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Synchrony (SYF) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
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For the quarter ended June 2026, Synchrony (SYF - Free Report) reported revenue of $4.61 billion, up 1.9% over the same period last year. EPS came in at $2.59, compared to $2.50 in the year-ago quarter.
The reported revenue represents a surprise of -1.14% over the Zacks Consensus Estimate of $4.66 billion. With the consensus EPS estimate being $2.08, the EPS surprise was +24.52%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 35.8% versus 35.1% estimated by four analysts on average.
Net interest margin: 15.1% versus 15.3% estimated by four analysts on average.
Total - Average loan receivables, including held for sale: $100.7 billion compared to the $100.89 billion average estimate based on three analysts.
Net charge-offs as a % of average loan receivables, including held for sale: 5.4% versus the three-analyst average estimate of 5.6%.
Total - Purchase volume: $49.83 billion compared to the $48.67 billion average estimate based on three analysts.
Total - Period-end loan receivables: $102.21 billion versus $101.88 billion estimated by three analysts on average.
Average Balance - Total interest-earning assets: $122.54 billion compared to the $122.76 billion average estimate based on three analysts.
Platform Analysis - Digital - Purchase volume: $14.9 billion versus $14.67 billion estimated by two analysts on average.
Platform Analysis - Home & Auto - Period-end loan receivables: $30.35 billion versus $30.05 billion estimated by two analysts on average.
Platform Analysis - Digital - Average loan receivables, including held for sale: $28.54 billion compared to the $28.8 billion average estimate based on two analysts.
Platform Analysis - Diversified & Value - Purchase volume: $17.2 billion versus the two-analyst average estimate of $16.55 billion.
Platform Analysis - Diversified & Value - Period-end loan receivables: $20.77 billion compared to the $20.52 billion average estimate based on two analysts.
Shares of Synchrony have returned -3% over the past month versus the Zacks S&P 500 composite's -0.6% 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.
View the Zacks #1 Rank List
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Synchrony (SYF) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
For the quarter ended June 2026, Synchrony (SYF - Free Report) reported revenue of $4.61 billion, up 1.9% over the same period last year. EPS came in at $2.59, compared to $2.50 in the year-ago quarter.
The reported revenue represents a surprise of -1.14% over the Zacks Consensus Estimate of $4.66 billion. With the consensus EPS estimate being $2.08, the EPS surprise was +24.52%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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 -3% over the past month versus the Zacks S&P 500 composite's -0.6% 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.