SYF
Synchrony FinancialPrevious close
75.35
Change
−1.62 / −2.10%
P/E (TTM) ?
7.2
Market Cap
$23.5B
1M
+6.17%
S&P 500 −0.91% over same period
Volume / Avg Volume
2.9M / 3.7M
0.79× average
Latest earnings analysisFY2026 Q3Reported 2026-10-20
Synchrony Q3 FY2026: EPS $2.68 beats, net income falls 17% to $892 million
Synchrony beat the $2.45 consensus at $2.68 a share, yet net income fell 17% to $892 million because a year-earlier reserve release flattered the comparison. Revenue of $4.91 billion grew just 1.4%, so the quarter is really two stories: credit measurably improved while the bottom line shrank. Read the EPS beat and the earnings decline together — neither one alone tells you what changed.
Read the full analysis →Revenue$4.91B
EPS$2.68Beatest. $2.45
Next-day move−1.19%
Recent Earnings
Click to read the FinDog analysis| Period | Reported | Revenue | Analysis |
|---|---|---|---|
| FY2026 Q3 Quarter ended 2026-09 | 2026-10-20 | $4.9B | Read analysis → |
| FY2026 Q2 Quarter ended 2026-06 | 2026-07-21 | $4.7B | Read analysis → |
| FY2026 Q1 Quarter ended 2026-03 | 2026-04-21 | $4.8B | Pending |
| FY2025 Q4 Quarter ended 2025-12 | 2026-01-27 | $19.0B | Pending |
| FY2025 Q3 Quarter ended 2025-09 | 2025-10-15 | $4.8B | Pending |
| FY2025 Q2 Quarter ended 2025-06 | 2025-07-22 | $4.6B | Pending |
| FY2025 Q1 Quarter ended 2025-03 | 2025-04-24 | $4.6B | Pending |
Decision Panel
Trends · Valuation · Earnings reaction · Guidance credibility — all from company filings and market dataValuation
P/E is at percentile 30 of its 5-year rangeCheap
5-year range 6.1 – 9.4 · Median 7.8
Last 4 quarters: $3.8B in buybacks + $420M in dividends, 18.12% of market cap combined
P/E (TTM)
7.2
P/B
1.5
P/S
0.7
Dividend Yield
3.35%
Earnings Reaction
Over the last 7 reports, the stock moved ±1.4% on average on the first trading day after, rising 4 times
Most recent −1.19%
Volatility & Correlation
1-year beta 1.04 · Correlation with S&P 500 0.41Tracks the market
Annualized volatility 31% vs. 12% for the S&P 500
Insider Trading
View all →Last 90 days · Open-market buys and sells by officers and directors · Amounts in USD millions
Buy 0 · $0.00MSell 4 · $0.85MNet selling $0.85M
- 08-13Casellas AlbertoSee remarksSell$0.44M5,456 shares · Avg price 80.00
- 08-03COVIELLO ARTHUR W JRDirectorSell$0.31M4,000 shares · Avg price 77.17
- 08-03Gentleman CourtneySee remarksSell$0.06M721 shares · Avg price 76.73
- 08-03Owens DarrellSee remarksSell$0.05M610 shares · Avg price 76.73
Multi-Quarter Financial Trends
View all quarters →Last 12 quarters · As reported by the company
| Quarter | Revenue ($B) | YoY | Gross Margin | Net Income ($B) | EPS |
|---|---|---|---|---|---|
| FY2026 Q3 | 4.91 | +1.4% | — | 0.89 | 2.68 |
| FY2026 Q2 | 4.75 | +2.3% | — | 0.89 | 2.59 |
| FY2026 Q1 | 4.77 | +3.4% | — | 0.81 | 2.27 |
| FY2025 Q4 | 4.89 | +3.5% | — | 0.75 | 2.03 |
| FY2025 Q3 | 4.85 | +2.5% | — | 1.08 | 2.86 |
| FY2025 Q2 | 4.64 | +2.6% | — | 0.97 | 2.50 |
| FY2025 Q1 | 4.61 | −17.1% | — | 0.76 | 1.89 |
| FY2024 Q4 | 4.72 | +4.0% | — | 0.77 | 1.92 |
| FY2024 Q3 | 4.73 | +6.2% | — | 0.79 | 1.94 |
| FY2024 Q2 | 4.52 | +8.2% | — | 0.64 | 1.55 |
| FY2024 Q1 | 5.56 | +35.1% | — | 1.29 | 3.14 |
| FY2023 Q4 | 4.54 | +9.7% | — | 0.44 | 1.04 |