Synchrony Financial
SYFNYSEFinancial Services● Active
$70.35
$-0.49(-0.69%)
Market Cap$23.7B
P/E Ratio—
52W High$88.77
52W Low$56.975
Synchrony Financial (SYF) Earnings: Dates, EPS & Revenue History
Quarterly EPS vs. estimates, revenue surprises, next earnings date, and analyst consensus.
SYF · earnings · updated Jun 8, 2026
Latest Earnings
Q2 FY2026Report Date: Apr 21, 2026EPS Actual
$2.27
Est. $2.22 · +2.3%
Revenue
$3.70B
Est. $3.79B · -2.4%
Fiscal Period
Q2 FY2026
FY ends December
Report Date
Apr 21, 2026
After Market Close
▲ Beat EPS▼ Miss Revenue🔥 5-Quarter EPS Beat Streak
SYF reports quarterly as a NYSE-listed Financial - Credit Services company. Fiscal year ends in December. Data: FMP · Updated hourly.
Next Earnings Date
Days Away
85
days
Expected Date
Sep 1, 2026
Fiscal Period
Q3 FY2026
Release Time
◌ Time TBD (Unconfirmed)EPS Est.
—
Rev. $0.27B
Days Away85
Expected DateSep 1, 2026
Fiscal PeriodQ3 FY2026
Release TimeTime TBD (Unconfirmed)
EPS Est.—
Rev. Est.$0.27B
EPS & Revenue vs. Estimates
Actual (Beat)
Actual (Miss)
Estimated
Earnings History
| Period | Report Date | EPS Est. | EPS Actual | EPS Surpr. | Revenue | Rev. Est. | Rev. Surpr. |
|---|---|---|---|---|---|---|---|
| ◌ Q3 FY2026 | Jul 21, 2026 | $2.09 | — | — | — | $3.74B | — |
| ▲ Q2 FY2026 | Apr 21, 2026 | $2.22 | $2.27 | +2.3% | $3.70B | $3.79B | -2.4% |
| — Q1 FY2026 | Jan 27, 2026 | $2.05 | $2.07 | +1.0% | $3.79B | $3.84B | -1.2% |
| ▲ Q4 FY2025 | Oct 15, 2025 | $2.26 | $2.86 | +26.6% | $4.83B | $3.80B | +27.3% |
| ▲ Q3 FY2025 | Jul 22, 2025 | $1.82 | $2.50 | +37.4% | $4.71B | $3.71B | +27.1% |
| ▲ Q2 FY2025 | Apr 22, 2025 | $1.67 | $1.89 | +13.2% | $5.70B | $3.78B | +51.0% |
| ▼ Q1 FY2025 | Jan 28, 2025 | $1.93 | $1.91 | -1.0% | $3.80B | $3.83B | -0.7% |
| ▲ Q4 FY2024 | Oct 16, 2024 | $1.79 | $1.94 | +8.4% | $3.81B | $3.76B | +1.4% |
Q3 FY2026
Jul 21, 2026
EPS Actual
—
EPS Est.
$2.09
EPS Surpr.
—
Revenue
—
Q2 FY2026
Apr 21, 2026Beat
EPS Actual
$2.27
EPS Est.
$2.22
EPS Surpr.
+2.3%
Revenue
$3.70B
Q1 FY2026
Jan 27, 2026
EPS Actual
$2.07
EPS Est.
$2.05
EPS Surpr.
+1.0%
Revenue
$3.79B
Q4 FY2025
Oct 15, 2025Beat
EPS Actual
$2.86
EPS Est.
$2.26
EPS Surpr.
+26.6%
Revenue
$4.83B
Q3 FY2025
Jul 22, 2025Beat
EPS Actual
$2.50
EPS Est.
$1.82
EPS Surpr.
+37.4%
Revenue
$4.71B
Q2 FY2025
Apr 22, 2025Beat
EPS Actual
$1.89
EPS Est.
$1.67
EPS Surpr.
+13.2%
Revenue
$5.70B
Q1 FY2025
Jan 28, 2025Miss
EPS Actual
$1.91
EPS Est.
$1.93
EPS Surpr.
-1.0%
Revenue
$3.80B
Q4 FY2024
Oct 16, 2024Beat
EPS Actual
$1.94
EPS Est.
$1.79
EPS Surpr.
+8.4%
Revenue
$3.81B
Analyst Estimates
EPS Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2028 | $3.02 | $3.13 | $3.20 | 5 |
| Q3 FY2028 | $3.36 | $3.48 | $3.56 | 10 |
| Q2 FY2028 | $2.58 | $2.67 | $2.73 | 7 |
| Q1 FY2028 | $3.02 | $3.12 | $3.19 | 5 |
| Q4 FY2027 | $2.51 | $2.60 | $2.66 | 4 |
| Q3 FY2027 | $2.84 | $2.94 | $3.01 | 8 |
Revenue Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2028 | $4.2B | $4.3B | $4.4B | 3 |
| Q3 FY2028 | $4.1B | $4.2B | $4.2B | 5 |
| Q2 FY2028 | $4.0B | $4.1B | $4.2B | 3 |
| Q1 FY2028 | $4.0B | $4.1B | $4.2B | 3 |
| Q4 FY2027 | $4.1B | $4.2B | $4.3B | 4 |
| Q3 FY2027 | $4.0B | $4.1B | $4.2B | 5 |
Earnings Price Reaction
Closing price one trading day before vs. one trading day after each earnings release.
