Synchrony Financial (SYF) earnings on July 21, 2026
More Synchrony Financial earnings
Prior outlook: No statistical edge
The stock rose as much as 3.6% during the day after the company said it expected higher earnings next year, but it ended the day down 1.6%.
SYF price around the earnings
72.21
Change: -1.6%
2026-07-21, 20:00 UTC
Start of the measured window
End of the measured window
70.98
72.66
74.34
76.02
73.40
July 21, 2026
- Price: green if it ends above the starting price; red if it ends below
- Start of the measured window
- End of the measured window
- Market open
- Starting price
Prior thesis
Prior outlook: No statistical edge
- Thesis published
- Results released
Perfect earnings beat record (100%, +20.4% avg) and strong analyst upside (+22.4%) offset by negative 14d trend strength and extreme retail bullishness creating sell-the-news risk.
Context analyzed before publication
- Trend
- Volatile recovery from -37.6 to +18.6 over five days; recent bounce may exhaust into event.
Analysts
Evidence
- Analyst consensus
- Buy
- Consensus average (1-5)
- 1.83
- Analysts covering the stock
- 23
- Average price target
- 89.83
- Lowest price target
- 78
- Highest price target
- 103
- Upside to price target
- 22.4%
- Quarterly earnings growth
- 6.3%
- Revenue growth
- 6.1%
- Forward EPS
- 10.53
- Trailing EPS
- 9.63
- Analyst moves in the last 60 days
- 5
- Strong buy: 4
- Buy: 12
- Hold: 8
- Sell: 0
- Strong sell: 0
- Strong buy
- 4
- Buy
- 12
- Hold
- 8
- Sell
- 0
- Strong sell
- 0
- July 13, 2026 · HSBC: Maintains rating (Buy → Buy)
- July 13, 2026 · JP Morgan: Maintains rating (Neutral → Neutral)
- July 7, 2026 · TD Cowen: Maintains rating (Buy → Buy)
- July 7, 2026 · UBS: Maintains rating (Neutral → Neutral)
- May 22, 2026 · Loop Capital: Initiates coverage (Hold)
News and sentiment
Evidence
Sentiment
- Sentiment
- Constructive
- Mention volume
- Low
- Normalized volume
- 33%
News
Sources (5)
- HSBC Maintains Buy on Synchrony Financial, Raises Price Target to $97 (opens in a new tab) — Benzinga
- JP Morgan Maintains Neutral on Synchrony Financial, Lowers Price Target to $78 (opens in a new tab) — Benzinga
- TD Cowen Maintains Buy on Synchrony Financial, Raises Price Target to $90 (opens in a new tab) — Benzinga
- UBS Maintains Neutral on Synchrony Financial, Raises Price Target to $84 (opens in a new tab) — Benzinga
- Synchrony Appoints Carol Juel As CEO Of Digital Platform, Succeeding Retiring Bart Schaller; Names DJ Casto Chief People And Operations Officer (opens in a new tab) — Benzinga
Technicals
Evidence
- Average true range (ATR)
- 2.7%
- Distance to 52-week high
- -16.4%
- 14-day change (14d)
- -6.3%
- 30-day change (30d)
- +3.7%
- 30-day relative strength
- +3.7%
- Benchmark change (0d)
- +0.0%
- Nearest support
- 73.17
- Nearest resistance
- 73.93
- Volume accumulation ratio (14d / 46d)
- 1.29
Trends
Evidence
- Average earnings surprise
- +20.4%
- April 21, 2026: actual EPS 2.27 vs estimate 2.16 (surprise +5.1%)
- January 27, 2026: actual EPS 2.18 vs estimate 2.02 (surprise +7.8%)
- October 15, 2025: actual EPS 2.86 vs estimate 2.21 (surprise +29.3%)
- July 22, 2025: actual EPS 2.5 vs estimate 1.79 (surprise +39.3%)
Expected move
There is no implied-move data available for this event.
Reactions over its last 19 earnings
- Median move
- 2.4%
- 75th percentile move
- 5.4%
- 90th percentile move
- 6.1%
- Up / down moves
- 11 / 8
- Average up move
- +3.2%
- Average down move
- -3.3%
Monitoring and close
What Synchrony Financial reported
- Status
- Finished
| Actual EPS | 2.59 |
|---|---|
| EPS estimate | 2.12 |
| EPS surprise | +22.2% |
| Revenue | $4,608 million |
| Revenue estimate | $4,337 million |
| Revenue surprise | +6.2% |
Synchrony beats Q2 estimates and raises 2026 EPS outlook, driven by record purchase volume and loan growth, offset by higher credit provisions.
Sources (15)
- Synchrony Financial (SYF) Q2 2026 Earnings Call Highlights: Record Purchase Volume and ... (opens in a new tab) — GuruFocus.com
- Synchrony Financial: Card Holders Are Still Buying - So Should Stock Investors (opens in a new tab) — SeekingAlpha
- Synchrony Financial Q2 Earnings Call Highlights (opens in a new tab) — MarketBeat
- Synchrony Beats Q2 Earnings Estimates, Raises 2026 EPS Outlook (opens in a new tab) — Zacks
- Transcript: Synchrony Financial Q2 2026 Earnings Conference Call (opens in a new tab) — Benzinga
- Synchrony (SYF) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates (opens in a new tab) — Zacks
- Synchrony Financial (SYF) Q2 2026 Earnings Call Transcript (opens in a new tab) — SeekingAlpha
- Synchrony Financial (NYSE:SYF) Earnings Beat Overshadowed by Steep Revenue Decline, Stock Dips (opens in a new tab) — ChartMill
- Synchrony (SYF) Q2 Earnings Top Estimates (opens in a new tab) — Zacks
- Synchrony Financial (NYSE:SYF) Misses Q2 CY2026 Revenue Estimates (opens in a new tab) — StockStory
- Synchrony Financial Raises FY2026 GAAP EPS Guidance from $9.10-$9.50 to $9.25-$9.50 vs $9.34 Est (opens in a new tab) — Benzinga
- Synchrony Reports Second Quarter 2026 Results (opens in a new tab) — Yahoo
- Synchrony Finl Q2 EPS $2.59 Beats $2.12 Estimate, Sales $4.608B Beat $4.337B Estimate (opens in a new tab) — Benzinga
- Synchrony Financial 2026 Q2 - Results - Earnings Call Presentation (opens in a new tab) — SeekingAlpha
- Earnings per share: $2.59 vs $2.13 expected — above expectations. Revenue: $4.61B vs $4.38B expected. — Finnhub
Pre-market second reading after the results
Heading into the open, the figures don't clearly confirm the prior scenario.
How the stock reacted
- Consolidated
- -1.6%
- Max move
- +3.6%
No verdict: the outlook took no direction, so there is nothing to score as a hit or a miss.