Synchrony Financial Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
9.3%projected annual EPS growth
Analyst Coverage
23analysts covering
FY Revenue (est.)
$15.2Bnext fiscal year
FY EPS (est.)
$9.37next fiscal year
Reporting Calendar
| Event | Expected Date |
|---|---|
| Q3 2026 Earnings Release | 21 Oct 2026 |
Monitoring Framework
Key Performance Indicators
Purchase Volume Quarterly49.8BTarget: Strong purchase volume growth expected to continue throughout 2026
Net Interest Margin (NIM) Quarterly1,508.0%Target: Sequential build expected in H2 2026
Net Charge-Off Rate Quarterly543.0%Target: Less than 5.5% for the full year 2026
Ending Loan Receivables Growth Quarterly102.2BTarget: Mid-single-digit growth by year-end 2026
Watch Items
- CFPB Late Fee Cap ImplementationTrigger: Final regulatory or judicial resolution of the late fee capAction: Adjust product pricing, economic terms of Retailer Share Arrangements (RSAs), and credit policies to offset lower late-fee incidence.
- Consumer Payment RatesTrigger: Normalization of elevated payment ratesAction: Monitor H2 2026 loan receivable acceleration as payment rates normalize to ensure mid-single-digit growth target is met.
Research as of 2 Sep 2026