Zacks Research Issues Optimistic Forecast for SYF Earnings

Synchrony Financial (NYSE:SYF) – Equities researchers at Zacks Research raised their Q2 2025 earnings per share (EPS) estimates for Synchrony Financial in a research report issued to clients and investors on Monday, February 10th. Zacks Research analyst K. Dey now anticipates that the financial services provider will post earnings of $1.59 per share for the quarter, up from their prior forecast of $1.22. The consensus estimate for Synchrony Financial’s current full-year earnings is $7.45 per share. Zacks Research also issued estimates for Synchrony Financial’s Q3 2025 earnings at $2.09 EPS, FY2025 earnings at $7.08 EPS, Q1 2026 earnings at $1.88 EPS, Q2 2026 earnings at $1.88 EPS, Q3 2026 earnings at $2.38 EPS, Q4 2026 earnings at $2.07 EPS and FY2026 earnings at $8.21 EPS.

Synchrony Financial (NYSE:SYF) last posted its quarterly earnings results on Tuesday, January 28th. The financial services provider reported $1.91 EPS for the quarter, beating the consensus estimate of $1.89 by $0.02. Synchrony Financial had a return on equity of 18.30% and a net margin of 15.36%.

Several other brokerages have also recently issued reports on SYF. Truist Financial boosted their price objective on shares of Synchrony Financial from $72.00 to $77.00 and gave the company a “hold” rating in a research note on Thursday, January 30th. The Goldman Sachs Group upped their price target on Synchrony Financial from $72.50 to $82.00 and gave the stock a “buy” rating in a research note on Wednesday, January 8th. Royal Bank of Canada lifted their price objective on Synchrony Financial from $70.00 to $73.00 and gave the company a “sector perform” rating in a research note on Wednesday, January 29th. Wells Fargo & Company raised shares of Synchrony Financial from an “equal weight” rating to an “overweight” rating and increased their target price for the stock from $60.00 to $85.00 in a research report on Tuesday, December 3rd. Finally, Evercore ISI raised their price target on shares of Synchrony Financial from $58.00 to $65.00 and gave the company an “outperform” rating in a report on Wednesday, October 30th. Seven equities research analysts have rated the stock with a hold rating, fifteen have assigned a buy rating and one has assigned a strong buy rating to the company. According to MarketBeat.com, Synchrony Financial has an average rating of “Moderate Buy” and an average price target of $69.30.

Synchrony Financial Price Performance

Synchrony Financial stock opened at $63.98 on Thursday. The company has a debt-to-equity ratio of 1.01, a quick ratio of 1.25 and a current ratio of 1.24. The company has a market cap of $24.91 billion, a price-to-earnings ratio of 7.49, a PEG ratio of 0.72 and a beta of 1.63. Synchrony Financial has a 1 year low of $38.25 and a 1 year high of $70.93. The firm has a 50 day moving average price of $67.04 and a 200 day moving average price of $58.35.

Synchrony Financial Dividend Announcement

The firm also recently announced a quarterly dividend, which will be paid on Tuesday, February 18th. Stockholders of record on Monday, February 3rd will be given a dividend of $0.25 per share. This represents a $1.00 dividend on an annualized basis and a dividend yield of 1.56%. The ex-dividend date is Monday, February 3rd. Synchrony Financial’s payout ratio is 11.71%.

Insider Buying and Selling

In other Synchrony Financial news, insider Jonathan S. Mothner sold 34,163 shares of Synchrony Financial stock in a transaction that occurred on Friday, November 15th. The stock was sold at an average price of $64.99, for a total transaction of $2,220,253.37. Following the sale, the insider now directly owns 127,587 shares in the company, valued at $8,291,879.13. The trade was a 21.12 % decrease in their position. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through the SEC website. Insiders own 0.33% of the company’s stock.

Institutional Trading of Synchrony Financial

A number of hedge funds have recently made changes to their positions in the stock. CWM LLC raised its stake in shares of Synchrony Financial by 2.6% in the 3rd quarter. CWM LLC now owns 20,772 shares of the financial services provider’s stock valued at $1,036,000 after purchasing an additional 526 shares in the last quarter. Exchange Traded Concepts LLC grew its position in Synchrony Financial by 7,655.2% in the 3rd quarter. Exchange Traded Concepts LLC now owns 17,139 shares of the financial services provider’s stock worth $855,000 after purchasing an additional 16,918 shares during the last quarter. Creative Planning raised its holdings in shares of Synchrony Financial by 1.0% during the third quarter. Creative Planning now owns 30,064 shares of the financial services provider’s stock valued at $1,500,000 after buying an additional 308 shares during the last quarter. Swedbank AB boosted its position in shares of Synchrony Financial by 0.3% during the third quarter. Swedbank AB now owns 99,773 shares of the financial services provider’s stock worth $4,977,000 after buying an additional 312 shares during the period. Finally, Vontobel Holding Ltd. grew its holdings in Synchrony Financial by 125.6% in the 3rd quarter. Vontobel Holding Ltd. now owns 16,080 shares of the financial services provider’s stock worth $802,000 after buying an additional 8,952 shares in the last quarter. Institutional investors and hedge funds own 96.48% of the company’s stock.

Synchrony Financial Company Profile

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms.