Synchrony FinancialNYSE: SYF
Financials · Consumer Finance
$75.83
-0.49%
Vol: 3.1M
Research Digest
Friday, May 1, 2026
Synchrony Q1 earnings beat; $6.5B buyback authorized; dividend increased to $0.34 from Q3
Synchrony Financial reported strong Q1 2026 earnings on April 21 with net income of $805M and higher net interest income of $4,635M. Board approved $6.5B share buyback program and dividend increase from $0.30 to $0.34 per share starting Q3 2026. New partnerships announced with Chico's FAS brands, RH, and expanded Lowe's partnership. Baird raised PT to $86 from $83; BTIG downgraded to Neutral from Buy.
Previous Market Intelligence
13 daysApr 30Synchrony reports Q1 2026 EPS of $2.27 beating $2.22 estimate; approves $6.5B buyback and raises dividend to $0.34 per share from Q3.Positive▶
Synchrony Financial released Q1 2026 results on April 21 with EPS of $2.27, beating estimates of $2.22 by $0.05, and revenue of $4,768M exceeding estimates of $4,389M. Net interest income rose 4% to $4.6B, net income increased to $805M from $757M prior year. Purchase volume reached record $43B for the first quarter, up 6% YoY. The Board approved a new $6.5B share repurchase program commencing Q2 2026 with no expiration date and increased dividend to $0.34/share from Q3 (from $0.30). Credit improved with 10.5% decrease in loan loss provisions to $1.3B and lowered charge-off guidance to less than 5.5%. New partnerships launched with Chico's FAS brands and RH.
Apr 29Synchrony Financial Q1 2026 adjusted EPS of $2.27 beats estimates; board authorizes new $6.5B buyback program.Positive▶
Synchrony Financial delivered Q1 2026 adjusted EPS of $2.27, beating analyst expectations, with net interest income of $4.635 billion. The board approved a new $6.50 billion share repurchase authorization and increased the quarterly dividend to $0.34 per share from $0.30, effective in the third quarter. The company reported flat revenue of $3.70 billion but benefited from strong net income of $805 million. Recent partnerships include new co-branded credit cards with Chico's FAS and RH. Analyst Baird raised its price target to $86 from $83, while J.P. Morgan maintains a Hold rating.
Apr 16Synchrony Financial Q1 earnings expected April 21 with 19.6% EPS growth; new RH credit card launched.Neutral▶
Synchrony Financial announced RH Credit Card launch on April 14, providing financing options for RH luxury home furnishings customers at RH Galleries and Outlets nationwide and online. The company is preparing Q1 2026 earnings report on April 21 with expectations of 19.6% year-over-year EPS growth. Recent analyst activity shows multiple downgrades: JPMorgan lowered price target to $73 from $84, Wells Fargo cut to $95 from $100, UBS to $77 from $82, and Evercore ISI to $80 from $88. Stock trades at $76.45 with analyst consensus Buy rating and 12-month target of $84.57, representing 5.92% upside. Synchrony expanded pet insurance through Figo partnership.
Apr 15Synchrony Financial launches RH Credit Card partnership while gearing up for Q1 earnings April 21.Neutral▶
Synchrony Financial announced the RH Credit Card launch April 14. Q1 2026 earnings release April 21 with analysts expecting 19.6% YoY EPS growth. Stock at $68.42. JPMorgan lowered PT to $73 from $84 on April 9. Company operates as consumer financial services provider with credit products and installment loans.
Apr 14Synchrony Financial faces multiple analyst downgrades; Q1 2026 earnings due April 21 amid broader credit concerns.Negative▶
JPMorgan lowered price target to $73 from $84 (April 9), Wells Fargo to $95 from $100, and Barclays to $82 from $93. Synchrony announced partnership with Figo Pet Insurance for CareCredit integration. Q1 2026 earnings due April 21. Stock trades at $71-72 with credit pressure driving analyst caution.
Apr 13Synchrony Financial Q1 2026 earnings April 21; expanding pet insurance via Figo partnership; cautious analyst sentiment.Neutral▶
Synchrony Financial scheduled Q1 2026 results April 21. Expanding pet insurance market through Figo Pet Insurance partnership. Stock down 2.16% recently but +24.93% YoY. Truist lowered PT to $71 from $84; BofA lowered PT to $90 from $96 but maintains Buy. Buy consensus from 21 analysts with PT $84.57.
