Synchrony Financial reported EPS of $2.27 for the quarter reported on April 21, 2026, up 20.1% from $1.89 a year earlier. Revenue grew 6.1% year over year.
Correction, 18 September 2026: an earlier version of this post described April 21, 2026 as the end of the quarter. It is the date the results were reported.
What changed
$SYF reported results on April 21, 2026. EPS came in at $2.27, up from $1.89 in the same period a year earlier — a 20.1% year-over-year increase. Revenue grew 6.1% over the same stretch.
The earnings growth outpaced the revenue growth by a wide margin, which points to meaningful operating leverage or cost discipline working through the income statement. With a net margin of 36.4% and ROE of 21.8%, the underlying business is generating returns that most financial services peers would envy.
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The trailing P/E sits at 7.6 and the forward P/E at 7.9, both of which are low by almost any standard for a company posting this kind of earnings momentum. The ACCE 6-model fair value estimate of $130.18 represents a 76.7% premium to the current price of $73.69. That gap is large enough to warrant attention, though it reflects model assumptions rather than a guaranteed outcome.
What it means
$SYF's ACCE score is 67 out of 100. The breakdown tells a specific story: Quality scores 86, Value scores 79, Growth scores 56, and Momentum scores 47. The high Quality and Value readings align with what the earnings data shows — strong profitability metrics and a low multiple. The softer Momentum score at 47 reflects the stock's more modest price action; the 1-year return stands at 5.2%.
The FCF yield of 39.8% is a standout figure. For a financial services company, that level of cash generation relative to price is notable and supports the Value score of 79.
The analyst consensus target is $89.83, which sits well below the 6-model fair value of $130.18 but still represents meaningful upside from the current $73.69.
We do not have guidance commentary from this report, so it is not possible to say how management expects the business to perform in coming quarters. What the numbers do show is a company that grew earnings at three times the rate of its revenue, trades at a single-digit P/E, and carries a Quality score near the top of the range. The current $1.6% dividend yield adds a modest income component on top.
For the full data breakdown, see the live profile at acceinvestments.com/stocks/SYF.
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