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Sentiment · FY2026 Q2
As of FY2026 Q1, the Tellvest earnings-call sentiment score for Synchrony Financial (SYF) is 8/10.
Net interest income grew 4% to $4.6 billion with EPS of $2.27 growing 20% as record Q1 purchase volume was achieved with all five platforms growing or flat. Credit performance remained strong with the NCO guide improved to less than 5.5%, and NIM expansion continued at 76 basis points to 15.5%. FY2026 EPS guidance was reiterated at $9.10-$9.50 despite macro uncertainty while a new $6.5 billion buyback authorization signaled capital return acceleration, and the AgenTek commerce and AI positioning advanced as a strategic priority.
Scored from Synchrony Financial’s FY2026 Q1 earnings call. The newest quarter is available with Tellvest Pro.
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin |
|---|---|---|---|---|---|---|
| FY2024 Q4 | $4.92B | +3.7% | $1.91 | +85.4% | 19.8% | 15.7% |
| FY2025 Q1 | $4.80B | -1.8% | $1.89 | -39.8% | 20.5% | 15.8% |
| FY2025 Q2 | $4.71B | -3.6% | $2.50 | +61.3% | 26.7% | 20.5% |
| FY2025 Q3 | $4.83B | -3.1% | $2.86 | +47.4% | 29.6% | 22.3% |
| FY2025 Q4 | $4.77B | -3.1% | $2.04 | +6.8% | 20.0% | 15.8% |
| FY2026 Q1 | $5.60B | +16.6% | $2.27 | +20.1% | 16.3% | 14.4% |
| FY2026 Q2 | $4.69B | -0.4% | $2.59 | +3.6% | 29.7% | 18.9% |