FY2028 Earnings Estimate for SYF Issued By Zacks Research

Synchrony Financial (NYSE:SYF) – Equities research analysts at Zacks Research issued their FY2028 earnings estimates for Synchrony Financial in a research note issued on Tuesday, February 10th. Zacks Research analyst Team forecasts that the financial services provider will post earnings per share of $11.11 for the year. The consensus estimate for Synchrony Financial’s current full-year earnings is $7.67 per share.

Several other research firms also recently commented on SYF. BTIG Research decreased their price objective on Synchrony Financial from $100.00 to $96.00 and set a “buy” rating on the stock in a report on Tuesday, January 27th. Truist Financial decreased their price target on Synchrony Financial from $92.00 to $84.00 and set a “hold” rating on the stock in a research note on Thursday, January 29th. Compass Point raised Synchrony Financial from a “neutral” rating to a “buy” rating and set a $96.00 price objective for the company in a research note on Wednesday, January 28th. Keefe, Bruyette & Woods raised their target price on shares of Synchrony Financial from $95.00 to $98.00 and gave the stock an “outperform” rating in a report on Friday, January 2nd. Finally, Wall Street Zen lowered shares of Synchrony Financial from a “buy” rating to a “hold” rating in a report on Saturday, January 31st. One research analyst has rated the stock with a Strong Buy rating, twelve have given a Buy rating and eight have issued a Hold rating to the company. Based on data from MarketBeat, the company has a consensus rating of “Moderate Buy” and an average price target of $87.05.

Synchrony Financial Stock Performance

Synchrony Financial stock opened at $72.92 on Thursday. The firm has a fifty day simple moving average of $80.44 and a two-hundred day simple moving average of $75.87. The company has a quick ratio of 1.24, a current ratio of 1.24 and a debt-to-equity ratio of 0.98. Synchrony Financial has a twelve month low of $40.54 and a twelve month high of $88.77. The company has a market capitalization of $25.35 billion, a PE ratio of 7.85, a P/E/G ratio of 0.51 and a beta of 1.43.

Synchrony Financial (NYSE:SYF) last announced its quarterly earnings data on Tuesday, January 27th. The financial services provider reported $2.18 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $2.02 by $0.16. Synchrony Financial had a net margin of 15.72% and a return on equity of 23.07%. The company had revenue of $3.79 billion during the quarter, compared to analysts’ expectations of $3.84 billion. During the same quarter in the prior year, the company earned $1.91 EPS. The firm’s revenue was down .2% on a year-over-year basis. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS.

Synchrony Financial declared that its Board of Directors has initiated a share repurchase plan on Wednesday, October 15th that allows the company to buyback $1.00 billion in shares. This buyback authorization allows the financial services provider to repurchase up to 3.7% of its shares through open market purchases. Shares buyback plans are generally an indication that the company’s board of directors believes its stock is undervalued.

Synchrony Financial Dividend Announcement

The business also recently declared a quarterly dividend, which will be paid on Tuesday, February 17th. Investors of record on Friday, February 6th will be issued a $0.30 dividend. The ex-dividend date is Friday, February 6th. This represents a $1.20 annualized dividend and a yield of 1.6%. Synchrony Financial’s payout ratio is 12.92%.

Insider Buying and Selling at Synchrony Financial

In other news, Director Arthur W. Coviello, Jr. sold 4,000 shares of Synchrony Financial stock in a transaction dated Monday, February 2nd. The shares were sold at an average price of $72.32, for a total transaction of $289,280.00. Following the sale, the director owned 32,444 shares of the company’s stock, valued at approximately $2,346,350.08. The trade was a 10.98% decrease in their position. The sale was disclosed in a document filed with the SEC, which is accessible through this hyperlink. Also, insider Jonathan S. Mothner sold 32,000 shares of the stock in a transaction dated Monday, November 17th. The stock was sold at an average price of $72.80, for a total transaction of $2,329,600.00. Following the completion of the transaction, the insider directly owned 127,100 shares of the company’s stock, valued at approximately $9,252,880. The trade was a 20.11% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. In the last ninety days, insiders have sold 88,556 shares of company stock valued at $6,419,730. 0.32% of the stock is currently owned by company insiders.

Institutional Inflows and Outflows

A number of hedge funds and other institutional investors have recently made changes to their positions in the company. Cullen Frost Bankers Inc. lifted its stake in shares of Synchrony Financial by 7.3% in the 4th quarter. Cullen Frost Bankers Inc. now owns 1,995 shares of the financial services provider’s stock valued at $166,000 after purchasing an additional 135 shares during the period. Colonial Trust Co SC lifted its position in Synchrony Financial by 40.2% during the third quarter. Colonial Trust Co SC now owns 474 shares of the financial services provider’s stock valued at $34,000 after buying an additional 136 shares during the period. CoreCap Advisors LLC boosted its holdings in shares of Synchrony Financial by 34.4% during the 4th quarter. CoreCap Advisors LLC now owns 543 shares of the financial services provider’s stock valued at $45,000 after buying an additional 139 shares in the last quarter. Parkside Financial Bank & Trust boosted its holdings in shares of Synchrony Financial by 15.1% during the 2nd quarter. Parkside Financial Bank & Trust now owns 1,106 shares of the financial services provider’s stock valued at $74,000 after buying an additional 145 shares in the last quarter. Finally, United Community Bank grew its position in shares of Synchrony Financial by 3.4% in the 3rd quarter. United Community Bank now owns 4,469 shares of the financial services provider’s stock worth $318,000 after buying an additional 145 shares during the period. Hedge funds and other institutional investors own 96.48% of the company’s stock.

Key Synchrony Financial News

Here are the key news stories impacting Synchrony Financial this week:

• Positive Sentiment: Zacks Research published a bullish long‑term outlook, issuing a FY2028 EPS estimate of $11.11 (well above current consensus of $7.67), suggesting stronger longer‑term earnings potential that could support the stock.
• Positive Sentiment: Zacks raised its FY2026 estimate to $9.29 (from $8.94) and boosted several near‑term quarter forecasts (Q1 2026 and Q2 2026 among others), signaling near‑term earnings upside versus prior views — a constructive data point for investors focused on 2026 performance.
• Positive Sentiment: Short interest fell sharply in January (down ~27% vs mid‑January), leaving only ~3.7% of shares short and a short‑interest ratio of ~2 days — less short selling reduces a potential source of downward pressure and can support the stock.
• Neutral Sentiment: Synchrony released its monthly credit‑performance statistics; these routine data points provide updates on delinquencies and losses (relevant to credit underwriting and reserve expectations) but did not include a headline surprise in the summary feed. Synchrony Financial Reports Monthly Credit Performance Statistics
• Neutral Sentiment: Management presented at the UBS Financial Services Conference (transcript available). Conference remarks can influence sentiment if management provides new guidance or color; transcript availability lets investors check for incremental detail. Synchrony Financial Presents at UBS Financial Services Conference 2026 Transcript
• Neutral Sentiment: Analyst/industry coverage pieces discussing how Synchrony competes among large S&P 500 companies provide context on market positioning but are background rather than immediate catalysts. How Synchrony Financial Competes Among Top S&P 500 Companies
• Negative Sentiment: Despite several raises, Zacks also trimmed numerous near‑term and medium‑term quarter estimates (Q1 2027, Q3 2026, Q3/Q4 2027 and trimmed FY2027 from $10.16 to $10.02). Those downward revisions to some quarterly/annual numbers increase near‑term earnings uncertainty and likely contributed to downward pressure on the stock.

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.