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 5.2/10.
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: 4.5%
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
- $75.36
- Price target
- $78.79
- Stop
- $71.50
- Upside to target
- +4.6%
- Reward-to-risk
- 0.6:1
At 7.9× trailing and 7.2× forward earnings, consensus estimates imply little change in earnings power.
Model outputs from TrendMatrix’s engine as of 2026-10-29 — 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
- $24.52B
- P/E (fwd)
- 7.2
- P/E (ttm)
- 7.9
- 52-week range
- $63.08–$88.77
- Off 52-week high
- 15.1%
- RSI (14)
- 56
- Volume vs avg
- 0.90×
- Score today
- 5.2/10