Apr 10Synchrony Partners with Figo Pet Insurance; Q1 Earnings April 21Neutral▶
Partnership with Figo Pet Insurance linking policies with CareCredit cards. Q1 2026 results on April 21.
Apr 9Synchrony Financial Named Best Company to Work For, Q1 2026 Earnings Scheduled for April 21Positive▶
Synchrony Financial announced Q1 2026 financial results on Tuesday, April 21, 2026, with analysts projecting $2.35 EPS, a 24.3% increase year-over-year. The company was named No. 1 Best Company to Work For in the U.S. on April 1, 2026, driven by high-trust culture fueling innovation. Recent partnerships include collaboration with Figo Pet Insurance, linking Figo policies with Synchrony CareCredit cards for veterinary payments. Director Alves Paget Leonard received 883 restricted stock units valued at $68.02 each, vesting March 31, 2027.
Apr 8Synchrony Financial rises 3.41% overnight on Q1 2026 earnings outlook exceeding expectations.Positive▶
SYF gearing up for Q1 with consensus $2.35 EPS (+24.3% YoY). Expanded pet insurance with Figo. Stock $71.20 up 3.41%.
Apr 7Analyst Cuts Depress Growth Outlook Despite Partnership NewsMixed▶
Evercore ISI lowered SYF price target to $80 (maintaining Outperform), Barclays reduced to $82 (maintaining Overweight) on April 6, 2026. Synchrony announced pet insurance partnership with Figo. Q1 2026 earnings due April 21. Avg analyst PT $88.95 implies 29.5% upside.
Apr 6Synchrony schedules Q1 2026 earnings and expands pet insurance offerings through Figo partnershipNeutral▶
Synchrony Financial announced Q1 2026 results release on April 21, 2026 at 6:00 AM ET with a conference call at 8:00 AM ET. The company expanded pet insurance market presence through a partnership with Figo, enhancing CareCredit reimbursement services. Synchrony is ranked #2 Best Company to Work For by Fortune and Great Place to Work. Recent analyst downgrades by Truist and Bank of America cited valuation concerns.
Apr 3Synchrony Financial sees unusual put option activity; Q1 2026 earnings scheduled for April 21.Mixed▶
Synchrony Financial experienced elevated put option buying on April 2, 2026, with 20,986 puts traded (657% above average volume). Q1 2026 results scheduled for April 21. Truist lowered target to $71, while BTIG Research maintains Buy with $96 target. Named No. 1 Best Company to Work For.
Apr 2Synchrony Financial reports Q1 earnings April 21; expands pet insurance through Figo partnershipNeutral▶
Synchrony Financial will report Q1 2026 results on April 21, 2026, with earnings release at 6:00 a.m. ET and conference call at 8:00 a.m. ET. The company expanded into pet insurance via partnership with Figo Pet Insurance to enhance CareCredit reimbursement services. Recent analyst updates include Truist Financial reducing price target from $84 to $71 with a "Hold" rating (March 23), while BTIG Research maintains "Buy" with $96 target. Stock price at $66.74 with unusually high put option trading (657% increase in volume on April 2).
Sector Peers
| Company | Price | Day | 1M | Fwd P/E | Beta | Mkt Cap |
|---|---|---|---|---|---|---|
| AXPAMERICAN | $319.76 | -1.02% | +5.7% | 16.1x | 1.13 | $220.4B |
| COFCAPITAL | $192.15 | +0.44% | +3.9% | 8.0x | 1.14 | $121.3B |
| SYFSYNCHRONY | $75.83 | -0.49% | +10.0% | 7.3x | 1.38 | $25.7B |
| BRK.BBERKSHIRE | $474.00 | +0.08% | -0.6% | 21.8x | 0.70 | $1.02T |
| JPMJPMORGAN | $313.11 | -0.04% | +6.0% | 13.3x | 1.04 | $839.3B |
| VVISA | $328.42 | -0.43% | +8.7% | 22.5x | — | $627.4B |
Key Fundamentals
RSI (14-Day)
52-Week Range
Moving Averages
Price above both MAs — bullish structure.