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Synchrony Financial

SYF Finance Finance: Consumer Services
$75.09
▲ +2.4% Today
as of Oct 22, 16:52 ET
Last 30 days -1.04% Sep 14 → Oct 22
$70.24 $71.80 $73.36 $74.93 $76.49 Sep 14 Sep 22 Sep 29 Oct 07 Oct 14 Oct 22
Open
$73.59
High
$75.59
Low
$73.56
Volume
$4M
Avg Vol
$4M
Mkt Cap
$26.8B
P/E (TTM)
9.54
Beta
—
52w High
$88.77
52w Low
$63.08
Div Yield
—
Shares Out
$325M

Recent Press Releases & News last 60 days · 25 items

mixed ▲ 2 ● 23 ▼ 0
Oct 21 · 13:24 MT Newswires neutral
JPMorgan Adjusts Synchrony Financial Price Target to $77 From $74
Oct 21 · 11:34 MT Newswires neutral
Evercore ISI Downgrades Synchrony Financial to In Line, Price Target is $78
Oct 21 · 09:42 StockStory neutral
SYF Q3 Deep Dive: Consumer Strength and Digital Strategy Shape Outlook
▸ Show all 25 press releases & news Free account →

SYF earnings at a glance

The options market is pricing a move of about ±4.1% after the report, a range of roughly $72.03 to $78.15 from today's $75.09. Over its last 6 reports the stock rose the next day 2 times and fell 4, moving ±2.3% on average; after the most recent report on Jul 21, 2026 it moved -1.6%. That means options currently expect more movement than SYF has typically delivered. SYF beat the consensus EPS estimate in 5 of its last 6 reported quarters. Implied volatility is currently 34%. The share price of $75.09 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$63
$89
47% of range
Avg surprise (last 6)
+20.4%
Avg reaction (last 6)
-0.8%
33% positive
Latest IV / EM
34%
EM ±4.1% · $73 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$1.32$1.78$2.23$2.69$3.14 Actual $1.35Actual $1.32Actual $1.48Actual $3.14Actual $1.55Actual $1.94Actual $1.89Est $1.63Actual $2.50Est $1.72Actual $2.86Est $2.22Actual $2.18Est $2.02Actual $2.27Est $2.27Actual $2.59Est $2.08 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$283M$565M$848M$1.1B Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jul 21, 2026Jun/2026 $2.59 $2.08 +24.5% -16.8% -1.6% earnings
Tue Apr 21, 20268K 2026-04-21 $2.27 $2.27 0.0% — -1.2% earnings
Tue Jan 27, 20268K 2026-01-27 $2.18 $2.02 +7.9% — -5.8% earnings
Wed Oct 15, 2025Sep/2025 $2.86 $2.22 +28.8% — -0.7% earnings
Tue Jul 22, 2025Jun/2025 $2.50 $1.72 +45.4% — +1.8% earnings
Tue Apr 22, 2025Mar/2025 $1.89 $1.63 +15.9% — +2.8% earnings
Mon Sep 30, 2024Sep 2024 $1.94 — — — — financials
Sun Jun 30, 2024Jun 2024 $1.55 — — — — financials
Sun Mar 31, 2024Mar 2024 $3.14 — — — — financials
Sat Sep 30, 2023Sep 2023 $1.48 — — — — financials
Fri Jun 30, 2023Jun 2023 $1.32 — — — — financials
Fri Mar 31, 2023Mar 2023 $1.35 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$885M$805M—$1.08B$967M$757M—$789M
EPS (diluted)$2.59$2.27—$2.86$2.50$1.89—$1.94

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$16.19B$20.56B$14.97B$16.25B$19.46B$21.63B$14.71B$17.93B
Inventory————————
Total current assets————————
Total assets$121.93B$121.50B$119.09B$116.98B$120.50B$122.03B$119.46B$119.23B
Long-term debt$16.43B$16.43B$15.18B$14.43B$16.01B$17.01B$15.46B$15.63B
Total liabilities$105.03B$105.02B$102.33B$99.92B$103.55B$105.44B$102.88B$103.25B
Total equity$16.90B$16.48B$16.77B$17.07B$16.95B$16.58B$16.58B$15.98B

