What is the most recent earnings date for SYF stock?
SYNCHRONY FINANCIAL (SYF) last reported earnings on 1/27/2026.
SYNCHRONY FINANCIAL (SYF) Earnings History & Surprises
NYSE:SYF • US87165B1035
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+0.1 (+0.15%)
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SYF Earnings overview
Past quarterly earnings results for SYNCHRONY FINANCIAL (SYF), including EPS and revenue actuals, analyst estimates, and surprise percentages. This page focuses on historical performance (not forecasts).
Earnings Snapshot
Next Earnings Date
Upcoming- Release Date
- Apr 21, 2026
- Period
- Q1 / 2026
- EPS Estimate
- $2.16
- Revenue Estimate
- 4.44B
Last Reported
Most Recent- Release Date
- Jan 27, 2026
- Period
- Q4 / 2025
- EPS Reported
- $2.04
- EPS Surprise
- -1.19%
- Revenue Surprise
- -1.16%
Beat Rate
Last 8 Quarters 56%
EPS and Revenue beats vs estimates
Quarterly Earnings Historical Results
EPS & Revenue History (in USD): Actual vs estimated values, surprises, q2q growth and acceleration numbers quarterly history.
| Quarter | EPS | EPS Est | EPS Surprise | EPS Q2Q | Revenue | Revenue Est | Revenue Surprise | Revenue Q2Q |
|---|---|---|---|---|---|---|---|---|
| Q4 2025 | 2.04 | 2.06 | -1.19% | 6.81% | 4.761B | 4.817B | -1.16% | 3.68% |
| Q3 2025 | 2.86 | 2.25 | 27.28% | 47.42% | 4.72B | 4.739B | -0.40% | 2.41% |
| Q2 2025 | 2.50 | 1.76 | 41.74% | 61.29% | 4.521B | 4.492B | 0.65% | 2.63% |
| Q1 2025 | 1.89 | 1.69 | 11.87% | -39.81% | 4.464B | 4.601B | -2.98% | 1.34% |
| Q4 2024 | 1.91 | 1.95 | -2.01% | 85.44% | 4.592B | 4.554B | 0.83% | 2.82% |
| Q3 2024 | 1.94 | 1.81 | 7.15% | 31.08% | 4.609B | 4.535B | 1.63% | 5.66% |
| Q2 2024 | 1.55 | 1.36 | 13.72% | 17.42% | 4.405B | 4.435B | -0.68% | 6.92% |
| Q1 2024 | 3.14 | 1.36 | 130.05% | 132.59% | 4.405B | 4.497B | -2.05% | 7.02% |
| Q4 2023 | 1.03 | 0.94 | 9.51% | -18.25% | 4.466B | 4.513B | -1.04% | 7.98% |
| Q3 2023 | 1.48 | 1.44 | 2.51% | 0.68% | 4.362B | 4.437B | -1.69% | 9.82% |
| Q2 2023 | 1.32 | 1.26 | 5.13% | -17.50% | 4.12B | 4.164B | -1.06% | 3.00% |
| Q1 2023 | 1.35 | 1.47 | -8.47% | -23.73% | 4.116B | 4.014B | 2.54% | 5.62% |
| Q4 2022 | 1.26 | 1.12 | 12.39% | -14.86% | 4.136B | 4.143B | -0.17% | 3.48% |
| Q3 2022 | 1.47 | 1.39 | 5.72% | -26.50% | 3.972B | 3.932B | 1.02% | 5.86% |
| Q2 2022 | 1.60 | 1.44 | 11.09% | -24.53% | 4B | 3.768B | 6.16% | 17.61% |
| Q1 2022 | 1.77 | 1.55 | 13.94% | 2.31% | 3.897B | 3.646B | 6.88% | 9.16% |
| Q4 2021 | 1.48 | 1.50 | -1.31% | 19.35% | 3.997B | 3.776B | 5.85% | 6.84% |
| Q3 2021 | 2.00 | 1.53 | 31.08% | 217.46% | 3.752B | 3.608B | 3.99% | 4.57% |
| Q2 2021 | 2.12 | 1.45 | 46.37% | 3,433.33% | 3.401B | 3.509B | -3.08% | -2.58% |
| Q1 2021 | 1.73 | 1.39 | 24.05% | 284.44% | 3.57B | 3.656B | -2.35% | -10.46% |
| Q4 2020 | 1.24 | 0.92 | 35.34% | - | 3.741B | 3.587B | 4.29% | - |
| Q3 2020 | 0.63 | 0.73 | -13.13% | - | 3.588B | 3.523B | 1.85% | - |
| Q2 2020 | 0.06 | 0.15 | -59.98% | - | 3.491B | 3.651B | -4.38% | - |
| Q1 2020 | 0.45 | -0.10 | 535.66% | - | 3.987B | 3.966B | 0.53% | - |
Notes
- EPS and Revenue values are non-GAAP when available, otherwise GAAP.
- Surprise % is (Actual - Estimate) / |Estimate|. Green indicates positive surprise, red negative.
- Q2Q % is quarter-over-quarter growth. Green indicates growth, red indicates decline.
- Green right border indicates acceleration for sales or earnings growth. Acceleration is the case when the current Q2Q is above the previous Q2Q.
Earnings Q2Q Performance Trends
EPS Historical Q2Q growth and Acceleration
Revenue Historical Q2Q growth and Acceleration
Surprise distribution (Last 4 Quarters)
EPS beat statistics
EPS beat (4)
3
Average EPS beat (4)
19.92%
Max EPS beat (4)
41.74%
Min EPS beat (4)
-1.19%
Revenue beat statistics
Revenue beat (4)
1
Average Revenue beat (4)
-0.97%
Max Revenue beat (4)
0.65%
Min Revenue beat (4)
-2.98%
Analysis
In the last 4 quarters, SYF has beaten EPS estimates in 3 out of 4 releases
SYF has beaten revenue estimates in 1 out of the last 4 releases
In the last 4 quarters, SYF has beaten the EPS estimates by 19.9% on average.
In the last 4 quarters, SYF reported -1.0% below the revenue estimates on average.
Related analysis
SYNCHRONY FINANCIAL / SYF Earnings FAQ
Did SYF stock beat earnings estimates in the most recent quarter?
SYNCHRONY FINANCIAL (SYF) missed EPS estimates and missed revenue estimates in the most recent quarter.
What percentage of the time does SYF stock beat earnings estimates?
In the last 4 quarters, SYNCHRONY FINANCIAL (SYF) has beaten EPS estimates in 3 out of 4 releases.