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Synchrony Financial

SYF Finance Finance: Consumer Services
$70.84
▲ +0.1% Today
as of Jun 7, 07:28 ET
Last 30 days -7.10% Apr 28 → Jun 05
$68.12 $70.30 $72.49 $74.67 $76.85 Apr 28 May 05 May 13 May 20 May 29 Jun 05
Open
$71.23
High
$71.59
Low
$70.49
Volume
$3M
Avg Vol
$4M
Mkt Cap
$24.0B
P/E (TTM)
9.28
Beta
52w High
$88.77
52w Low
$56.98
Div Yield
Shares Out
$337M

Overview

52-week range
$57
$89
44% of range
Avg surprise (last 1)
+15.9%
Avg reaction (last 1)
+2.8%
100% positive
Latest IV / EM
37%
EM ±5.2% · $70 · Jun 18

Earnings trends

EPS — actual vs estimate Actual Estimate
$1.32$1.78$2.23$2.69$3.14 Actual $1.32Actual $1.48Actual $3.14Actual $1.55Actual $1.94Actual $1.89Est $1.63Actual $2.50Actual $2.86Actual $2.27 JunSepMarJunSepMar/2025JunSepMar
Revenue vs Net Income Revenue Net income
$0$283M$565M$848M$1.1B Jun 24Sep 24Mar 25Jun 25Sep 25Mar 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Mar 31, 2026Mar 2026 $2.27 financials
Tue Sep 30, 2025Sep 2025 $2.86 financials
Mon Jun 30, 2025Jun 2025 $2.50 financials
Tue Apr 22, 2025Mar/2025 $1.89 $1.63 +15.9% +2.8% earnings
Mon Sep 30, 2024Sep 2024 $1.94 financials
Sun Jun 30, 2024Jun 2024 $1.55 financials
Sun Mar 31, 2024Mar 2024 $3.14 financials
Sat Sep 30, 2023Sep 2023 $1.48 financials
Fri Jun 30, 2023Jun 2023 $1.32 financials

Financials

Income statement (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Revenue
Cost of revenue
Gross profit
Operating income
Net income$805M$1.08B$967M$757M$789M$643M
EPS (diluted)$2.27$2.86$2.50$1.89$1.94$1.55

Balance sheet (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Cash & equivalents$20.56B$14.97B$16.25B$19.46B$21.63B$14.71B$17.93B$18.63B
Inventory
Total current assets
Total assets$121.50B$119.09B$116.98B$120.50B$122.03B$119.46B$119.23B$120.49B
Long-term debt$16.43B$15.18B$14.43B$16.01B$17.01B$15.46B$15.63B$15.64B
Total liabilities$105.02B$102.33B$99.92B$103.55B$105.44B$102.88B$103.25B$104.95B
Total equity$16.48B$16.77B$17.07B$16.95B$16.58B$16.58B$15.98B$15.54B

Implied volatility — last 90 days

32%34%37%39%42% Jun 07 — IV 37% · EM ±5.2%

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