer spending keeps purchase volumes and loan growth subdued. The April news does not remove that tension. The new US$6.50 billion buyback authorization is especially relevant here, because it combines with mid single digit dividend increases to concentrate more of Synchrony’s earnings power in each remaining share. That capital return profile may appeal to investors who already see value in the shares, but it also raises the stakes if earnings come under pressure from weaker purchase volumes or tighter regulation, since there is less room for error once so much capital has gone back out the door. Yet while these shareholder returns look appealing, investors should be aware that Synchrony’s high bad loan ratio and partnership concentration mean... Read the full narrative on Synchrony Financial (it's free!) Synchrony Financial's narrative projects $16.5 billion revenue and $3.3 billion earnings by 2028. This requires 21.7% yearly revenue growth and roughly a $0.1 billion earnings increase from $3.2 billion today. Uncov...

Synchrony Financial SYF reported first-quarter 2026 adjusted earnings per share (EPS) of $2.27, in line with the Zacks Consensus Estimate. The bottom line increased 20.1% year over year. Net interest income reached $4.64 billion, up 3.8% from the prior-year period but missed the consensus estimate by 0.5%. The quarterly earnings were supported by a higher net interest margin and strong purchase volume growth. A lower provision for credit losses also contributed to the performance. These positives were partly offset by lower deposits, a decline in average active accounts and higher expenses. Synchrony Financial price-consensus-eps-surprise-chart | Synchrony Financial Quote Retailer share arrangements of Synchrony advanced 19.6% year over year to $1.1 billion in the first quarter. Total loan receivables of $100.1 billion, up 0.5% year over year, beat the Zacks Consensus Estimate of $99.3 billion as well as our estimate of $98.9 billion. Total deposits dipped 0.6% year over year to $82.9 billion and fell short of our estimate of $83.2 billion. The provision for credit losses was $1.3 billion, which declined 10.5% year over year on the back of lower net charge-offs and reserve release. The metric came in slightly lower than our estimate of $1.4 billion. Synchrony’s purchase volume rose 5.6% year over year to $43 billion on higher spend per account and strong customer response. The figure beat the consensus estimate of $42 billion and our estimate of $41.4 billion. Interest and fees on loans totaled $5.4 billion, rising 1.9% year over year and in line with our estimate. The increase was driven by higher loan receivables yield, primarily reflecting the impact of PPPCs, and was partially offset by reduced benchmark rates. Net interest margin improved 76 basis points year over year to 15.5% in the first quarter but came in slightly below the Zacks Consensus Estimate of 15.6%. Average active accounts of 68.8 million slipped 0.7% year over year and missed the consensus mark and our estimate of 69.4 million. Total other expenses of SYF increased 5.9% year over year to $1.3 billion, lower than our estimate of $1.4 billion. The efficiency ratio of 35.6% deteriorated 220 bps year over year and came above the consensus mark of 35%. Home & Auto period-end loan receivables decreased 3.7% year over year in the first quarter. Purchase volume remained flat, with higher spend pe...