Core Viewpoint - RBC Capital analyst Jon Arfstrom has lowered the price target for Synchrony (SYF) to $85 from $91 while maintaining a Sector Perform rating after reviewing the company's Q4 results [1] Group 1: Q4 Results - The Q4 results were encouraging, showing improvement in year-over-year spending volumes and credit metrics [1] - The outlook for 2026 is seen as mostly consistent with recent commentary and expectations [1]

Synchrony Financial (NYSE:SYF) reported mixed results for the fourth quarter on Tuesday.The company posted quarterly earnings of $2.18 per share which beat the analyst consensus estimate of $2.04 per share. The company reported quarterly sales of $4.761 billion which missed the analyst consensus estimate of $4.769 billion.Synchrony Financial said it sees FY2026 GAAP EPS of $9.10-$9.50, versus market estimates of $9.20.Synchrony Finl shares rose 1.9% to trade at $74.39 on Wednesday.These analysts made change ...

Synchrony Financial (NYSE:SYF) reported mixed results for the fourth quarter on Tuesday.The company posted quarterly earnings of $2.18 per share which beat the analyst consensus estimate of $2.04 per share. The company reported quarterly sales of $4.761 billion which missed the analyst consensus estimate of $4.769 billion.Synchrony Financial said it sees FY2026 GAAP EPS of $9.10-$9.50, versus market estimates of $9.20.Synchrony Finl shares rose 1.9% to trade at $74.39 on Wednesday.These analysts made change ...

Core Viewpoint - Extreme weather conditions are significantly disrupting logistics operations across Europe, leading to cargo vessels seeking shelter and terminals halting or scaling down their activities [1] Group 1: Impact on Logistics Operations - Severe disruptions are reported in logistics operations due to extreme weather [1] - Cargo vessels are sheltering to avoid adverse weather conditions [1] - Terminals are forced to halt or reduce their operational activities [1]

For Synchrony Financial ( SYF ), 2025 was all about growing earnings without much growth in the number of customers or loan balances. Synchrony set itself upI retired early after 22 years in the energy industry with roles in engineering, planning, and financial analysis. I have managed my own portfolio since 1998 and have met my goal to match the S+P 500 return over the long term with lower volatility and higher income. I mostly write on positions I already hold or am considering changing. I prefer to hold ...

Core Insights - Synchrony Financial (NYSE:SYF) is a leading consumer financial services company in the U.S., offering various credit products and known for strong partnerships with retailers and healthcare providers [1] Financial Performance - On January 27, 2026, SYF reported an earnings per share (EPS) of $2.47, exceeding the estimated $2.02, and showing an increase from $1.91 a year ago [2] - The company reported revenue of $5.86 billion, surpassing the estimated $3.80 billion, with a previous quarter revenue of $4.76 billion, reflecting a 3.7% year-over-year increase [3] - SYF's net interest income reached $4.8 billion, a 3.7% increase year over year, driven by improved efficiency and higher purchase volumes [4] Valuation Metrics - SYF has a price-to-earnings (P/E) ratio of approximately 6.25 and a price-to-sales ratio of about 1.34, indicating strong earnings potential for investors [5] - The enterprise value to sales ratio is around 0.60, and the enterprise value to operating cash flow ratio is approximately 1.25, further reflecting the company's financial health [5]

This week’s Acquirer’s Multiple® Large-Cap screen again clusters around capital-intensive cyclicals, cheap financials, and mature hardware franchises whose realized cash economics continue to be priced as fundamentally fragile.The broader equity tape remains dominated by long-duration growth optionality and thematic scarcity, leaving balance sheet strength and free-cash-flow compounding chronically discounted.Across the top decile, capital returns remain abundant, but the market continues to underwrite dura ...

Management described broad-based improvement in transaction behavior, noting average transaction values increased about 30 basis points versus last year and average transaction frequency rose about 3.7% across all credit cohorts. Synchrony also said it continued to see year-over-year improvement in discretionary spend within out-of-partner purchase volume, citing categories such as electronics, entertainment, and travel.Purchase volume reached a fourth-quarter record of $49 billion , up 3% year over year, w ...

Core Insights - Synchrony Financial reported a record fourth-quarter purchase volume of $49 billion, marking a 3% year-over-year increase, driven by strengthened spending patterns and growth in co-branded cards [2] - The company's CEO noted steady consumer behavior, with increased transaction frequency and average ticket sizes, indicating resilience in consumer spending [4] - The Pay Later product has become integral to Synchrony's strategy, available at over 6,200 merchants, and is associated with at least a 10% increase in sales when combined with revolving credit [5][6] Financial Performance - Overall card activity showed broad improvement, with co-brand and dual cards accounting for about half of the fourth-quarter purchase volume and growing 16% year-over-year [7] - Digital platform purchase volume rose by 6%, while health and wellness spending increased by 4%, reflecting trends in consumer preferences [8] - Revenues for the quarter were approximately $3.8 billion, slightly below consensus expectations, leading to a 6% drop in shares during early trading [9] Strategic Developments - Synchrony is focusing on digital enhancements, reporting an 18% increase in total digital visits and a 17% rise in sales, attributed to improvements in its marketplace, website, and mobile app [9] - Investments in AI search, mobile wallet integration, and platform connectivity are seen as key drivers for increasing consumer engagement [10] - The partnership with Walmart is highlighted as a significant growth contributor, with the retailer being described as Synchrony's fastest-growing program [10][11] Regulatory Concerns - Management expressed strong opposition to proposed 10% APR caps, arguing that such measures would reduce credit availability, particularly impacting lower-income consumers [12] - The company supports around 400,000 small and mid-sized businesses, warning that credit caps could disrupt merchant economics and consumer access to credit [12][13] - Synchrony anticipates mid-single-digit receivables growth in 2026, supported by the maturation of new programs and improved core volumes [13]

Synchrony Financial (NYSE:SYF) Q4 2025 Earnings call January 27, 2026 08:00 AM ET Company ParticipantsBrian Doubles - CEOBrian Wenzel - CFOKathryn Miller - SVP of Investor RelationsConference Call ParticipantsErika Najarian - AnalystMihir Bhatia - AnalystMoshe Orenbuch - AnalystRyan Nash - AnalystSanjay Sakrani - AnalystOperatorGood morning, and welcome to the Synchrony Financial fourth quarter 2025 earnings conference call. Please refer to the company's investor relations website for access to their earnin ...