ATLASSynchrony Financial (SYF) Q3 2026 earnings results
Synchrony Financial (SYF) reported EPS of $2.68 against an analyst estimate of $2.48: a beat of $0.20 (8.1%). The quarter ended Sep 30, 2026; the company reported on Tuesday, October 20, 2026, before the open.
Status: Confirmed · cross-checked Nov 2 · Source: EODHD (calendar and fundamentals, cross-checked)
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SYF Q3 2026 results at a glance
| EPS reported | $2.68 |
|---|---|
| EPS estimate | $2.48 |
| Surprise | Beat · +$0.20 (+8.1%) |
| Quarter ended | Sep 30, 2026 |
| Reported | Oct 20, 2026, before the open |
| Status | Confirmed · cross-checked Nov 2 |
EPS is as supplied by EODHD, in US dollars per share; whether it is adjusted or GAAP follows that source. This is Synchrony Financial’s Q3 2026, a calendar-year company.
Synchrony Financial EPS surprise history: last 4 quarters
Synchrony Financial beat the EPS estimate in 4 of its last 4 reports, with an average surprise of +10.7%.
| Report date | EPS est. | EPS actual | Surprise | Result | Move* |
|---|---|---|---|---|---|
| Oct 20, 2026 | $2.48 | $2.68 | +8.1% | Beat | -0.2% |
| Jul 21, 2026 | $2.13 | $2.59 | +21.6% | Beat | -0.8% |
| Apr 21, 2026 | $2.16 | $2.27 | +5.1% | Beat | +0.1% |
| Jan 27, 2026 | $2.02 | $2.18 | +7.9% | Beat | -5.3% |
*Move: change in the closing price from the last close before the report day to the close the day after it. It is filled in a few trading days after each report.
SYF stock reaction to the report
SYF moved -1.19% in the first session that reflects the report (close of Oct 19, 2026 $74.24 to close of Oct 20, 2026 $73.36). Since the report: +3.48% (latest close $76.82 on Nov 2, 2026, against $74.24 before the reaction).
Next SYF earnings report
Synchrony Financial has not announced its next earnings date yet. This page shows a date only once it is confirmed. See the SYF earnings calendar.
ATLAS fair value and signal for SYF
| Last price | $76.82 (+2.0%) |
|---|---|
| ATLAS fair value | $149.75 (range $134.78–$164.73) · price is 49% below it |
| Chance of a higher close in 1 month | 51% (normal range $73.31–$80.89) |
These are model outputs from the same valuation and calibrated model as the Synchrony Financial stock page. They describe an ordinary period and are not a forecast of any particular outcome.
Synchrony Financial Q3 2026 earnings: frequently asked questions
Did Synchrony Financial beat earnings estimates for Q3 2026?
Synchrony Financial reported EPS of $2.68 against an analyst estimate of $2.48: a beat of $0.20 (8.1%).
When did Synchrony Financial report Q3 2026 results?
Synchrony Financial reported on Tuesday, October 20, 2026, before the open, for the quarter ended Wednesday, September 30, 2026.
How often does SYF beat EPS estimates?
In its last 4 reports with a recorded result, Synchrony Financial beat the EPS estimate 4 times; the average surprise was +10.7%. Past results do not predict the next one.
How does ATLAS confirm a result?
A result is published only after it is cross-checked: the EODHD earnings calendar and the EODHD fundamentals feed must show the same EPS for the same fiscal period, or the same value must appear in two consecutive checks. Unconfirmed figures are never published. If the figures are revised later, this page updates.
Educational information, not investment advice. Disclaimer