Synchrony Financial
SYF - Insider Information
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+ FollowMarket Cap$23.73B
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Earnings Call Q3 2026
October 20, 2026 - AI Summary
Strong Q3 performance; record purchase volume and solid credit
- Net earnings: $892m ($2.68/share, diluted)
- ROAA: 2.9%; RO TCE: 25.2%; TBV/share: +6%
- Purchase volume: ~$50B, +8% YoY (also stated as the highest Q3 level in company history and second straight quarter near this level)
- Loan receivables: $103B, +3%; growth described as accelerating
- Credit quality remained strong: Net charge-off rate 4.79% (down 37 bps vs 5.16% last year); 90+ and 30+ delinquencies in line with prior year
- Allowance for credit losses: 10.01% of loan receivables, down ~34 bps vs last year
Guidance / outlook: 2026 EPS raised to top end; expects continued strong credit but pay-rate headwind
- Full-year 2026 diluted EPS outlook: ~$9.50 (management expects ~$9.50, “high end” of the original range)
- Loan growth (year-end): mid single digits
- Net interest income: expected to increase
- Net charge-offs: < 5.5% with delinquencies/losses following normal seasonality
- RSAs (risk, service assets / operating metric): expected higher than previously but still within long-term target ~4%–4.5% of avg receivables
- Other expense (Q4): generally expected in line with Q3 (still investing for future capability/growth)
Operating drivers: volume growth broad-based; co-brand and younger cohorts expanding; digital modest growth
- 5 sales platform strength:
- Diversified & Value purchase volume: +13% YoY (partner expansion + higher gas prices)
- In Home & Auto: +9% YoY (new programs/select furniture + gas price impact)
- Lifestyle: +6% YoY (e.g., apparel/luxury + new programs)
- Digital platform sales: +5%
- Health & Wellness: +3% (notably Pet growth)
- Co-brand card spend: ~53% of spend through Synchrony co-branded cards; those cards +23% YoY
- Gen Z / millennials: spend growth is “fastest” in younger demographics (especially Diversified & Value, Digital, Home & Auto)
- Prism underwriting & analytics highlighted as enabling responsible lending to credit-ready customers earlier in their financial journeys
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$176.60
144.4% upside
Current Fair Value
144.4% upsideUndervalued by 144.4% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $23.73 Billion |
|---|---|
| Enterprise Value | $24.85 Billion |
| Annual dividend | $1.28 |
| Dividend yield | 1.77% |
| Earnings per Share | $9.35 |
| Beta | 1.4 |
| Outstanding Shares | 319,000,000 |
Return
| Return on Equity | 20.14% |
|---|---|
| Return on Assets | 2.72% |
| Return on Invested Capital | 5.70% |
Valuation & Multiples
| P/E Ratio | 7.46 |
|---|---|
| PEG | -39.78 |
| Price to Sales | 1.11 |
| Price to Book Ratio | 1.42 |
| Enterprise Value to Revenue | 1.19 |
| Enterprise Value to EBIT | 3.56 |
| Enterprise Value to Net Income | 7 |
| Total Debt to Enterprise | 0.69 |
| Debt to Equity | 1.03 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 21, 2026
EPS Estimate
$2.38
Consensus analyst estimateRevenue Estimate
$3.82 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 26, 2027
EPS Estimate
$2.00
Consensus analyst estimateRevenue Estimate
$3.90 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.73, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.7317▲ 5.52% |
|---|---|
| Total Calls | 4,100▼ 99.69% |
| Total Puts | 3,000▼ 99.66% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 17.33%▼ 84.13% |
|---|---|
| Total Invested | $4.09B▼ 84.52% |
| Investors Holding | 492▼ 550.00% |
About Synchrony Financial
16,500 employees
CEO: Alberto Casellas
Synchrony Financial, through its various subsidiaries, operates as a prominent provider of financial services to consumers across the United States. Its core business revolves around offering a diverse portfolio of credit solutions. This...