SYF financials
Synchrony Financial · end-of-day data as of Oct 16, 2026
Synchrony Financial
$73.68+1.5%
Buy · 24 analystsPT $89.98 +22.1%
SYF reported revenue of $4.69B for the quarter ended Jun 30, 2026 (Q2 FY2026), down 0.4% from a year earlier. It posted diluted EPS of $2.59, free cash flow of $2.42B and a net margin of 18.9%.
Valuation
- P/E7.5x
- P/E vs own-4.3%
- P/E vs sector-46.9%
- FCF yield+40.4%
- Market cap$23.97B
Quarterly results
Q2 FY2026: Revenue -0.4% year over year, free cash flow 51.6% of revenue, operating margin 25.3%.
RevenueFree cash flow
| Q2 FY2026 | Jun 30, 2026 | $4.69B | 2.59 | $2.42B | 53.6% | 25.3% | 18.9% |
| Q1 FY2026 | Mar 31, 2026 | $4.67B | 2.27 | $2.18B | 50.6% | 22.4% | 17.3% |
| Q4 FY2025 | Dec 31, 2025 | $4.77B | 2.04 | $2.45B | 49.3% | 20.0% | 15.8% |
| Q3 FY2025 | Sep 30, 2025 | $4.83B | 2.86 | $2.64B | 55.4% | 29.6% | 22.3% |
| Q2 FY2025 | Jun 30, 2025 | $4.71B | 2.50 | $2.56B | 53.1% | 26.7% | 20.5% |
| Q1 FY2025 | Mar 31, 2025 | $4.8B | 1.89 | $2.2B | 46.4% | 20.5% | 15.8% |
| Q4 FY2024 | Dec 31, 2024 | $4.92B | 1.91 | $2.35B | 45.5% | 19.8% | 15.7% |
| Q3 FY2024 | Sep 30, 2024 | $4.99B | 1.94 | $2.76B | 44.4% | 20.6% | 15.8% |
| Q2 FY2024 | Jun 30, 2024 | $4.89B | 1.55 | $2.48B | 41.3% | 17.3% | 13.2% |
| Q1 FY2024 | Mar 31, 2024 | $4.89B | 3.14 | $2.25B | 37.7% | 34.9% | 26.4% |
| Q4 FY2023 | Dec 31, 2023 | $4.74B | 1.03 | $2.32B | 39.1% | 11.4% | 9.3% |
| Q3 FY2023 | Sep 30, 2023 | $4.47B | 1.48 | $2.48B | 44.5% | 18.6% | 14.1% |