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Synchrony Financial (SYF)

Synchrony Financial (SYF)
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Realtime quote and/or trades are not sourced from all markets.

Market News and Commentary

Synchrony Financial: The Credit Card Cap Debate Will Overshadow Whatever the Numbers Say

Synchrony Financial reports first-quarter 2026 earnings before the bell on Monday, April 21, with analysts expecting $2.27 per share—a sharp 20% jump from the same quarter last year. The consumer finance giant faces a pivotal test: can it sustain the credit quality improvements and digital momentum that drove four consecutive earnings beats in 2025, or will rising delinquencies and a slowing consumer finally catch up to the nation's largest private-label credit card issuer?

Synchrony Financial operates as the largest pure-play private-label credit card issuer in the United States, financing $182 billion in annual purchase volume across 70.7 million active accounts through partnerships with retailers,...

Fundamentals

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  • Market Capitalization, $K 27,230,670
  • Shares Outstanding, K 347,596
  • Annual Sales, $ 23,121 M
  • Annual Income, $ 3,552 M
  • EBIT $ 5,426 M
  • EBITDA $ 5,940 M
  • 60-Month Beta 1.39
  • Price/Sales 1.16
  • Price/Cash Flow 6.35
  • Price/Book 1.68

Options Overview Details

View History
  • Implied Volatility 38.22% (+2.87%)
  • Historical Volatility 24.86%
  • IV Percentile 75%
  • IV Rank 40.97%
  • IV High 54.96% on 04/21/25
  • IV Low 26.61% on 12/26/25
  • Expected Move (DTE 25) 5.57 (7.09%)
  • Put/Call Vol Ratio 2.01
  • Today's Volume 6,164
  • Volume Avg (30-Day) 4,232
  • Put/Call OI Ratio 1.88
  • Today's Open Interest 60,020
  • Open Int (30-Day) 50,731
  • Expected Range 73.01 to 84.15

Analyst Rating / Earnings Estimates

Current Rating
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Moderate Buy
Based on 24 analysts offering recommendations.
Earnings Estimates - Current Qtr 03/31/26
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  • Average Estimate $2.27
  • Number of Estimates 7
  • High Estimate $2.53
  • Low Estimate $2.06
  • Prior Year $1.89
  • Growth Rate Est. (year over year) +20.11%

Price Performance

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Period Period Low Period High Performance
1-Month
64.95 +20.99%
on 03/27/26
79.33 -0.95%
on 04/20/26
+12.39 (+18.72%)
since 03/20/26
3-Month
63.08 +24.57%
on 03/12/26
79.52 -1.18%
on 01/22/26
+2.50 (+3.29%)
since 01/20/26
52-Week
46.13 +70.34%
on 04/22/25
88.77 -11.48%
on 01/09/26
+30.71 (+64.15%)
since 04/17/25

Most Recent Stories

More News
Synchrony Financial: The Credit Card Cap Debate Will Overshadow Whatever the Numbers Say

Barchart Research What to Expect from SYF Earnings SYF Generated April 20, 2026 Current Price $78.58 EPS Estimate $$2.27 Consensus Rating Moderate Buy Average Move 3.47% Synchrony Financial: The Credit...

SYF : 78.58 (+0.31%)
Synchrony Financial (SYF) Reports Q1: Everything You Need To Know Ahead Of Earnings

Synchrony Financial (SYF) Reports Q1: Everything You Need To Know Ahead Of Earnings

SYF : 78.58 (+0.31%)
Synchrony Financial, Enova, and Navient Shares Are Soaring, What You Need To Know

Synchrony Financial, Enova, and Navient Shares Are Soaring, What You Need To Know

SYF : 78.58 (+0.31%)
NAVI : 9.01 (+1.58%)
ENVA : 165.23 (+1.49%)
New RH Credit Card from Synchrony Helps Clients Move Confidently From Vision To Fully Realized Spaces

New Financing Program Extends the RH Experience With Financing Options Across Galleries, Outlets and RH.com

SYF : 78.58 (+0.31%)
RH : 142.69 (+1.17%)
Consumers' Vision Care Decisions Clouded by Costs, According to New Study from CareCredit, a Synchrony Solution

VisionIQ, a national consumer survey, reveals cost is a major barrier to vision products and services; 55% of patients are more likely to choose optometrists and ophthalmologists offering payment options...

SYF : 78.58 (+0.31%)
Q4 Earnings Highlights: Synchrony Financial (NYSE:SYF) Vs The Rest Of The Credit Card Stocks

Q4 Earnings Highlights: Synchrony Financial (NYSE:SYF) Vs The Rest Of The Credit Card Stocks

SYF : 78.58 (+0.31%)
Synchrony's CareCredit Credit Card Now Accepted on Walmart.com

CareCredit cardholders can now use their CareCredit credit card to pay for select health and wellness products on Walmart.com and at all Walmart and Sam's Club locations nationwide

SYF : 78.58 (+0.31%)
Synchrony Financial Earnings Preview: What to Expect

Synchrony Financial is poised to release its first-quarter results later this month, and analysts are projecting a double-digit earnings growth.

SYF : 78.58 (+0.31%)
XLF : 52.63 (+0.38%)
$SPX : 7,109.14 (-0.24%)
Synchrony Puts Teachers First This Financial Literacy Month with $2 Million Commitment to Bring Training, Tools, and Financial Literacy Labs to U.S. High Schools

Company accelerates investment in personal finance education in classrooms nationwide

SYF : 78.58 (+0.31%)
Synchrony Named No. 1 Best Company to Work For in the U.S., Powered by a High-Trust Culture that Fuels Innovation

Top employer recognition by Fortune and   Great Place To Work® spotlights Synchrony's employee-first workplace built on trust, accelerating innovation and business performance  

SYF : 78.58 (+0.31%)

Barchart Technical Opinion

The Barchart Technical Opinion rating is a 24% Buy with a Average short term outlook on maintaining the current direction.

Long term indicators fully support a continuation of the trend.

Relative Strength is above 70%. The market is in overbought territory. Watch for a potential trend reversal.

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Business Summary

Synchrony Financial, one of the nation's premier consumer financial services companies, offers a wide range of credit products through a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and health and wellness providers. Synchrony...

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Key Turning Points

3rd Resistance Point 81.24
2nd Resistance Point 80.29
1st Resistance Point 79.43
Last Price 78.58
1st Support Level 77.62
2nd Support Level 76.67
3rd Support Level 75.81

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52-Week High 88.77
Last Price 78.58
Fibonacci 61.8% 72.48
Fibonacci 50% 67.45
Fibonacci 38.2% 62.42
52-Week Low 46.13

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