Synchrony Financial (SYF) Projected to Post Quarterly Earnings on Tuesday

Synchrony Financial (NYSE:SYF) is anticipated to post its Q4 2025 results before the market opens on Tuesday, January 27th. Analysts expect Synchrony Financial to post earnings of $1.95 per share and revenue of $3.8371 billion for the quarter. Individuals can check the company’s upcoming Q4 2025 earning summary page for the latest details on the call scheduled for Tuesday, January 27, 2026 at 8:00 AM ET.

Synchrony Financial Price Performance

Synchrony Financial stock opened at $76.56 on Monday. The company has a market capitalization of $27.58 billion, a price-to-earnings ratio of 8.36, a PEG ratio of 0.53 and a beta of 1.43. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 0.91. Synchrony Financial has a 12 month low of $40.54 and a 12 month high of $88.77. The stock’s 50 day moving average is $80.79 and its 200-day moving average is $75.60.

Synchrony Financial announced that its board has initiated a stock buyback plan on Wednesday, October 15th that permits the company to repurchase $1.00 billion in shares. This repurchase authorization permits the financial services provider to purchase up to 3.7% of its stock through open market purchases. Stock repurchase plans are often a sign that the company’s board of directors believes its stock is undervalued.

Insider Transactions at Synchrony Financial

In other Synchrony Financial news, insider Curtis Howse sold 12,086 shares of the business’s stock in a transaction that occurred on Monday, November 3rd. The shares were sold at an average price of $74.02, for a total transaction of $894,605.72. Following the sale, the insider directly owned 108,271 shares of the company’s stock, valued at $8,014,219.42. The trade was a 10.04% decrease in their position. The transaction was disclosed in a legal filing with the SEC, which can be accessed through this link. Also, insider Darrell Owens sold 2,989 shares of the company’s stock in a transaction that occurred on Monday, November 3rd. The shares were sold at an average price of $74.02, for a total transaction of $221,245.78. Following the completion of the transaction, the insider owned 16,096 shares of the company’s stock, valued at approximately $1,191,425.92. This trade represents a 15.66% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. In the last three months, insiders have sold 55,075 shares of company stock valued at $4,036,892. 0.33% of the stock is currently owned by company insiders.

Institutional Trading of Synchrony Financial

Several institutional investors have recently modified their holdings of the business. FWL Investment Management LLC bought a new position in Synchrony Financial during the 3rd quarter worth $26,000. Palisade Asset Management LLC bought a new stake in shares of Synchrony Financial in the 3rd quarter valued at about $29,000. Towarzystwo Funduszy Inwestycyjnych PZU SA increased its stake in shares of Synchrony Financial by 75.8% in the third quarter. Towarzystwo Funduszy Inwestycyjnych PZU SA now owns 580 shares of the financial services provider’s stock valued at $41,000 after buying an additional 250 shares during the period. Geneos Wealth Management Inc. raised its position in shares of Synchrony Financial by 337.0% during the first quarter. Geneos Wealth Management Inc. now owns 590 shares of the financial services provider’s stock worth $31,000 after acquiring an additional 455 shares during the last quarter. Finally, Larson Financial Group LLC raised its position in shares of Synchrony Financial by 22.7% during the third quarter. Larson Financial Group LLC now owns 904 shares of the financial services provider’s stock worth $64,000 after acquiring an additional 167 shares during the last quarter. Institutional investors own 96.48% of the company’s stock.

Wall Street Analyst Weigh In

Several research firms have weighed in on SYF. Weiss Ratings reiterated a “buy (b-)” rating on shares of Synchrony Financial in a research report on Wednesday. Hsbc Global Res upgraded shares of Synchrony Financial from a “hold” rating to a “strong-buy” rating in a research note on Thursday, October 9th. Wolfe Research initiated coverage on shares of Synchrony Financial in a research report on Monday, December 8th. They set an “outperform” rating and a $92.00 price target on the stock. Wells Fargo & Company lifted their price objective on shares of Synchrony Financial from $95.00 to $100.00 and gave the stock an “overweight” rating in a research note on Monday, January 5th. Finally, BTIG Research reissued a “buy” rating and issued a $100.00 price objective on shares of Synchrony Financial in a report on Thursday, October 16th. One research analyst has rated the stock with a Strong Buy rating, twelve have assigned a Buy rating and ten have assigned a Hold rating to the company’s stock. According to data from MarketBeat, the company currently has an average rating of “Moderate Buy” and a consensus target price of $86.47.

About Synchrony Financial

Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.

Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences.