AMJ Financial Wealth Management acquired a new stake in Synchrony Financial (NYSE: SYF) in the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission (SEC). The institutional investor acquired 10,960 shares of the financial services provider's stock, valued at approximately $779,000. A number of
Synchrony Financial (SYF) Presents at UBS Financial Services Conference 2026 Transcript
This commentary first appeared on Forbes Great Speculations , where Schaeffer's Investment Research is a regular contributor.
Synchrony Financial achieved 8.6% EPS growth in 2025 through margin expansion, lower charge-offs, and aggressive buybacks, despite flat loan balances. Synchrony's 2026 outlook is for flat EPS, as loan growth is offset by higher loss provisions, RSA costs, and limited margin levers. Political risk around credit card rate caps remains a risk. Implementation seems unlikely but would severely impact Synchrony's business model.
SYF's Q4 EPS of $2.18 beat estimates as efficiency improves, purchase volume rises and credit loss provisions fall despite softer loan receivables.
Synchrony Financial closed 2025 with fourth-quarter purchase volume of $49 billion, a company record and a 3% year-over-year increase, as spending patterns strengthened across most platforms and co-branded cards continued to gain share, as detailed in fourth-quarter results released on Tuesday (Jan. 27).
While the top- and bottom-line numbers for Synchrony (SYF) give a sense of how the business performed in the quarter ended December 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Synchrony (SYF) came out with quarterly earnings of $2.18 per share, beating the Zacks Consensus Estimate of $2.02 per share. This compares to earnings of $1.91 per share a year ago.
Though Synchrony Financial (SYF) stock sports a 50.6% nine-month lead, it has struggled so far in 2026, last seen carrying a 6.3% deficit for January. Shares gapped lower after hitting a Jan. 9, record high of $88.77, though newly formed resistance-turned-support at the $75 level contained those losses.
Get a deeper insight into the potential performance of Synchrony (SYF) for the quarter ended December 2025 by going beyond Wall Street's top-and-bottom-line estimates and examining the estimates for some of its key metrics.
SYF heads into Q4 with higher margins and purchase volumes, but declining active accounts and average interest-earning assets cloud earnings upside.
Synchrony Financial: The Dip Made Valuation Synchronized With Fundamentals