Synchrony Financial ($SYF) Stock Forecast: Down 6.0% Today

What is Synchrony Financial?

Synchrony Financial (NYSE: SYF) operates in the consumer financial services sector, providing various credit products through partnerships. The stock saw a decline in the market today.

Why is Synchrony Financial going down?

SYF stock is down 6.0% on Jan 27, 2026 20:35

• Synchrony Financial (SYF) released its Q4 2025 results, showing a mix of performance with an earnings per share beat but a revenue miss, leading to a nearly 2% drop in pre-market trading.
• The company exceeded profit estimates, yet its adjusted revenue of $4.76 billion was lower than what analysts had projected, disappointing investors.
• The stock faced negative market sentiment due to the earnings and revenue missing expectations, as well as issuing guidance below the anticipated range.
• Synchrony Financial's efficiency ratio and tangible book value per share performed below par, further dampening investor confidence and causing the stock to move bearishly.

SYF Price Chart

SYF Technical Analysis

SYF News

Synchrony Financial (NYSE:SYF) Misses Q4 CY2025 Sales Expectations

Synchrony Financial (NYSE:SYF) reported Q4 CY2025 sales of $3.79 billion, missing analyst expectations, though GAAP profit per share aligned with estimates. While the company exceeded net interest margin forecasts, its efficiency ratio was below expectations, leading to a 2% drop in stock price. The article provides an overview of Synchrony Financial's performance, highlighting its revenue growth and tangible book value per share (TBVPS) trends.

https://www.theglobeandmail.com/investing/markets/stocks/SYF/pressreleases/37246442/synchrony-financial-nysesyf-misses-q4-cy2025-sales-expectations/

Synchrony Financial (NYSE:SYF) Misses Q4 CY2025 Sales Expectations

Synchrony Financial (NYSE:SYF) reported Q4 CY2025 results, missing revenue expectations with sales flat year-over-year at $3.79 billion, though GAAP profit of $2.04 per share met estimates. The company's net interest margin beat analyst estimates, but its efficiency ratio and tangible book value per share fell short. Despite this, Synchrony Financial demonstrated strong long-term tangible book value per share growth.

https://finviz.com/news/288064/synchrony-financial-nyse-syf-misses-q4-cy2025-sales-expectations

Synchrony Financial stock dips after Q4 EPS, revenue misses; guidance underwhelms (SYF:NYSE)

Synchrony Financial (SYF) stock fell 2.5% in premarket trading after reporting weaker-than-expected Q4 earnings and revenue, as net interest income growth missed consensus estimates. The company's 2026 guidance midpoint also came in below expectations. Key metrics like EPS, net revenue, and net interest income all missed analyst forecasts, though purchase volume slightly exceeded projections.

https://seekingalpha.com/news/4542800-synchrony-financial-stock-dips-after-q4-eps-revenue-misses-guidance-underwhelms

Synchrony Financial (NYSE:SYF) Reports Mixed Q4 2025 Results with EPS Beat and Revenue Miss

Synchrony Financial (NYSE:SYF) reported mixed financial results for Q4 2025, with revenue of $4.76 billion slightly missing analyst estimates of $4.82 billion, while non-GAAP EPS of $2.18 exceeded the $2.06 forecast. Despite the EPS beat, the market reacted negatively, with shares down approximately 1.9% in pre-market trading, indicating that investors prioritized the revenue miss. The company also declared a quarterly common stock dividend of $0.30 per share and analysts project Q1 2026 revenue of $4.69 billion and EPS of $2.15.

https://www.chartmill.com/news/SYF/Chartmill-40458-Synchrony-Financial-NYSESYF-Reports-Mixed-Q4-2025-Results-with-EPS-Beat-and-Revenue-Miss

Synchrony: Q4 Earnings Snapshot

Synchrony Financial (SYF) reported fourth-quarter earnings of $751 million, or $2.04 per share, surpassing Wall Street expectations with adjusted earnings of $2.18 per share. Despite exceeding profit forecasts, the consumer credit company's adjusted revenue of $4.76 billion missed analysts' estimates. For the full year, Synchrony recorded a profit of $3.55 billion on $18.5 million in revenue.

https://www.kens5.com/article/syndication/associatedpress/synchrony-q4-earnings-snapshot/616-bcca3415-b86e-4b93-9db6-3eaa9645ecaf

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Synchrony Financial Price History

11.11.2025 - SYF Stock was up 5.4%

• Financial institutions Wells Fargo and Jefferies both reiterated Buy ratings on Synchrony Financial, with raised price targets, indicating sustained positive outlook and confidence in the company's performance.
• California Public Employees Retirement System increased its stake in SYF, showing institutional confidence in the stock.
• The persistent Buy rating from BofA Securities further supports the bullish sentiment surrounding Synchrony Financial.
• Overall, the bullish movement in SYF today can be attributed to the positive analyst ratings, increased price targets, and institutional buying activity, reflecting a strong market sentiment towards the company's future prospects.

16.09.2024 - SYF Stock was up 5.0%

• Synchrony Financial showed strong performance in Q3 earnings with a 29% increase in profits, exceeding market expectations.
• The company adjusted its FY24 forecast upwards, demonstrating optimism about future growth prospects.
• The favorable earnings results and positive outlook likely boosted investor confidence, leading to the stock's upward movement.
• The growth in net interest income, fueled by increased interest and fees on loans, also played a role in the positive sentiment surrounding the stock.

