SYF
Synchrony Financial · Financial Services · Credit Services
TECHSellZACKSHold
R500#219 today
$71.77
+0.36% today · -1.60% 1W
Oct 2 close or latest
PreviewWhy it's moving
Moving with the market
- SYF +0.36% on the last session vs SPY +0.74%: −0.4 pts of stock-specific move.
- Market backdrop (Fri): Average Hourly Earnings m/m 0.1% vs 0.3% expected (cooler); Non-Farm Employment Change 29K vs 89K expected (weaker); S&P futures +0.41%, 10-year yield -5bp in the 30 minutes after.
Assembled from Wallsti's own signals.
Next report
Oct 20
Before the open · in 16 days
EPS estimate
$2.37
$2.24 to $2.55 · 16 analysts
Revenue estimate
$3.8B
$3.8B to $3.9B
Track record
7/8 beats
last 8 reports · moved ±3.1% on average
Reports
| Reported | Quarter | EPS est. | EPS | EPS surprise | Revenue | Reaction | Gap | 5 days |
|---|---|---|---|---|---|---|---|---|
| Jul 21, 2026 BMO | 2Q2026 | $2.13 | $2.59 | +$0.46 (+21.9%) beat | $3.7B | -1.6% -2.5 vs SPY | +1.5% | +2.6% |
| Apr 21, 2026 BMO | 1Q2026 | $2.16 | $2.27 | +$0.11 (+5.1%) beat | $3.7B | -1.2% -0.6 vs SPY | -1.5% | -2.3% |
| Jan 27, 2026 BMO | 4Q2025 | $2.02 | $2.18 | +$0.16 (+7.8%) beat | $3.8B | -5.8% -6.2 vs SPY | -1.4% | -5.2% |
| Oct 15, 2025 BMO | 3Q2025 | $2.21 | $2.86 | +$0.65 (+29.3%) beat | $3.8B | -0.7% -1.1 vs SPY | +0.8% | +1.6% |
| Jul 22, 2025 BMO | $1.79 | $2.50 | +$0.71 (+39.7%) beat | — | +1.8% +1.8 vs SPY | -1.0% | +4.9% | |
| Apr 22, 2025 BMO | $1.65 | $1.89 | +$0.24 (+14.5%) beat | — | +2.8% +0.2 vs SPY | +0.4% | +10.5% | |
| Jan 28, 2025 BMO | $1.92 | $1.91 | −$0.01 (−0.5%) miss | — | -4.6% -5.4 vs SPY | -4.8% | -3.0% | |
| Oct 16, 2024 BMO | $1.82 | $1.94 | +$0.12 (+6.6%) beat | — | +6.1% +5.6 vs SPY | +3.6% | +4.5% | |
| Jul 17, 2024 BMO | $1.37 | $1.55 | +$0.18 (+13.1%) beat | — | +1.0% +2.4 vs SPY | -0.2% | -1.7% | |
| Apr 24, 2024 BMO | $1.37 | $1.18 | −$0.19 (−13.9%) miss | — | +5.0% +5.1 vs SPY | +0.3% | +2.6% | |
| Jan 23, 2024 BMO | $0.95 | $1.18 | +$0.23 (+24.2%) beat | — | -0.9% -1.2 vs SPY | -0.1% | +3.8% | |
| Oct 24, 2023 BMO | $1.44 | $1.48 | +$0.04 (+2.8%) beat | — | -4.4% -5.1 vs SPY | +1.3% | -1.0% | |
| Jul 18, 2023 BMO | $1.26 | $1.32 | +$0.06 (+4.8%) beat | — | +1.9% +1.1 vs SPY | +1.7% | +0.9% | |
| Apr 19, 2023 BMO | $1.45 | $1.35 | −$0.10 (−6.9%) miss | — | +1.8% +1.8 vs SPY | +3.1% | -3.7% | |
| Jan 23, 2023 BMO | $1.12 | $1.26 | +$0.14 (+12.5%) beat | — | -2.4% -3.6 vs SPY | -0.5% | +4.7% | |
| Oct 25, 2022 BMO | $1.39 | $1.47 | +$0.08 (+5.8%) beat | — | +5.7% +4.1 vs SPY | 0.0% | +8.2% | |
| Jul 18, 2022 BMO | $1.38 | $1.60 | +$0.22 (+15.9%) beat | — | +0.3% +1.1 vs SPY | +2.3% | +4.1% | |
| Apr 18, 2022 BMO | $1.54 | $1.77 | +$0.23 (+14.9%) beat | — | +6.2% +6.1 vs SPY | +0.6% | +0.7% | |
| Jan 28, 2022 BMO | $1.41 | $1.34 | −$0.07 (−5.0%) miss | — | -6.8% -9.2 vs SPY | -7.1% | -4.9% | |
| Oct 19, 2021 BMO | $1.46 | $1.67 | +$0.21 (+14.4%) beat | — | +2.6% +1.9 vs SPY | +0.2% | -4.2% | |
| Jul 20, 2021 BMO | $1.36 | $2.12 | +$0.76 (+55.9%) beat | — | — | — | — | |
| Apr 27, 2021 BMO | $1.38 | $1.73 | +$0.35 (+25.4%) beat | — | — | — | — | |
| Jan 29, 2021 BMO | $0.86 | $1.24 | +$0.38 (+44.2%) beat | — | — | — | — | |
| Oct 20, 2020 BMO | $0.69 | $0.63 | −$0.06 (−8.7%) miss | — | — | — | — |
BMO = before the open, AMC = after the close. Reaction: the first session that could trade on the report (the same day for BMO, the next session for AMC) against the close before it; "vs SPY" subtracts the S&P 500 over the same session. EPS surprise is in dollars, with the percentage only when the estimate is at least $0.10 (near zero, a small beat would show as hundreds of percent). Revenue surprise needs the estimate from before the report, so it starts with the reports Wallsti saw coming.
Analyst estimates
| Period | EPS | Range | vs year ago | 90-day trend | Revisions 30d | Revenue | vs year ago |
|---|---|---|---|---|---|---|---|
| Current quarter · Sep 30, 2026 | $2.37 (16) | $2.24 – $2.55 | -17% | -8.2% | ▲2 ▼0 | $3.8B | 0% |
| Next quarter · Dec 31, 2026 | $2.14 (19) | $1.86 – $2.79 | +5% | -8.0% | ▲1 ▼3 | $3.9B | +3% |
| Current year · Dec 31, 2026 | $9.42 (19) | $9.25 – $10.17 | 0% | +1.3% | ▲1 ▼1 | $15.2B | +1% |
| Next year · Dec 31, 2027 | $10.44 (22) | $9.99 – $11.37 | +11% | -1.0% | ▲3 ▼2 | $16.0B | +5% |
Consensus as of Oct 4, 2026. Source: Yahoo Finance analyst estimates; schedule and timing also from Nasdaq's earnings calendar.