Implied volatility — last 90 days

26%37%48%59%70% Jun 07 — IV 37% · EM ±5.2%Jun 08 — IV 35% · EM ±4.6%Jun 09 — IV 35% · EM ±4.4%Jun 10 — IV 37% · EM ±4.3%Jun 11 — IV 38% · EM ±4.2%Jun 12 — IV 33% · EM ±3.3%Jun 15 — IV 36% · EM ±2.6%Jun 16 — IV 37% · EM ±2.2%Jun 17 — IV 53% · EM ±2.2%Jun 19 — IV 33% · EM ±7.3%Jun 22 — IV 32% · EM ±6.7%Jun 23 — IV 30% · EM ±6.1%Jun 24 — IV 31% · EM ±6.2%Jun 25 — IV 29% · EM ±5.8%Jun 26 — IV 29% · EM ±5.6%Jun 29 — IV 29% · EM ±5.2%Jun 30 — IV 30% · EM ±5.1%Jul 01 — IV 28% · EM ±4.8%Jul 02 — IV 32% · EM ±5.1%Jul 03 — IV 33% · EM ±5.1%Jul 06 — IV 32% · EM ±4.4%Jul 07 — IV 31% · EM ±4.1%Jul 08 — IV 44% · EM ±5.5%Jul 09 — IV 34% · EM ±4.0%Jul 10 — IV 29% · EM ±3.2%Jul 13 — IV 39% · EM ±3.3%Jul 14 — IV 46% · EM ±3.4%Jul 15 — IV 38% · EM ±2.3%Jul 16 — IV 71% · EM ±3.0%Jul 20 — IV 38% · EM ±8.9%Jul 21 — IV 32% · EM ±7.5%Jul 22 — IV 31% · EM ±7.1%Jul 23 — IV 33% · EM ±7.3%Jul 24 — IV 32% · EM ±7.0%Jul 27 — IV 34% · EM ±7.1%Jul 28 — IV 32% · EM ±6.6%Jul 29 — IV 33% · EM ±6.6%Jul 30 — IV 31% · EM ±6.1%Jul 31 — IV 32% · EM ±6.0%Aug 03 — IV 32% · EM ±5.6%Aug 04 — IV 35% · EM ±6.0%Aug 05 — IV 31% · EM ±5.2%Aug 06 — IV 32% · EM ±5.2%Aug 07 — IV 31% · EM ±4.8%Aug 10 — IV 29% · EM ±4.0%Aug 11 — IV 34% · EM ±4.4%Aug 12 — IV 27% · EM ±3.4%Aug 13 — IV 28% · EM ±3.3%Aug 14 — IV 27% · EM ±3.0%Aug 17 — IV 37% · EM ±3.1%Aug 18 — IV 33% · EM ±2.4%Aug 19 — IV 32% · EM ±1.9%Aug 20 — IV 34% · EM ±1.4%Aug 24 — IV 30% · EM ±6.2%Aug 25 — IV 28% · EM ±5.7%Aug 26 — IV 26% · EM ±5.3%Aug 27 — IV 29% · EM ±5.6%Aug 28 — IV 28% · EM ±5.3%Aug 31 — IV 28% · EM ±5.0%Sep 01 — IV 30% · EM ±5.1%Sep 02 — IV 34% · EM ±5.7%Sep 03 — IV 29% · EM ±4.7%Sep 04 — IV 28% · EM ±4.4%Sep 07 — IV 32% · EM ±4.4%Sep 08 — IV 30% · EM ±3.9%Sep 09 — IV 32% · EM ±4.0%Sep 10 — IV 33% · EM ±3.9%Sep 11 — IV 34% · EM ±3.7%Sep 14 — IV 41% · EM ±3.4%Sep 15 — IV 44% · EM ±3.2%Sep 16 — IV 41% · EM ±2.4%Sep 17 — IV 39% · EM ±1.6%Sep 21 — IV 30% · EM ±6.2%Sep 22 — IV 31% · EM ±6.4%Sep 23 — IV 33% · EM ±6.6%Sep 24 — IV 30% · EM ±6.0%Sep 25 — IV 32% · EM ±6.0%Sep 28 — IV 33% · EM ±5.9%Sep 29 — IV 32% · EM ±5.4%Sep 30 — IV 34% · EM ±5.7%Oct 01 — IV 34% · EM ±5.4%Oct 02 — IV 33% · EM ±5.2%Oct 06 — IV 37% · EM ±4.9%Oct 07 — IV 29% · EM ±3.6%Oct 08 — IV 34% · EM ±4.1%

Sector peers

AFRM
Affirm Holdings, Inc.
$25.4B $72.40-2.0%
RKT
Rocket Companies, Inc.
$32.4B $11.74+4.4%
CRCL
Circle Internet Group, Inc.
$20.5B $86.62+0.9%
SOFI
SoFi Technologies, Inc.
$20.2B $14.77+0.6%
EFX
Equifax, Inc.
$16.7B $187.14+6.0%
KLAR
Klarna Group plc
$14.7B $13.23+0.6%

SYF earnings FAQ

What is SYF's expected move for earnings?

Options currently price a move of about ±4.1%, or $3.06 per share either way from $75.09.

How does SYF stock usually react to earnings?

Across the last 6 reports the average next-day move was ±2.3%, up 2 times and down 4 times.

What is SYF's implied volatility?

SYF's at-the-money implied volatility is about 34% based on the latest options snapshot.

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