09.03.2025 - SYF Stock was down 5.9%

• The bearish movement in SYF stock could be attributed to profit-taking by investors after a period of strong growth.
• Despite the positive news about SYF's CareCredit platform expansion, investors may have been concerned about potential regulatory challenges or competitive pressures.
• It's possible that Wall Street's increased earnings view for SYF raised expectations to a level that was not met, leading to the bearish movement in the stock.
• Overall, the market may be reacting to a combination of factors, including profit-taking, regulatory concerns, and unmet expectations despite positive developments in SYF's business.

06.10.2024 - SYF Stock was up 18.3%

• The bullish movement of Synchrony Financial can be linked to the optimism prevailing in the financial sector after Donald Trump's victory in the 2024 U.S. presidential election.
• In anticipation of potential regulatory changes under the new administration, investors are displaying increased confidence in financial stocks like SYF.
• The rise in SYF's stock price aligns with the upward trajectory of bank stocks, evident in the strong performance of the Financial Select Sector SPDR Fund XLF and similar financial indices.
• Investors are responding favorably to the expected policies of a Trump presidency, foreseeing potential benefits for the financial industry, leading to the rise in stock prices of companies like Synchrony Financial.

27.00.2026 - SYF Stock was down 5.5%

• Synchrony Financial (SYF) witnessed a significant decline in its stock value today following the failure to meet revenue projections in Q4 2025.
• While the company achieved the anticipated GAAP profit levels, its revenue performance was disappointing, triggering a negative response from investors.
• Market sentiment was notably negative towards the company due to its lower-than-expected earnings, revenue results, and less promising forecast for 2026.
• Investor reactions to the revenue shortfall outweighed the positive aspect of exceeding earnings per share estimates, resulting in a 1.9% drop in pre-market trading.

27.00.2026 - SYF Stock was down 6.0%

• Synchrony Financial (SYF) released its Q4 2025 results, showing a mix of performance with an earnings per share beat but a revenue miss, leading to a nearly 2% drop in pre-market trading.
• The company exceeded profit estimates, yet its adjusted revenue of $4.76 billion was lower than what analysts had projected, disappointing investors.
• The stock faced negative market sentiment due to the earnings and revenue missing expectations, as well as issuing guidance below the anticipated range.
• Synchrony Financial's efficiency ratio and tangible book value per share performed below par, further dampening investor confidence and causing the stock to move bearishly.

28.00.2025 - SYF Stock was down 5.7%

• Today's decline in SYF stock price could be due to investors taking profits following a period of positive performance.
• While factors like growing digital sales volume and partnership-driven organic growth have been positive, some investors may have concerns about SYF's ability to surpass Q4 earnings expectations and its current P/E ratio.
• The market's response may reflect worries about SYF's efficiency and valuation, prompting a sell-off.
• Investors might be reconsidering their SYF holdings amidst uncertainties in the broader market or industry-specific challenges.

14.00.2026 - SYF Stock was down 5.1%

• SYF shares plunged 8.1% due to a proposal to cap credit card interest rates at 10%.
• The market's strong reaction to the news highlights investor concerns about profitability in the credit card industry.
• Regulatory challenges have added volatility for SYF investors, despite the company's strong financial performance and high dividend yield.
• The proposed interest rate cap has caused a broader slump across financial stocks, showing the market's sensitivity to regulatory changes affecting the industry.

10.11.2025 - SYF Stock was up 3.8%

• Price target for SYF was raised to $95 from $85 with a maintained Buy rating, signaling a positive outlook for the company.
• California Public Employees Retirement System increased its stake in SYF by 5.3% in Q2, displaying confidence in the stock.
• iSAM Funds UK Ltd significantly increased its stake in SYF during Q2, aligning with the company's strong Q2 earnings and share buyback authorization.
• Synchrony Financial's release of November 2025 charge-off data, in addition to positive analyst ratings and institutional investments, influenced the bullish market movement.

14.09.2025 - SYF Stock was up 5.0%

• Strong bullish movement in SYF stock due to analysts revising earnings forecasts ahead of the upcoming earnings call.
• Anticipation of positive third-quarter earnings results, with expectations of an increase in earnings per share compared to the previous year.
• Investor confidence in SYF boosted by the potential for strong financial performance in the upcoming earnings report.

24.05.2025 - SYF Stock was up 5.0%

• SYF's partnership with Payzer to streamline home improvement financing is seen as a positive move by investors, as it can potentially increase the company's market reach and customer satisfaction.
• By embedding financing into contractor tools, SYF is likely to attract more customers and drive higher sales volume, leading to increased revenue and profitability.
• The market reacted positively to this development, as it signals SYF's commitment to innovation and growth in the competitive consumer financial services sector, driving up the stock price.

23.03.2025 - SYF Stock was up 6.5%

• Synchrony Financial reported better-than-expected earnings for Q1 FY25, with an EPS of $1.89, which likely contributed to the bullish movement.
• Despite lower purchase volume and a decline in active accounts, the market responded positively to the earnings beat, indicating investor confidence in the company's performance.
• The upcoming live session with Matt Maley could be generating anticipation and interest among investors, potentially fueling the bullish sentiment further.
• Overall, Synchrony Financial's strong earnings performance and potential trading setups highlighted seem to have driven the stock's upward trajectory today.