Financials·Consumer Finance·$25.7B
Synchrony Financial (SYF) is a leading provider of consumer financial services, specializing in private label credit cards and consumer financing solutions. As a key player in the financial sector, it benefits from trends in consumer spending and credit demand, making its performance relevant to investors focused on the retail and consumer finance industries.
EPS (Earnings Per Share)
EPS is a crucial indicator of the company's profitability and financial health, which investors closely monitor.
Credit Card Delinquency Rate
This metric reflects the health of the consumer credit market and can indicate potential risks in loan performance.
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Synchrony Financial (SYF) is a leading provider of consumer financial services, specializing in private label credit cards and consumer financing solutions. As a key player in the financial sector, it benefits from trends in consumer spending and credit demand, making its performance relevant to investors focused on the retail and consumer finance industries.
EPS Beat Streak
0Q
EPS Beat Rate
88%
Avg EPS Surprise
+15.98%
Avg Stock Reaction
-0.09%
In Q4 2025, Synchrony reported an EPS of $2.04, slightly beating expectations. However, the stock fell by 5.82% the following day, indicating market concerns despite the positive earnings surprise.
Management Promises & Guidance
Investors are cautiously optimistic about Synchrony's upcoming earnings, given its strong track record of beating EPS estimates. However, concerns about consumer credit quality and economic conditions may temper enthusiasm.
Bull Case
If Synchrony continues its trend of beating EPS estimates, it could indicate strong consumer demand and effective credit management, potentially leading to a positive stock reaction.
Bear Case
On the other hand, any signs of rising delinquency rates or weak loan growth could raise red flags about the company's future performance, leading to a negative market reaction.
EPS (Earnings Per Share)
N/AEPS is a crucial indicator of the company's profitability and financial health, which investors closely monitor.
Credit Card Delinquency Rate
N/AThis metric reflects the health of the consumer credit market and can indicate potential risks in loan performance.
Loan Growth Rate
N/ALoan growth is vital for Synchrony's revenue generation, and strong growth can signal robust consumer demand.
The print will turn on these two things.
Q1
What is the current credit card delinquency rate?
This figure will provide insight into the health of Synchrony's loan portfolio and the potential risks to future earnings.
Q2
How has loan growth compared to previous quarters?
Strong loan growth is essential for revenue, and any slowdown could indicate weakening consumer demand.
Why consensus could be wrong
The Street may be underestimating the potential for Synchrony to maintain strong loan growth despite economic headwinds, as consumer spending remains resilient.
Supporting Evidence
Historically, Synchrony has consistently beaten EPS estimates, suggesting stronger-than-expected performance.
The options market is pricing in a modest move, which may not reflect the potential for a significant upside surprise.
The low put/call ratio indicates that investors are leaning bullish, which could be a sign of confidence in the company's outlook.
Key Risk
If the delinquency rate comes in below 2%, it could significantly shift market sentiment in favor of the bull case.
Pre-commit to what would confirm each case.
The market is weighing Synchrony's ability to maintain credit quality and growth in a potentially challenging economic environment.
Bull Confirmed If
A credit card delinquency rate below 2% combined with loan growth of over 10% year-over-year would confirm the bull case.
Bear Confirmed If
Conversely, a delinquency rate above 3% or negative loan growth would support the bear case.
Implied Move
±3.0%
Historical Avg
±3.0%
The options market is pricing in a moderate move for Synchrony's stock following the earnings report, reflecting uncertainty among investors.
Options are pricing ±3.0% while SYF has averaged ±3.0% over the last 8 prints — setup is roughly in line with history.
Cross-company pattern from 30 similar setups.
Prior-quarter beat + options rich in Financials
n=30Fade rate: 6 of 26 (23%)
This setup has occurred 30 times across Financials in the last 2 years. 20 of 26 (77%) held or extended their move within 5 days — this setup typically holds direction. The average absolute 1-day move is 3.9%, with a raw directional average of -2.5% (modestly negative historical bias).
Likely market behavior by outcome — not investment advice.
Beat & Raise
If Synchrony beats expectations and raises guidance, history suggests the stock could rise by around 0.69% on the day, confirming strong operational performance.
In-Line / Cautious
An in-line report with cautious commentary may lead to a muted reaction, as investors assess the implications for future growth.
Miss
If the company misses expectations, history suggests a potential decline of around 3.47% as investors react to concerns about credit quality.
AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.
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AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.
No charge today · Auto-bills $8/mo after 7 days · Cancel anytime
ZIONS BANCORP N A
Apr 20, 2026