Synchrony Financial (SYF) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $2.68
- Estimate
- $2.40
- Surprise
- +11.4%
- Revenue (period 2026-09-30)
- $3.82B
- Score at report (before → after)
- 5.6 → 5.3/10
Revenue source: yfinance_provisional (provisional — SEC XBRL not yet filed for this period).
How the report landed
Synchrony Financial (SYF) beat the $2.40 estimate with adjusted EPS of $2.68 — a large 11.4% upside surprise. TrendMatrix's engine moved from Hold (5.6/10) to Sell at 5.3/10 after the report — the engine's score fell despite the beat.
Where TrendMatrix's rating stands now
TrendMatrix currently rates SYF Hold at 4.8/10.
4 of the last 4 quarters beat the estimate; this quarter's +11.4% surprise compares with a +11.6% four-quarter average. Next scheduled report: 2027-01-26.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Strong earnings beat streak (4/4)
What argues against it
- Concentration risk — Customer: five largest programs (54.0%)
- Concentration risk — Geographic: United States
- Thin upside margin: 8.7%
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $72.01
- Price target
- $78.30
- Stop
- $67.77
- Upside to target
- +8.7%
- Reward-to-risk
- 1.3:1
At 7.6× trailing and 7.0× forward earnings, consensus estimates imply little change in earnings power.
Model outputs from TrendMatrix’s engine as of 2026-11-10 — shown for context, not personalized investment advice.
SYF at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Credit Services
- Market cap
- $23.82B
- P/E (fwd)
- 7.0
- P/E (ttm)
- 7.6
- 52-week range
- $63.08–$88.77
- Off 52-week high
- 18.9%
- RSI (14)
- 43
- Volume vs avg
- 0.43×
- Score today
- 4.8/10