Synchrony Financial (NYSE:SYF) Updates FY 2026 Earnings Guidance

27 Jan 2026, 09:48 by Renee Jackson · The Cerbat Gem

Synchrony Financial (NYSE:SYF – Get Free Report) issued an update on its FY 2026 earnings guidance on Tuesday morning. The company provided EPS guidance of 9.100-9.500 for the period, compared to the consensus EPS estimate of 9.340. The company issued revenue guidance of -.

Synchrony Financial Price Performance

Synchrony Financial stock opened at $74.46 on Tuesday. The company has a market cap of $26.82 billion, a price-to-earnings ratio of 8.16, a PEG ratio of 0.53 and a beta of 1.43. The firm has a 50 day moving average price of $80.93 and a 200 day moving average price of $75.64. Synchrony Financial has a 1 year low of $40.54 and a 1 year high of $88.77. The company has a debt-to-equity ratio of 0.91, a quick ratio of 1.24 and a current ratio of 1.24.

Synchrony Financial declared that its board has authorized a share repurchase 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 shares through open market purchases. Shares repurchase plans are often an indication that the company’s board of directors believes its stock is undervalued.

Analyst Upgrades and Downgrades

A number of research analysts recently commented on SYF shares. Hsbc Global Res raised Synchrony Financial from a “hold” rating to a “strong-buy” rating in a report on Thursday, October 9th. TD Cowen upped their price target on Synchrony Financial from $91.00 to $100.00 and gave the company a “buy” rating in a research report on Thursday, January 8th. JPMorgan Chase & Co. lifted their target price on Synchrony Financial from $75.00 to $86.00 and gave the company a “neutral” rating in a research note on Monday, January 12th. Wells Fargo & Company increased their price objective on Synchrony Financial from $95.00 to $100.00 and gave the company an “overweight” rating in a research report on Monday, January 5th. Finally, Evercore ISI boosted their target price on shares of Synchrony Financial from $83.00 to $84.00 and gave the company an “outperform” rating in a research note on Tuesday, September 30th. One equities research analyst has rated the stock with a Strong Buy rating, twelve have assigned a Buy rating and ten have issued a Hold rating to the company. Based on data from MarketBeat.com, Synchrony Financial has an average rating of “Moderate Buy” and a consensus price target of $86.47.

Read Our Latest Stock Analysis on Synchrony Financial

Insider Activity at Synchrony Financial

In other news, insider Darrell Owens sold 2,989 shares of the company’s stock in a transaction that occurred on Monday, November 3rd. The stock was sold at an average price of $74.02, for a total value of $221,245.78. Following the sale, the insider directly owned 16,096 shares in the company, valued at approximately $1,191,425.92. This represents a 15.66% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is accessible through this link. Also, Director Arthur W. Coviello, Jr. sold 8,000 shares of the business’s stock in a transaction on Monday, November 3rd. The shares were sold at an average price of $73.93, for a total value of $591,440.00. Following the completion of the sale, the director directly owned 35,769 shares in the company, valued at approximately $2,644,402.17. This represents a 18.28% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. In the last quarter, insiders have sold 55,075 shares of company stock worth $4,036,892. 0.32% of the stock is owned by company insiders.

Institutional Trading of Synchrony Financial

A number of hedge funds have recently modified their holdings of the company. Smartleaf Asset Management LLC lifted its position in Synchrony Financial by 3.1% during the 2nd quarter. Smartleaf Asset Management LLC now owns 5,027 shares of the financial services provider’s stock worth $333,000 after buying an additional 149 shares in the last quarter. Larson Financial Group LLC boosted its holdings in shares of Synchrony Financial by 22.7% during the 3rd quarter. Larson Financial Group LLC now owns 904 shares of the financial services provider’s stock worth $64,000 after buying an additional 167 shares during the period. 44 Wealth Management LLC increased its stake in shares of Synchrony Financial by 0.8% during the second quarter. 44 Wealth Management LLC now owns 24,910 shares of the financial services provider’s stock worth $1,662,000 after purchasing an additional 188 shares during the period. Towarzystwo Funduszy Inwestycyjnych PZU SA lifted its holdings in shares of Synchrony Financial by 75.8% during the third quarter. Towarzystwo Funduszy Inwestycyjnych PZU SA now owns 580 shares of the financial services provider’s stock worth $41,000 after buying an additional 250 shares in the last quarter. Finally, Laird Norton Wetherby Wealth Management LLC increased its stake in shares of Synchrony Financial by 4.0% in the 3rd quarter. Laird Norton Wetherby Wealth Management LLC now owns 6,670 shares of the financial services provider’s stock valued at $474,000 after purchasing an additional 256 shares during the last quarter. 96.48% of the stock is currently owned by institutional investors and hedge funds.

Synchrony Financial Company Profile

(Get Free Report)

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.