Synchrony Financial (SYF) earnings history
Most recent quarter
- Fiscal period
- Q2 2026
- Period end
- Jun 30, 2026
- EPS actual
- $2.59
- EPS estimate
- $2.14
- EPS surprise
- +21.19%
- Revenue surprise
- −0.21%
- Revenue
- $3.7B
- Revenue estimate
- $3.7B
- Reported
- Jul 21, 2026
Synchrony reported Q2 2026 results on July 21, 2026. Earnings per share came in at $2.59, ahead of the $2.14 estimate by 21.19%. Revenue was $3.7 billion, 0.21% below the consensus. Compared with Q2 2025, EPS rose about 3.6% from $2.50 and revenue edged up from $3.6 billion.
Annual EPS fell from $6.10 in 2022 to $5.18 in 2023, then rose to $6.58 in 2024 and $9.29 in 2025. The first half of 2026 adds up to $4.86, about 11% more than a year earlier. The high in the table is Q3 2025, at $2.86 per share, and the low is Q4 2023, at $1.03. Revenue grew from $2.5 billion in Q3 2021 to a range of $3.6 to $3.8 billion since Q2 2024. Q1 2024 stands out at $4.8 billion, well above its $3.9 billion estimate. Over the last 20 quarters, Synchrony beat the EPS estimate 16 times. Its largest beat was Q2 2025, at 37.57%.
Synchrony reported Q3 between October 15 and October 25 in each of the past five years. That points to mid- to late October 2026 for the next report. It will show whether the year-over-year EPS gains of the first half continue.
Earnings history
| Period | Reported | EPS estimate | EPS actual | Surprise | Revenue | Filing |
|---|---|---|---|---|---|---|
| Q2 2026 | Jul 21, 2026 | $2.14 | $2.59 | +21.19% | $3.7B | SEC |
| Q1 2026 | Apr 21, 2026 | $2.20 | $2.27 | +3.23% | $3.7B | SEC |
| Q4 2025 | Jan 27, 2026 | $2.05 | $2.04 | −0.49% | $3.8B | SEC |
| Q3 2025 | Oct 15, 2025 | $2.26 | $2.86 | +26.38% | $3.8B | SEC |
| Q2 2025 | Jul 22, 2025 | $1.82 | $2.50 | +37.57% | $3.6B | SEC |
| Q1 2025 | Apr 22, 2025 | $1.67 | $1.89 | +12.86% | $3.7B | SEC |
| Q4 2024 | Jan 28, 2025 | $1.93 | $1.91 | −1.04% | $3.8B | SEC |
| Q3 2024 | Oct 16, 2024 | $1.81 | $1.94 | +7.30% | $3.8B | SEC |
| Q2 2024 | Jul 17, 2024 | $1.35 | $1.55 | +15.08% | $3.7B | SEC |
| Q1 2024 | Apr 24, 2024 | $1.34 | $1.18 | −11.85% | $4.8B | SEC |
| Q4 2023 | Jan 23, 2024 | $0.93 | $1.03 | +10.57% | $3.7B | SEC |
| Q3 2023 | Oct 24, 2023 | $1.43 | $1.48 | +3.16% | $3.5B | SEC |
| Q2 2023 | Jul 18, 2023 | $1.25 | $1.32 | +6.00% | $3.3B | SEC |
| Q1 2023 | Apr 19, 2023 | $1.42 | $1.35 | −5.23% | $3.2B | SEC |
| Q4 2022 | Jan 23, 2023 | $1.11 | $1.26 | +13.25% | $3.1B | SEC |
| Q3 2022 | Oct 25, 2022 | $1.39 | $1.47 | +5.56% | $2.9B | SEC |
| Q2 2022 | Jul 18, 2022 | $1.41 | $1.60 | +13.88% | $2.9B | SEC |
| Q1 2022 | Apr 18, 2022 | $1.53 | $1.77 | +15.87% | $2.8B | SEC |
| Q4 2021 | Jan 28, 2022 | $1.48 | $1.48 | +0.30% | $2.7B | SEC |
| Q3 2021 | Oct 19, 2021 | $1.51 | $2.00 | +32.84% | $2.5B | SEC |
Quarterly revenue
Frequently asked questions
When did Synchrony Financial (SYF) last report earnings?
Synchrony Financial last reported on Jul 21, 2026, covering fiscal Q2 2026.
Did SYF beat earnings estimates?
Yes. Synchrony Financial reported EPS of $2.59 for Q2 2026 against a $2.14 estimate — a 21.19% beat.
How much revenue did SYF report last quarter?
Synchrony Financial reported $3.7B in revenue for Q2 2026, against a consensus estimate of $3.7B.
Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.
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