| Period | Report Date | EPS Beat/Miss | Price Before | Price After | 1D Reaction |
|---|---|---|---|---|---|
| ▲ Q2 FY2026 | Apr 21, 2026 | +2.3% | $78.58 | $77.63 | -1.21% |
| ▲ Q1 FY2026 | Jan 27, 2026 | +1.0% | $77.51 | $73.00 | -5.82% |
| ▲ Q4 FY2025 | Oct 15, 2025 | +26.6% | $72.84 | $72.32 | -0.71% |
| ▲ Q3 FY2025 | Jul 22, 2025 | +37.4% | $69.44 | $70.66 | +1.76% |
| ▲ Q2 FY2025 | Apr 22, 2025 | +13.2% | $47.23 | $48.56 | +2.82% |
| ▼ Q1 FY2025 | Jan 28, 2025 | -1.0% | $69.84 | $66.66 | -4.55% |
| ▲ Q4 FY2024 | Oct 16, 2024 | +8.4% | $53.29 | $56.52 | +6.06% |
| ▲ Q3 FY2024 | Jul 17, 2024 | +14.8% | $51.71 | $52.22 | +0.99% |
Q2 FY2026-1.21%
Report Date
Apr 21, 2026
EPS Beat/Miss
+2.3%
Price Before
$78.58
Price After
$77.63
Q1 FY2026-5.82%
Report Date
Jan 27, 2026
EPS Beat/Miss
+1.0%
Price Before
$77.51
Price After
$73.00
Q4 FY2025-0.71%
Report Date
Oct 15, 2025
EPS Beat/Miss
+26.6%
Price Before
$72.84
Price After
$72.32
Q3 FY2025+1.76%
Report Date
Jul 22, 2025
EPS Beat/Miss
+37.4%
Price Before
$69.44
Price After
$70.66
Q2 FY2025+2.82%
Report Date
Apr 22, 2025
EPS Beat/Miss
+13.2%
Price Before
$47.23
Price After
$48.56
Q1 FY2025-4.55%
Report Date
Jan 28, 2025
EPS Beat/Miss
-1.0%
Price Before
$69.84
Price After
$66.66
Q4 FY2024+6.06%
Report Date
Oct 16, 2024
EPS Beat/Miss
+8.4%
Price Before
$53.29
Price After
$56.52
Q3 FY2024+0.99%
Report Date
Jul 17, 2024
EPS Beat/Miss
+14.8%
Price Before
$51.71
Price After
$52.22
Avg Beat Reaction+0.56%
Avg Miss Reaction-4.55%
Beat Rate7 / 8 quarters
Largest Move+6.06% (Q4 FY2024)
Data: FMP /historical-price-eod/full · field: close
About Earnings & Data Methodology
Data source: Financial Modeling Prep (FMP) | Updated: Hourly | Surprise%: (Actual − Estimate) / |Estimate| × 100 | Fiscal year: SYF ends December
Synchrony Financial (SYF) most recently reported earnings on April 21, 2026 for Q2 FY2026, posting EPS of $2.27 — beating the analyst consensus of $2.22 by +2.3%. SYF has beaten EPS estimates for 5 consecutive quarters. The next SYF earnings date is expected around September 1, 2026.
Each quarter, investors track SYF earnings for signals on forward guidance and business momentum. For longer-term revenue trends, see the Revenue tab. SYF revenue tab →
Earnings Glossary
EPS (Earnings Per Share)
Net income ÷ diluted shares outstanding. The primary metric analysts use to gauge quarterly profitability.
Earnings Surprise %
(Actual − Estimate) / |Estimate| × 100. Positive = Beat. Negative = Miss.
Beat / Miss / In-Line
Beat = Actual ≥ Estimate. Miss = Actual < Estimate. In-Line = within ±1%.
BMO / AMC
Before Market Open / After Market Close. Two windows when companies typically release results.
Fiscal Quarter
SYF's fiscal year ends in December. Fiscal quarters may not align with calendar quarters.
Analyst Consensus
Average EPS/Revenue forecast across all covering analysts. More analysts = more reliable estimate.
Figures tie to FMP earnings calendar, estimates, and SEC 10-Q/10-K filings where noted.
Frequently asked questions
SYF earnings · 5 questionsSynchrony Financial's next earnings report is expected around September 1, 2026. SYF typically reports quarterly — approximately every three months. The exact date is confirmed by the company 2–4 weeks before the release. Time is currently TBD; SYF historically reports after market close (AMC).
SYF earnings datewhen is SYF earningsSYF next earnings datewhen does SYF report earningsSYF earnings calendar
▸ Source: FMP · Synchrony Financial SEC filings · US GAAP · Synchrony Financial SEC 10-K & 10-Q filings · US GAAP · Updated: Jun 8, 2026