Start 30 days free, no card. Full Pro access for a month, then decide. Start free
Loading
Start 30 days free, no card. Full Pro access for a month, then decide. Start free
Reporting soon: earnings call Tuesday, Oct 20
A pre-earnings brief is ready for SYF: the setup, what peers and partners said this season, and which analysts to watch.Reading it is a Tellvest Pro feature.
Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Mihir Bhatia | Bank of America | 14 questions · 29% challenging |
| Ryan Nash | Goldman Sachs | 13 questions · 23% challenging |
| Moshe Orenbuch | TD Cowen | 11 questions · 18% challenging |
| Sanjay Sakhrani | KBW | 11 questions · 0% challenging |
| Terry Ma | Barclays | 11 questions · 45% challenging |
| Rob Wildhack | Autonomous Research | 8 questions · 0% challenging |
| Jeff Adelson | Morgan Stanley | 8 questions · 25% challenging |
| John Hecht | Jefferies | 8 questions · 0% challenging |
| John Pancari | Evercore ISI | 7 questions · 29% challenging |
| Rick Shane | JPMorgan | 7 questions · 29% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Bank of America | 1 analyst | 14 questions · 29% challenging |
| Goldman Sachs | 1 analyst | 13 questions · 23% challenging |
| Barclays | 1 analyst | 11 questions · 45% challenging |
| TD Cowen | 1 analyst | 11 questions · 18% challenging |
| KBW | 1 analyst | 11 questions · 0% challenging |
| Autonomous Research | 1 analyst | 8 questions · 0% challenging |
| Jefferies | 1 analyst | 8 questions · 0% challenging |
| Morgan Stanley | 1 analyst | 8 questions · 25% challenging |
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.
Demand | Credit | Competitive Dynamics | Pricing | Product Launch | Capital Allocation | Margin | Regulation Policy | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 6 | 7 | 3 | 7 | 2 | 2 | 3 | 2 |
| 2025Q1 | 7 | 6 | 4 | 3 | 3 | 4 | 1 | |
| 2025Q2 | 9 | 5 | 2 | 3 | 3 | 2 | 2 | 1 |
| 2025Q3 | 6 | 8 | 5 | 3 | 3 | 2 | 1 | 1 |
| 2025Q4 | 7 | 6 | 3 | 2 | 6 | 3 | 1 | |
| 2026Q1 | 6 | 5 | 2 | 3 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Demand | 6 | 7 | 9 | 6 | 7 | 6 |
| Credit | 7 | 6 | 5 | 8 | 6 | 5 |
| Competitive Dynamics | 3 | 4 | 2 | 5 | 3 | 2 |
| Pricing | 7 | 3 | 3 | 3 | 2 | |
| Product Launch | 2 | 3 | 3 | 3 | 6 | |
| Capital Allocation | 2 | 4 | 2 | 2 | 3 | |
| Margin | 3 | 2 | 1 | 3 | ||
| Regulation Policy | 2 | 1 | 1 | 1 | 1 | 1 |
Calendar quarter Q1 2026Earnings call Apr 21, 2026
FY2026 Q1 in brief
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.
Newest quarter FY2026 Q2 is part of Pro · see what Pro adds →
GAAP revenue YoY +16.6% → base 8. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
Sources. Tellvest earnings-call sentiment score for Synchrony Financial (SYF), FY2026 Q1: 8/10. Scores: Synchrony Financial’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: SYF daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
What SYF and other companies said about each other on FY2026 Q1 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“as with Ally Lending and Allegro”
Synchrony cited its acquisitions of Ally Lending and Allegro as examples of how it may deploy excess capital.
“association fees we pay to Mastercard and Visa”
Synchrony noted rising card-network association fees paid to Visa as co-brand volume grows, a modest expense signal for the network.
“association fees we pay to Mastercard and Visa”
Synchrony noted rising card-network association fees paid to Mastercard as co-brand volume grows, a modest expense signal for the network.
