SYF Synchrony Financial
Price Chart
Executive Summary
Synchrony Financial reported Q1 2026 earnings of $805 million, or $2.27 per diluted share, beating the prior year's $1.89. Revenue rose 4% to $4.6 billion, driven by higher loan yields and lower funding costs, while credit quality improved. The company also announced a $6.5 billion share buyback and a 13% dividend increase.
Actionable Insight
The strong earnings beat, coupled with the significant capital return announcement, signals strong confidence in future performance; monitor next quarter for sustained credit quality and margin expansion.
Key Facts
- Q1 2026 net earnings: $805M vs. $757M in Q1 2025
- Diluted EPS: $2.27 vs. $1.89, a 20.1% increase
- Net interest income: $4.635B vs. $4.464B, up 3.8%
- Provision for credit losses: $1.335B vs. $1.491B, down 10.5%
- Board approved $6.5B share repurchase program and 13% dividend increase
- Net charge-offs as % of loans: 5.42% vs. 6.38%, a 96 basis point improvement
Financial Impact
EPS beat by 20.1%, revenue up 3.8%, credit loss reserve release of $97M
Risk Factors
- Macro risks from inflation, interest rates, and consumer confidence
- Regulatory changes impacting credit product pricing
Market Snapshot
Documents Analyzed
This report is based on 9 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001601712-26-000013 |
| Document: earningsrelease1q26.htm | 0001601712-26-000013 |
| Document: syf-20260421.htm | 0001601712-26-000013 |
| Document: a1q26earningspresentatio.htm | 0001601712-26-000013 |
| Document: non-gaapmeasures1q26.htm | 0001601712-26-000013 |
| Document: 0001601712-26-000013-index-headers.html | 0001601712-26-000013 |
| Document: 0001601712-26-000013-index.html | 0001601712-26-000013 |
| Document: 0001601712-26-000013.txt | 0001601712-26-000013 |
| 8-K Data (Synthetic) | 0001601712-26-000013 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
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Jun 3, 2026
9d ago
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424B5
| $25.84 $25.76 | ▼ −0.31% | ▲ +2.29% | $73.36 (+183.90%) |
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Jun 2, 2026
10d ago
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424B5
| $26.01 $25.93 | ▼ −0.31% | ▲ +0.39% | $73.36 (+182.05%) |
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May 1, 2026
6w ago
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144
| $25.80 $25.79 | ▼ −0.04% | ▲ +0.30% | $73.36 (+184.29%) |
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May 1, 2026
6w ago
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Insider Cluster
| $75.12 $73.94 | ▼ −1.57% | ▼ −1.24% | $73.36 (−2.34%) |
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Apr 21, 2026
7w ago
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8-K
| $25.65 $26.28 | ▲ +2.47% | ▲ +1.45% | $73.36 (+186.03%) |
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Apr 21, 2026
7w ago
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8-K
| $25.65 $26.28 | ▲ +2.47% | ▲ +1.45% | $73.36 (+186.03%) |
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Mar 10, 2026
13w ago
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8-K
| $65.43 $64.99 | ▲ +0.67% | ▲ +0.57% | $73.36 (−12.12%) |
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Mar 2, 2026
14w ago
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Insider Cluster
| $68.61 $68.62 | ▼ −0.01% | ▼ −0.93% | $73.36 (−6.93%) |
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Feb 28, 2026
14w ago
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Institutional Cluster
| $68.61 $68.62 | ▲ +0.01% | ▲ +0.93% | $73.36 (+6.93%) |
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Feb 25, 2026
15w ago
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8-K
| $73.98 $69.04 | ▼ −6.68% | ▼ −6.22% | $73.36 (−0.84%) |
US Market Status
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