Analyst Consensus ?
ConsensusHold26 ratings
Bullish1142.3%
Neutral1246.2%
Bearish311.5%
Synchrony Financial · SYF-PA · FY2025 Q4 · Calendar Q1 2026
Synchrony sees partner-led growth while monitoring credit and regulation
The quarter supports a constructive but conditional outlook: resilient purchase volume, improving credit metrics, and partner-led initiatives support growth, while regulation and consumer-credit sensitivity remain material constraints.
Reported Session unavailableNYSEFinancial Services
$25.10B market cap
75quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$2.04
Consensus $2.05
EPS surprise
-0.5%
Reported versus consensus
Reported revenue
$3.79B
Consensus $3.84B
Revenue surprise
-1.2%
Reported versus consensus
Market reaction
unavailable
Stock move
—
Event window
SPY move
—
Same window
Abnormal move
—
Stock minus SPY
Volume
—
Versus trailing sessions
Subsequent drift
—
Up to 20 sessions
Price and volume data were unavailable at publication time.
Ask FN2 about SYF-PA FY2025 Q4
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How did the market react to SYF-PA FY2025 Q4 earnings, and why?What changed in SYF-PA's guidance and outlook in FY2025 Q4?Give me the bull and bear case for SYF-PA after FY2025 Q4 earnings.
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Transcript intelligence
What changed
The company highlighted an exclusive Bob's Discount Furniture agreement, planned Walmart One Pay and Lowe's commercial expansion, broader Pay Later adoption, and increased AI and cloud investment.
Guidance delta
Guidance was maintained: 2026 targets mid-single-digit receivables growth and EPS of $9.10-$9.50.
Key takeaways
- Q4 purchase volume reached a record $49 billion, up 3% year over year.
- The 5.37% net charge-off rate returned to the 5.5%-6% target range.
- New partnerships and Pay Later expansion are central to the growth plan.
- Management expects 2026 receivables growth in the mid-single digits and EPS of $9.10-$9.50.
Management priorities
- Launch Bob's Discount Furniture financing mid-year.
- Scale Walmart One Pay and transition Lowe's commercial co-brand into the portfolio.
- Expand Pay Later across additional merchants and deepen co-brand integration.
- Invest in AI, cloud, and health-and-wellness technology while maintaining capital returns and liquidity.
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Try FN2 freeEarnings History
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Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| JP Morgan | Neutral | Neutral | Maintain | Oct 16, 2023 |
| JMP Securities | Market Outperform | Market Outperform | Maintain | Oct 15, 2023 |
| Citigroup | Buy | Buy | Maintain | Oct 5, 2023 |
| Morgan Stanley | Underweight | Underweight | Maintain | Oct 2, 2023 |
| RBC Capital | Sector Perform | Outperform | Downgrade | Sep 4, 2023 |
| UBS | Neutral | Neutral | Maintain | Jul 18, 2023 |
| Oppenheimer | Perform | Outperform | Downgrade | Jul 13, 2023 |
| B of A Securities | Neutral | Neutral | Maintain | Jun 12, 2023 |
| Credit Suisse | Outperform | Outperform | Maintain | May 17, 2023 |
| BMO Capital | Outperform | Outperform | Maintain | Apr 19, 2023 |
| Goldman Sachs | Buy | Buy | Maintain | Apr 4, 2023 |
| Wells Fargo | Equal Weight | Equal Weight | Maintain | Mar 30, 2023 |
| Keefe, Bruyette & Woods | Market Perform | Market Outperform | Downgrade | Mar 16, 2023 |
| Barclays | Equal Weight | Overweight | Downgrade | Jan 5, 2023 |
| Piper Sandler | Overweight | Overweight | Maintain | Sep 25, 2022 |
| Stephens & Co. | Equal Weight | Equal Weight | Maintain | Jul 18, 2022 |
| Wolfe Research | Underperform | Peer Perform | Downgrade | May 11, 2022 |
| Deutsche Bank | Buy | Buy | Maintain | Jan 31, 2021 |
| Nomura | Neutral | Neutral | Maintain | Apr 13, 2020 |
| CFRA | Strong Sell | Sell | Maintain | Apr 2, 2020 |
| Guggenheim | Neutral | Buy | Downgrade | May 2, 2017 |
| Wedbush | Neutral | Outperform | Downgrade | Dec 6, 2016 |
| Jefferies | Buy | Buy | Maintain | Jun 14, 2016 |
| Sterne Agee | Buy | Neutral | Upgrade | Nov 22, 2015 |
| Bernstein | Outperform | Outperform | Maintain | May 5, 2015 |
| BTIG | Buy | Neutral | Upgrade | Apr 19, 2015 |
Track every rating change on SYF-PA the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationSynchrony Financial, an established consumer financial services firm operating across the United States through its subsidiaries, delivers a comprehensive suite of credit and banking products. Its offerings include a variety of credit cards, such as private label, dual-branded, co-branded, and general-purpose options, alongside commercial credit solutions and both short- and long-term consumer installment loans. Beyond traditional lending, Synchrony provides a range of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts, accessible directly or via third-party brokerage firms.…
Historical context
All SYF-PA earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| KEY-PK KeyCorp | FY2026 Q3 · Calendar Q4 2026 | +10.5% | — | KeyCorp posts strong Q3 as deposits and loan demand support growth |
| KEY-PL KeyCorp | FY2026 Q3 · Calendar Q4 2026 | +10.5% | — | KeyCorp posts strong Q3 as deposits and commercial demand rise |
| KEY-PJ KeyCorp | FY2026 Q3 · Calendar Q4 2026 | +10.5% | — | KeyCorp reports record revenue as deposits and commercial lending strengthen |
| KEY-PI KeyCorp | FY2026 Q3 · Calendar Q4 2026 | +10.5% | — | KeyCorp posts record Q3 as deposits and commercial lending accelerate |
| KEY KeyCorp | FY2026 Q3 · Calendar Q4 2026 | +10.5% | +4.5% | KeyCorp Q3 revenue tops $2 billion as deposits and utilization strengthen |
| ALLY Ally Financial Inc. | FY2026 Q3 · Calendar Q4 2026 | +1.5% | +1.0% | Ally reports strong Q3 growth while monitoring credit quality |
Latest beats and misses
Who reports nextBeat on EPS
- HALFY2026 Q3 · October 20, 2026+2.7% EPS+1.8% move
- RTXFY2026 Q3 · October 20, 2026+27.0% EPS+0.6% move
- MMMFY2026 Q3 · October 20, 2026+5.0% EPS+5.8% move
- GPCFY2026 Q3 · October 20, 2026+1.5% EPS-5.1% move
- KEY-PKFY2026 Q3 · October 20, 2026+10.5% EPS— move
- KEY-PLFY2026 Q3 · October 20, 2026+10.5% EPS— move
Missed on EPS
- AGNCZFY2026 Q3 · October 19, 2026-0.6% EPS+0.3% move
- AGNCLFY2026 Q3 · October 19, 2026-0.6% EPS-0.3% move
- AGNCOFY2026 Q3 · October 19, 2026-0.6% EPS+0.3% move
- AGNCPFY2026 Q3 · October 19, 2026-0.6% EPS0.0% move
- AGNCMFY2026 Q3 · October 19, 2026-0.6% EPS-0.3% move
- STLDFY2026 Q3 · October 19, 2026-4.0% EPS-0.3% move
Get the SYF-PA recap when the next report posts
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Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-21. For educational purposes only; not investment advice.