“recently launched and similar OnePay, Bob's Discount Furniture, RH, and approximately $725 million of Lowe's commercial co-brand loan receivables, which was added in early April.”
Synchrony recently launched its RH (Restoration Hardware) program and is optimistic about driving penetration and growth in it.
“recently launched and similar OnePay, Bob's Discount Furniture, RH, and approximately $725 million of Lowe's commercial co-brand loan receivables, which was added in early April.”
Bob's Discount Furniture is a recently launched Synchrony program cited as a tailwind to loan receivables growth.
“recently launched and similar OnePay, Bob's Discount Furniture, RH, and approximately $725 million of Lowe's commercial co-brand loan receivables, which was added in early April.”
OnePay is among Synchrony's recently launched programs expected to build into the portfolio and drive receivables growth in the back half of the year.
“recently launched and similar OnePay, Bob's Discount Furniture, RH, and approximately $725 million of Lowe's commercial co-brand loan receivables, which was added in early April.”
Synchrony added roughly $725M of Lowe's commercial co-brand loan receivables in early April, contributing to expected receivables growth.
“broadening its acceptance for eligible health and wellness purchases on walmart.com, complementing CareCredit's longstanding acceptance in-store across Walmart and Sam's Club locations nationwide.”
Synchrony broadened CareCredit acceptance to walmart.com in addition to in-store Walmart and Sam's Club, expanding its co-brand collaboration with Walmart.
“the larger opportunity we have through our strategic partnership with Independence Pet Holdings”
Synchrony framed its strategic partnership with Independence Pet Holdings as a driver of CareCredit's expanding pet-insurance reimbursement ecosystem.
“We are also delivering streamlined CareCredit experiences for pet families through our new partnerships with both FIGO and Embrace Pet Insurance.”
Synchrony added Embrace Pet Insurance as a CareCredit partner, enabling approved pet-insurance claims to be reimbursed to CareCredit accounts.
“We are also delivering streamlined CareCredit experiences for pet families through our new partnerships with both FIGO and Embrace Pet Insurance.”
Synchrony added FIGO as a CareCredit pet-insurance partner, extending its pet-care financing and reimbursement ecosystem.
“Synchrony also continued to broaden distribution of CareCredit financing during the first quarter through our expanded strategic partnerships with Planet DDS.”
Synchrony expanded CareCredit distribution via Planet DDS, embedding it across Cloud9 orthodontic and Denticon dental practice-management platforms.
No 8-K events recorded for this window.
The table scrolls sideways. Swipe it, or select it and use the arrow keys.
| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Net margin |
|---|---|---|---|---|---|
| FY2024 Q4 | $4.92B | +3.7% | $1.91 | +85.4% | 15.7% |
| FY2025 Q1 | $4.80B | -1.8% | $1.89 | -39.8% | 15.8% |
| FY2025 Q2 | $4.71B | -3.6% | $2.50 | +61.3% | 20.5% |
| FY2025 Q3 | $4.83B | -3.1% | $2.86 | +47.4% | 22.3% |
| FY2025 Q4 | $4.77B | -3.1% | $2.04 | +6.8% | 15.8% |
| FY2026 Q1Selected | $5.60B | +16.6% | $2.27 | +20.1% | 14.4% |
| FY2026 Q2 | $4.69B | -0.4% | $2.59 | +3.6% | 18.9% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
SYF Synchrony Financial | 8 | +16.6% | |
| AFRM Affirm Holdings, Inc. | 10 | +32.6% | |
| AXP American Express Company | 8 | +10.3% | |
| COF Capital One | 6 | +44.2% | |
| KLAR Klarna Group plc | 8 | +51.3% | |
| MA Mastercard | 8 | +15.8% | |
| PYPL PayPal | 5 | +7.2% | |
| SOFI SoFi Technologies, Inc. | 9 | +35.8% | |
| V Visa Inc. | 9 | +17.1% |