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Synchrony Financial SYF Q1 2026 earnings

Reported April 21, 2026 · Before market open

Revenue$3.7BMiss by $90.5MDiluted EPS$2.27Beat by $0.05
Revenue estimate$3.8B
EPS estimate$2.22

Next report

Jul 21, 2026 (In 1 week)
Revenue estimate$3.7B
EPS estimate$2.13

Financials

Q1 2026

Income statement

See full
Net income$805.0M+6.3%
EPS (diluted)$2.27+20.1%

Balance sheet

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Cash & equivalents$20.6B-4.9%
Total debt$16.4B-3.4%
Total equity$16.5B-0.6%
Total assets$121.50B-0.4%

Cash flow

See full
Operating cash flow$2.2B-0.8%

Valuation & ratios

Valuation

as of 07/09/26
See full
Market cap$22.96B+14.9%
Enterprise value$18.83B+22.3%
P/E6.4×-0.4×

Returns & leverage

See full
Return on equity21.8%+3.2pp
Debt / equity1×0.0×

Versus estimates

Revenue

Q1 2026$3.7BMiss by $90.5M
Q4 2025$3.8BMiss by $45.8MQ3 2025$4.8BBeat by $1.0BQ4 2024$3.8BMiss by $28.0MQ3 2024$3.8BBeat by $52.9MQ2 2024$4.9BBeat by $1.2B

Diluted EPS

Q1 2026$2.27Beat by $0.05
Q4 2025$2.07Beat by $0.02Q3 2025$2.86Beat by $0.60Q4 2024$1.91Miss by $0.02Q3 2024$1.94Beat by $0.15Q2 2024$1.55Beat by $0.20

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Questions, answered.

When did Synchrony Financial report Q1 2026 earnings?
Synchrony Financial (SYF) reported Q1 2026 earnings on April 21, 2026 before market open.
What were Synchrony Financial's Q1 2026 revenue and EPS?
Synchrony Financial reported revenue of $3.7B and diluted EPS of $2.27 for Q1 2026.
Did Synchrony Financial beat estimates in Q1 2026?
Revenue missed the consensus estimate of $3.8B by $90.5M. EPS beat the consensus estimate of $2.22 by $0.05.
Where can I find Synchrony Financial's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001601712-26-000013) and the 10-Q periodic report (0001601712-26-000016) directly on SEC EDGAR. The filing index links above go to sec.gov.