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Synchrony Financial (SYF) earnings

Synchrony Financial· Financials

Results to
Sep 2026
Latest analysed call
Sep 2026 (Q3 FY26)
Balance sheet to
Dec 2025

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Synchrony Financial earnings: last reported Tue, 20 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
RevenueUnavailable—Quarterly, as filedQuarter to Sep 2026Not in the filed figures for the quarter to sep 2026. No older figure is substituted.
Operating marginUnavailable—Operating profit / revenueQuarter to Sep 2026Not in the filed figures for the quarter to sep 2026. No older figure is substituted.
Net profit892 $ million−17.2% YoYQuarterly, as filedQuarter to Sep 2026Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Sep 2026

Guidance

What management said, and what became of it

9 of 12 judged targets kept · 17 open · verdicts reflect calls analysed to Jun 2026.

Synchrony Financial management guidance track record on Inve: 29 targets tracked across analysed earnings calls (9 achieved, 3 missed, 17 open).

TargetOriginal wordingSaidLatest callVerdict
Launch of the Bob's Discount Furniture credit programexpected to launch midyearDec 2025Jun 2026:which related to not only Walmart, but yet Bobs, you got some other portfolios that kind of come through
Call transcript, Jun 2026 · no direct link		Achieved
Full-year diluted earnings per share$9.10 to $9.50Dec 2025Jun 2026:we now expect to deliver between $9.25 and $9.50 in diluted earnings per share
Call transcript, Jun 2026 · no direct link		Revised Up
Full-year ending loan receivables growthmid-single-digit growthDec 2025Jun 2026:This growth should more than offset the impact of elevated payment rate to deliver mid-single-digit growth in ending loan receivables by year-end
Call transcript, Jun 2026 · no direct link		On Track

Source: Inve Guidance Tracker for Synchrony Financial · to Jun 2026

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

3 of Synchrony Financial's 29 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 26 more targets are in the full ledger.

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Price

$73.64 −1.93% · −$1.45

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +0.9% 1Y

$70.0$80.0$90.0Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Mar 2026 (Q1 FY26) — 21 Apr 2026Jun 2026 (Q2 FY26) — 21 Jul 2026Sep 2026 (Q3 FY26) — 20 Oct 2026

1Y: $73.01 on 22 Oct 2025 → $73.64. High $88.47 (6 Jan 2026), low $63.78 (13 Mar 2026).

Previous close
$75.09
52-week range
$63.78 – $88.47
One year
+0.55%

Overview

Symbol
SYF
Exchange
US
Currency
USD

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