Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
| Revenue (TTM) | $9.91B |
| Gross Profit (TTM) | $9.91B |
| EBITDA | — |
| Operating Margin | 50.20% |
| Return on Equity | 20.80% |
| Return on Assets | 2.90% |
| Revenue/Share (TTM) | $28.48 |
| Book Value | $45.27 |
| Price-to-Book | 1.56 |
| Price-to-Sales (TTM) | 2.47 |
| EV/Revenue | 2.785 |
| EV/EBITDA | — |
| Quarterly Earnings Growth (YoY) | 3.60% |
| Quarterly Revenue Growth (YoY) | 0.60% |
| Shares Outstanding | $325.37M |
| Float | $323.27M |
| % Insiders | 0.35% |
| % Institutions | 111.65% |
Volatility is currently contracting
Capital One and Synchrony earnings results this week highlight a consumer credit market that is becoming more segmented: lenders are drawing finer distinctions within credit tiers, millions of new accounts are still being opened and card products are increasingly being matched to both a borrower's credit profile and expected spending behavior.
The prevailing narrative says the consumer, squeezed by inflation, higher gas prices and a steady sense of uncertainty, is ready to pull back. Synchrony's second-quarter results point in a more optimistic direction.
Synchrony Financial (SYF) Q2 2026 Earnings Call Transcript
Synchrony Financial tops Q2 EPS estimates by 24.5% as record purchase volume, stronger loan growth and a higher 2026 EPS outlook offset rising expenses.
Synchrony Financial NYSE: SYF reported second-quarter 2026 net earnings of $885 million, or $2.59 per diluted share, as executives pointed to record purchase volume, renewed account growth and continued credit discipline during the company's earnings call.
While the top- and bottom-line numbers for Synchrony (SYF) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Synchrony (SYF) came out with quarterly earnings of $2.59 per share, beating the Zacks Consensus Estimate of $2.08 per share. This compares to earnings of $2.5 per share a year ago.
Company Announces Quarterly Common Stock Dividend of $0.34 Per Share STAMFORD, Conn., July 21, 2026 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its second quarter 2026 results for the fiscal year ending June 30, 2026.
Will higher purchase volumes and a wider net interest margin help SYF top Q2 estimates? See the key factors shaping its July 21 earnings report.
Evaluate the expected performance of Synchrony (SYF) for the quarter ended June 2026, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight.
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