Synchrony Financial
73.64USD
-1.4500 (-1.93%)
Not enough data yet
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Consensus EPS on the street’s adjusted basis, not the filed GAAP figure — which is why the actuals here can differ from the income statement.
| Period | Consensus EPS | 90 days ago | Revisions up (30d) | Revisions down (30d) |
|---|---|---|---|---|
| Current quarter | $1.98▼ | $2.19 | 3 | 5 |
| Next quarter | $2.57▲ | $2.55 | 5 | 1 |
| Current year | $9.55▲ | $9.37 | 8 | 0 |
| Next year | $10.49▲ | $10.48 | 7 | 4 |
Beat in 4 of the last 4
| Quarter | Estimate | Actual | Surprise |
|---|---|---|---|
| 2026-09-30 | $2.4 | $2.68 | +0.28 (+11.4%) |
| 2026-06-30 | $2.13 | $2.59 | +0.46 (+21.9%) |
| 2026-03-31 | $2.16 | $2.27 | +0.11 (+5.1%) |
| 2025-12-31 | $2.02 | $2.18 | +0.16 (+7.8%) |
347 ratings from 37 firms
Ratings are attributed to the research firm, not to individual analysts. See every ticker.
| Firm | Action | Rating | Price Target | Date |
|---|---|---|---|---|
| JP Morgan | Maintained | Neutral | $74 $77 | Oct 21, 2026 |
| Evercore ISI Group | Downgraded from Outperform | In-Line | $80 $78 | Oct 21, 2026 |
| Barclays | Maintained | Overweight | $93 $94 | Oct 21, 2026 |
| Morgan Stanley | Maintained | Equal-Weight | $84 $83 | Oct 12, 2026 |
| JP Morgan | Maintained | Neutral | $78 $74 | Oct 12, 2026 |
| BMO Capital | Initiated | Market Perform | $81 | Oct 9, 2026 |
| TD Cowen | Maintained | Buy | $90 $86 | Oct 6, 2026 |
| UBS | Maintained | Neutral | $87 $81 | Oct 5, 2026 |
| Evercore ISI Group | Maintained | Outperform | $86 $80 | Oct 1, 2026 |
| Wolfe Research | Maintained | Outperform | $85 $90 | Aug 25, 2026 |
| UBS | Maintained | Neutral | $84 $87 | Aug 3, 2026 |
| Evercore ISI Group | Maintained | Outperform | $90 $86 | Jul 28, 2026 |
| Wells Fargo | Maintained | Overweight | $95 $88 | Jul 22, 2026 |
| RBC Capital | Maintained | Sector Perform | $85 $80 | Jul 22, 2026 |
| Baird | Maintained | Outperform | $86 $90 | Jul 22, 2026 |
| HSBC | Maintained | Buy | $93 $97 | Jul 13, 2026 |
| JP Morgan | Maintained | Neutral | $81 $78 | Jul 13, 2026 |
| TD Cowen | Maintained | Buy | $89 $90 | Jul 7, 2026 |
| UBS | Maintained | Neutral | $77 $84 | Jul 7, 2026 |
| Loop Capital | Initiated | Hold | $81 | May 22, 2026 |
| Truist Securities | Maintained | Hold | $71 $82 | Apr 23, 2026 |
| Barclays | Maintained | Overweight | $82 $93 | Apr 22, 2026 |
| Baird | Maintained | Outperform | $83 $86 | Apr 22, 2026 |
| BTIG | Downgraded from Buy | Neutral | — | Apr 22, 2026 |
| JP Morgan | Maintained | Neutral | $84 $73 | Apr 9, 2026 |
162 filings from 27 insiders · 27 buy / 8 sell over 6m
Officers and directors of SYF, from the last two years of filings. Grants, gifts and option exercises are shown but not colour-coded — they are compensation, not a view on the price.
| Insider | Action | Shares | Price | Value | Date |
|---|---|---|---|---|---|
| Chytil Kamila KDirector | Grant | 846 | $70.97 | $60k | Sep 30, 2026 |
| Richie LaurelDirector | Grant | 846 | $70.97 | $60k | Sep 30, 2026 |
| COLAO DANIEL ODirector | Grant | 846 | $70.97 | $60k | Sep 30, 2026 |
| Parker P.W.Director | Grant | 846 | $70.97 | $60k | Sep 30, 2026 |
| Zane Ellen MDirector | Grant | 846 | $70.97 | $60k | Sep 30, 2026 |
| Alves Paget LeonardDirector | Grant | 846 | $70.97 | $60k | Sep 30, 2026 |
| AGUIRRE FERNANDODirector | Grant | 846 | $70.97 | $60k | Sep 30, 2026 |
| COVIELLO ARTHUR W JRDirector | Grant | 846 | $70.97 | $60k | Sep 30, 2026 |
| ELLINGER DEBORAH GDirector | Grant | 846 | $70.97 | $60k | Sep 30, 2026 |
| NAYLOR JEFFREY GDirector | Grant | 1.3k | $70.97 | $91k | Sep 30, 2026 |
| GUTHRIE ROY ADirector | Grant | 846 | $70.97 | $60k | Sep 30, 2026 |
| COVIELLO ARTHUR W JRDirector | Buy | 11 | $80.60 | $887 | Aug 17, 2026 |
| CASELLAS ALBERTO BOfficer | Exercise | 5.5k | $33.53 | $183k | Aug 13, 2026 |
| CASELLAS ALBERTO BOfficer | Sell | 5.5k | $80.00 | $436k | Aug 13, 2026 |
| COVIELLO ARTHUR W JRDirector | Sell | 4.0k | $77.17 | $309k | Aug 3, 2026 |
| OWENS DARRELLOfficer | Sell | 610 | $76.73 | $47k | Aug 3, 2026 |
| GENTLEMAN COURTNEYOfficer | Sell | 721 | $76.73 | $55k | Aug 3, 2026 |
| COLAO DANIEL ODirector | Grant | 789 | $76.05 | $60k | Jun 30, 2026 |
| CHYTIL KAMILA KDirector | Grant | 789 | $76.05 | $60k | Jun 30, 2026 |
| RICHIE LAUREL JDirector | Grant | 789 | $76.05 | $60k | Jun 30, 2026 |
No analyst notes on SYF yet.
Analyst Ratings
24 analysts covering
| Period | Strong Buy | Buy | Hold | Sell | Strong Sell | Consensus |
|---|---|---|---|---|---|---|
| Current | 4 | 11 | 9 | 0 | 0 | Buy2.21 |
| 1 mo ago | 4 | 12 | 7 | 0 | 0 | Buy2.13 |
| 2 mo ago | 3 | 12 | 9 | 0 | 0 | Buy2.25 |
| 3 mo ago | 3 | 12 | 9 | 0 | 0 | Buy2.25 |
Members whose judged calls on SYF have played out most reliably.
No settled calls on SYF yet. Nobody has filed a call with a deadline on it.
A member is listed once they have three judged calls on a name.
A call with a target is judged on whether the price reaches it by the deadline, counting each day's high (a buy) or low (a sell) from the day after the call was made. A call without one is judged on whether the price at the close on the deadline is higher (a buy) or lower (a sell) than the price the call was made at: the live price when it was saved, for a call made with Make a call, or the last close before the day it was filed, for a call made in a note. Not against the market or an index.
A percentage appears once five calls have reached their deadline. A target reached sooner is shown as played out early, and counts toward the percentage when its deadline passes, because a miss cannot be known before then.
A member’s prediction, judged on price history · not investment advice