# Synchrony Financial (SYF) — Earnings

SYF · NYSE · Stock

Canonical page: https://www.lighthorse.io/tickers/syf/earnings

## Most recent quarter

| Metric | Value |
| --- | --- |
| 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 |
| SEC filing | [View filing](https://www.sec.gov:443/Archives/edgar/data/1601712/000160171226000033/syf-20260630.htm) |
| Earnings call | [Transcript](http://o.thsi.cn/dc-d-stock-america.teleconference/dc4b353f-e6fe-5ce0-2cb4-f9cba715860c.html) |

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

| Fiscal period | Report date | EPS estimate | EPS actual | Surprise | Revenue estimate | Revenue actual |
| --- | --- | --- | --- | --- | --- | --- |
| Q2 2026 | Jul 21, 2026 | $2.14 | $2.59 | 21.19% | $3.7B | $3.7B |
| Q1 2026 | Apr 21, 2026 | $2.20 | $2.27 | 3.23% | $3.8B | $3.7B |
| Q4 2025 | Jan 27, 2026 | $2.05 | $2.04 | -0.49% | $3.8B | $3.8B |
| Q3 2025 | Oct 15, 2025 | $2.26 | $2.86 | 26.38% | $3.8B | $3.8B |
| Q2 2025 | Jul 22, 2025 | $1.82 | $2.50 | 37.57% | $3.7B | $3.6B |
| Q1 2025 | Apr 22, 2025 | $1.67 | $1.89 | 12.86% | $3.8B | $3.7B |
| Q4 2024 | Jan 28, 2025 | $1.93 | $1.91 | -1.04% | $3.8B | $3.8B |
| Q3 2024 | Oct 16, 2024 | $1.81 | $1.94 | 7.30% | $3.8B | $3.8B |
| Q2 2024 | Jul 17, 2024 | $1.35 | $1.55 | 15.08% | $3.7B | $3.7B |
| Q1 2024 | Apr 24, 2024 | $1.34 | $1.18 | -11.85% | $3.9B | $4.8B |
| Q4 2023 | Jan 23, 2024 | $0.93 | $1.03 | 10.57% | $3.5B | $3.7B |
| Q3 2023 | Oct 24, 2023 | $1.43 | $1.48 | 3.16% | $3.4B | $3.5B |
| Q2 2023 | Jul 18, 2023 | $1.25 | $1.32 | 6.00% | $3.2B | $3.3B |
| Q1 2023 | Apr 19, 2023 | $1.42 | $1.35 | -5.23% | $3.1B | $3.2B |
| Q4 2022 | Jan 23, 2023 | $1.11 | $1.26 | 13.25% | $3.1B | $3.1B |
| Q3 2022 | Oct 25, 2022 | $1.39 | $1.47 | 5.56% | $2.8B | $2.9B |
| Q2 2022 | Jul 18, 2022 | $1.41 | $1.60 | 13.88% | $2.7B | $2.9B |
| Q1 2022 | Apr 18, 2022 | $1.53 | $1.77 | 15.87% | $2.7B | $2.8B |
| Q4 2021 | Jan 28, 2022 | $1.48 | $1.48 | 0.30% | $2.6B | $2.7B |
| Q3 2021 | Oct 19, 2021 | $1.51 | $2.00 | 32.84% | $2.5B | $2.5B |

## 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.

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Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.

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