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Synchrony (SYF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
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For the quarter ended September 2026, Synchrony (SYF - Free Report) reported revenue of $4.81 billion, up 1.9% over the same period last year. EPS came in at $2.68, compared to $2.86 in the year-ago quarter.
The reported revenue represents a surprise of -0.56% over the Zacks Consensus Estimate of $4.84 billion. With the consensus EPS estimate being $2.48, the EPS surprise was +8.07%.
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: 35.9% versus the four-analyst average estimate of 34.8%.
Net interest margin: 15.5% compared to the 15.5% average estimate based on four analysts.
Total - Average loan receivables, including held for sale: $102.28 billion versus the three-analyst average estimate of $102.73 billion.
Net charge-offs as a % of average loan receivables, including held for sale: 4.8% versus 5% estimated by three analysts on average.
Total - Purchase volume: $49.71 billion versus $49.21 billion estimated by three analysts on average.
Total - Period-end loan receivables: $103.35 billion versus $103.46 billion estimated by three analysts on average.
Average Balance - Total interest-earning assets: $123.08 billion compared to the $122.71 billion average estimate based on three analysts.
Platform Analysis - Digital - Purchase volume: $14.72 billion compared to the $15.17 billion average estimate based on two analysts.
Platform Analysis - Home & Auto - Period-end loan receivables: $30.89 billion compared to the $30.47 billion average estimate based on two analysts.
Platform Analysis - Digital - Average loan receivables, including held for sale: $28.83 billion compared to the $29.23 billion average estimate based on two analysts.
Platform Analysis - Diversified & Value - Purchase volume: $17.39 billion compared to the $16.75 billion average estimate based on two analysts.
Platform Analysis - Diversified & Value - Period-end loan receivables: $21.15 billion compared to the $21.05 billion average estimate based on two analysts.
Shares of Synchrony have returned -1% over the past month versus the Zacks S&P 500 composite's +0.7% 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) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
For the quarter ended September 2026, Synchrony (SYF - Free Report) reported revenue of $4.81 billion, up 1.9% over the same period last year. EPS came in at $2.68, compared to $2.86 in the year-ago quarter.
The reported revenue represents a surprise of -0.56% over the Zacks Consensus Estimate of $4.84 billion. With the consensus EPS estimate being $2.48, the EPS surprise was +8.07%.
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 -1% over the past month versus the Zacks S&P 500 composite's +0.7% 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.