Synchrony Financial · SYF · Next earnings

Synchrony Financial reports Tuesday, Jan 26, 2027

SYF reports before market open with consensus EPS at $1.98 and revenue at $3.90B. Last quarter: Synchrony Maintains $9.50 EPS Guidance as Payment Rates Rise

Reports Before market open82 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $1.98 Calendar consensus
Consensus revenue $3.90B Calendar consensus
Report date Jan 26, 2027 Tuesday, date estimated
Session Before market open 82 days away

Where SYF left off: FY2026 Q3

Full report

Synchrony Maintains $9.50 EPS Guidance as Payment Rates Rise

EPS surprise +10.7% Reported $2.68 vs $2.42
Revenue surprise +29.1% Reported $4.91B vs $3.81B
Stock move -1.2% Event window
Subsequent drift 0.0% Up to 20 sessions

Full-year diluted EPS guidance was maintained at $9.50, the top end of the prior range.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • A 60-basis-point year-over-year increase in payment rates may compress margins and loan yield.
  • Higher operating expenses and RSA could weigh on the efficiency ratio.
  • Reserve and loss trends, inflation and interest rates create uncertainty for future credit performance.

Questions analysts left open

  • How reserves and allowances affect the Q4 EPS bridge.
  • Whether rising payment rates pressure loan growth, margins and credit quality.
  • The pace of digital-platform growth and the timing of technology and loss-mitigation efforts.

Ask FN2 about SYF next report

Transcript, numbers and history already loaded
What should I watch for in SYF's next earnings report?How did SYF guide last quarter, and is consensus above or below that?Give me the bull and bear case going into SYF earnings.

Free account. Your question opens in FN2 with this report's transcript and numbers attached.

Get the SYF recap when the next report posts

One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.

Recent SYF quarters

All SYF earnings
-1.2%FY2026 Q3-1.6%FY2026 Q2-1.2%FY2026 Q1-5.8%FY2025 Q4

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.