Seeking Alpha·Sep 14, 2026
Synchrony Financial (SYF) Presents at Barclays 24th Annual Global Financial Services Conference TranscriptSynchrony Financial (SYF) Presents at Barclays 24th Annual Global Financial Services Conference Transcript
Synchrony Financial's earnings growth is decelerating as the tailwind from higher interest rates fades, with NII growth slowing to 1.9% in 2026Q2 and NIM stabilizing in the 3.7%-4.0% range. While the company maintains robust cash generation with an OCF/NI rati...
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Net interest income growth has decelerated sharply from 8.7% in 2024Q1 to 1.9% in 2026Q2, while the net interest margin has plateaued between 3.7% and 4.0%, suggesting the peak benefit from the rate cycle has passed.
Intrinsic value estimates place SYF at $122.23, a 44% premium over its current price of $68.85. The stock trades at a P/E of 7.8x, below industry averages, and a PEG under 1, indicating strong value upside.
Consensus ratings skew heavily toward 'Buy' or 'Strong Buy', with few sell recommendations. Analysts project earnings growth for the coming year, reinforcing confidence.
The Walmart partnership is the fastest-growing program launch in SYF’s history, and CareCredit is now accepted on Walmart.com. Partnerships with Lowe’s and Amazon’s buy‑now‑pay‑later segment are expected to fuel loan growth.
Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 21, 2026 | $2.59+21.0% vs $2.14 | $3.7B-0.2% vs $3.7B |
Q2 2026 Apr 21, 2026 | $2.27+3.2% vs $2.20 | $3.7B-2.4% vs $3.8B |
Q1 2026 Jan 27, 2026 | $2.07+1.0% vs $2.05 | $3.8B-1.2% vs $3.8B |
Q4 2025 Oct 15, 2025 | $2.86+26.5% vs $2.26 | $4.8B+27.3% vs $3.8B |
Synchrony Financial (SYF) Presents at Barclays 24th Annual Global Financial Services Conference Transcript
STAMFORD, Conn., Sept. 8, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF) Chief Financial Officer, Brian J.
B. Metzler seel. Sohn and Co. AG lessened its holdings in Synchrony Financial (NYSE: SYF) by 35.3% during the second quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The fund owned 36,565 shares of the financial services provider's stock after selling 19,990 shares during the period.
Consumers are still doing OK, but the people facing material financial strain are really struggling.
Benchmark SYF against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Synchrony Financial (SYF)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $72.67 | $23.64B | 7.82 | -7.09% | 23.71% | 21.3% | 1.64% | |
| $200.55 | $123.03B | 49.76 | 36.62% | 13.38% | 9.28% | — | |
| $102.69 | $4.15B | 9.37 | 0.18% | 11.95% | 17.04% | — | |
| $39.07 | $11.89B | 16.49 | -35.42% | 9.18% | 9.42% | — | |
| $555.89 | $491.17B | 33.65 | 16.53% | 46.34% | 232.28% | — | |
| $362.04 | $675.95B | 35.49 | 11.69% | 50.78% | 61.26% | — |
Synchrony Financial (SYF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Synchrony Financial (SYF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Aug 17, 2026·SEC
Jul 31, 2026·SEC
Jul 21, 2026·SEC
Feb 6, 2026·SEC
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Synchrony Financial (SYF) stock FAQ — growth, dividends, profitability & financials explained
Synchrony Financial (SYF) saw revenue decline by 7.1% over the past year.
Yes, Synchrony Financial (SYF) is profitable, generating $3.52B in net income for fiscal year 2025 (23.7% net margin).
Yes, Synchrony Financial (SYF) pays a dividend with a yield of 1.64%. This makes it attractive for income-focused investors.
Synchrony Financial (SYF) has a return on equity (ROE) of 21.3%. This is excellent, indicating efficient use of shareholder capital.
Synchrony Financial (SYF) has a net interest margin (NIM) of 15.5%. This indicates healthy earnings from lending activities.
Synchrony Financial (SYF) has an efficiency ratio of 34.3%. This is excellent, indicating strong cost control.
