Synchrony Financial stock enters October with Q3 results set for October 20

Published on 10/05/2026 at 17:07 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Synchrony Financial stock was trading at USD 71.89 on October 5, while Q2 EPS reached USD 2.59 against a USD 2.14 consensus. Q3 results are due October 20.

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Synchrony Financial stock (ISIN US87165B1035) was trading at USD 71.89 on the NYSE at 11:06 a.m. ET on October 5, 2026, up USD 0.12 or 0.16 percent from the prior close. The next major checkpoint is October 20, when Synchrony plans to publish its third quarter 2026 results.

October 20 sets the next test

According to Synchrony on September 22, 2026, the company will release its Q3 results at 6:00 a.m. ET on October 20, followed by a conference call at 8:00 a.m. ET. That scheduled report now matters because the latest quarter combined earnings growth with a higher credit burden than a traditional payment network would carry.

In Q2 2026, Synchrony reported diluted EPS of USD 2.59 against a USD 2.14 consensus estimate, a USD 0.45 beat. MarketBeat reported that quarterly revenue was USD 3.72 billion and that fiscal 2026 EPS guidance stood at USD 9.25-9.50.

Credit metrics shape the upside

The Q2 earnings profile also included a 15.08 percent net interest margin and a 5.43 percent net charge-off rate, according to Synchrony's earnings-call materials summarized in the current financial record. The net charge-off rate was 0.27 percentage points below the prior-year 5.70 percent level, while the margin increased 0.30 percentage points year over year.

That combination gives the October report two measurable benchmarks: whether purchase and loan growth can support net interest income, and whether credit losses stay within management's framework. The fiscal 2026 EPS guidance range of USD 9.25-9.50 places the Q3 result inside a broader earnings plan rather than making the quarterly number the only valuation driver.

Analysts see room above the price

MarketBeat said 17 analysts carried a Moderate Buy consensus, with 10 buy ratings and seven holds and an average 12-month target of USD 88.25. Against the NYSE price of USD 71.89 on October 5, that target lies 22.8 percent above the price.

The latest named target action was more cautious. As Markets Insider reported on October 1, 2026, Evercore ISI lowered its target from USD 86 to USD 80 while retaining an Outperform rating. The move puts the stock's price debate between a broad consensus target and a more conservative recent revision.

Stock remains below yearly high

Synchrony Financial stock was trading at USD 71.89 on the NYSE on October 5, 2026, with an intraday range of USD 71.14 to USD 72.10. Its 52-week range was USD 63.08 to USD 88.77, while market capitalization stood at USD 23.4 billion and volume reached 285,488 shares.