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Synchrony (SYF) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
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Synchrony (SYF - Free Report) reported $4.77 billion in revenue for the quarter ended March 2026, representing a year-over-year increase of 6.8%. EPS of $2.27 for the same period compares to $1.89 a year ago.
The reported revenue represents a surprise of +2.13% over the Zacks Consensus Estimate of $4.67 billion. With the consensus EPS estimate being $2.27, the EPS surprise was +0.02%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Synchrony performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio: 35.6% versus the four-analyst average estimate of 35%.
Net interest margin: 15.5% compared to the 15.6% average estimate based on four analysts.
Total Average Loan receivables, including held for sale: $100.69 billion versus the three-analyst average estimate of $101.24 billion.
Net charge-offs as of average loan receivables: 5.4% versus 5.6% estimated by three analysts on average.
Total Purchase Volume: $42.98 billion versus $41.98 billion estimated by three analysts on average.
Total Period-end loan receivables: $100.09 billion compared to the $99.35 billion average estimate based on three analysts.
Total interest-earning assets - Average Balance: $121.28 billion versus $120.51 billion estimated by three analysts on average.
Platform Analysis - Digital - Purchase volume: $13.5 billion versus the two-analyst average estimate of $13.14 billion.
Platform Analysis - Home & Auto - Period-end loan receivables: $29.14 billion versus the two-analyst average estimate of $28.72 billion.
Platform Analysis - Digital - Average loan receivables, including held for sale: $29.02 billion versus the two-analyst average estimate of $29.12 billion.
Platform Analysis - Diversified & Value - Purchase volume: $14.93 billion versus the two-analyst average estimate of $14.38 billion.
Platform Analysis - Diversified & Value - Period-end loan receivables: $20.27 billion versus the two-analyst average estimate of $19.95 billion.
Shares of Synchrony have returned +18.1% over the past month versus the Zacks S&P 500 composite's +9.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Synchrony (SYF) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
Synchrony (SYF - Free Report) reported $4.77 billion in revenue for the quarter ended March 2026, representing a year-over-year increase of 6.8%. EPS of $2.27 for the same period compares to $1.89 a year ago.
The reported revenue represents a surprise of +2.13% over the Zacks Consensus Estimate of $4.67 billion. With the consensus EPS estimate being $2.27, the EPS surprise was +0.02%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Synchrony performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Synchrony here>>>
Shares of Synchrony have returned +18.1% over the past month versus the Zacks S&P 500 composite's +9.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.