SYF
Synchrony Financial
Price as of Jul 20, 2026
SYF earnings
Synchrony Financial earnings
Reported EPS and revenue history, upcoming estimates and available earnings-call summaries.
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 21, 2026 | $2.22 | $2.27 | +2.3% | $3.7B | -2.4% |
| Jan 27, 2026 | $2.01 | $2.18 | +8.5% | $4.8B | +25.8% |
| Oct 15, 2025 | $2.26 | $2.86 | +26.5% | $4.8B | +27.3% |
| Jul 22, 2025 | $1.82 | $2.50 | +37.4% | $4.7B | +27.1% |
| Apr 22, 2025 | $1.67 | $1.89 | +13.2% | $5.7B | +51.0% |
| Jan 28, 2025 | $1.93 | $1.91 | -1.0% | $3.8B | -0.7% |
| Oct 16, 2024 | $1.79 | $1.94 | +8.4% | $3.8B | +1.4% |
| Jul 17, 2024 | $1.35 | $1.55 | +14.8% | $4.9B | +33.1% |
| Jan 23, 2024 | $0.93 | $1.03 | +10.8% | $3.7B | -18.1% |
| Jul 18, 2023 | $1.24 | $1.32 | +6.5% | $3.3B | -23.2% |
| Apr 19, 2023 | $1.46 | $1.35 | -7.5% | $3.2B | -19.5% |
| Jan 23, 2023 | $1.11 | $1.26 | +13.5% | $3.1B | +1.4% |
Earnings call summary
Q1 FY2026 · April 21, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
Brian Doubles mentioned that Synchrony started the year with strong momentum, delivered record first quarter purchase volume, and customers engaged across the diversified portfolio. Synchrony executed across key strategic priorities, adding or renewing more than 15 partners, broadened distribution of CareCredit financing, and continued to enhance the utility of CareCredit. Brian Wentzel discussed financial performance details such as net interest income, net interest margin, provision for credit losses, and other expense, and also talked about capital ratios, share repurchase programs, etc.
Guidance
Synchrony continues to expect accelerated growth in purchase volume and average active accounts, mid - single - digit growth in ending loan receivables by year end, interest income to grow in 2026, net charge - offs to be less than 5.5% for the full year, RSA to increase but remain within the long - term range of 4% to 4.5% of average receivables, and other expense growth to trend in line with loan receivables. Synchrony remains on track to deliver between $9.10 and $9.50 in diluted earnings per share.
Segment performance
Synchrony generated $43 billion of purchase volume, a first - quarter record, and a 6% increase compared to last year. Ending loan receivables were flat at $100 billion, though there was a positive inflection with an increase of approximately $477 million at the end of the first quarter. Co - branded credit cards, including dual cards, accounted for 51% of total purchase volume in the first quarter and increased 20% versus last year. Diversified and valued purchase volume grew 9%, digital platform purchase volume increased 8%, lifestyle purchase volume increased 7%, health and wellness purchase volume was 3% higher, and home and auto purchase volume was flat.
Earnings history is derived from company filings and calendar data. Call summaries are grouped by reporting period. Latest covered event: 2026-07-21.