Synchrony Financial Declares Quarterly Dividend of $0.30 (NYSE:SYF)

Synchrony Financial (NYSE:SYF) announced a quarterly dividend on Tuesday, January 27th. Stockholders of record on Friday, February 6th will be given a dividend of 0.30 per share by the financial services provider on Tuesday, February 17th. This represents a c) dividend on an annualized basis and a dividend yield of 1.6%. The ex-dividend date is Friday, February 6th.

Synchrony Financial has increased its dividend payment by an average of 0.0%per year over the last three years and has raised its dividend every year for the last 4 years. Synchrony Financial has a payout ratio of 13.8% meaning its dividend is sufficiently covered by earnings. Research analysts expect Synchrony Financial to earn $8.73 per share next year, which means the company should continue to be able to cover its $1.20 annual dividend with an expected future payout ratio of 13.7%.

Synchrony Financial Stock Down 6.1%

Shares of NYSE:SYF traded down $4.72 during midday trading on Tuesday, reaching $72.79. The company had a trading volume of 8,216,999 shares, compared to its average volume of 4,805,565. Synchrony Financial has a one year low of $40.54 and a one year high of $88.77. The company has a debt-to-equity ratio of 0.91, a current ratio of 1.24 and a quick ratio of 1.24. The stock has a market capitalization of $26.22 billion, a P/E ratio of 7.95, a PEG ratio of 0.53 and a beta of 1.43. The stock’s fifty day moving average price is $80.93 and its 200-day moving average price is $75.64.

Synchrony Financial (NYSE:SYF) last released its earnings results on Tuesday, January 27th. The financial services provider reported $2.04 earnings per share for the quarter, topping the consensus estimate of $2.02 by $0.02. Synchrony Financial had a net margin of 15.84% and a return on equity of 22.96%. The company had revenue of $3.79 billion during the quarter, compared to the consensus estimate of $3.84 billion. During the same quarter in the previous year, the firm earned $1.91 EPS. The company’s revenue was down .2% on a year-over-year basis. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. Equities research analysts expect that Synchrony Financial will post 7.67 earnings per share for the current fiscal year.

Key Stories Impacting Synchrony Financial

Here are the key news stories impacting Synchrony Financial this week:

• Positive Sentiment: Q4 EPS beat and efficiency gains: Analysts note Q4 EPS topped estimates and management cited improved operating efficiency and falling credit loss provisions, supporting profitability despite softer loan receivables. Synchrony Q4 Earnings Beat Estimates on Improved Efficiency
• Positive Sentiment: Record purchase volume / BNPL lift: Management said Q4 purchase volume hit a company record (~$49B) and that BNPL helped lift sales without hurting core card business — a growth signal for payments revenue. Synchrony Says BNPL Lifts Sales Without Hurting Cards
• Positive Sentiment: Shareholder return: Synchrony declared a quarterly common dividend of $0.30/share, signaling steady capital return to investors. Synchrony Reports Fourth Quarter 2025 Results; Company also Announces Quarterly Common Stock Dividend of $0.30 Per Share
• Neutral Sentiment: Company provided monthly credit metrics: Synchrony released December charge‑off and delinquency statistics to supplement transparency on asset quality; investors will parse trends for signs of credit deterioration or improvement. Synchrony Financial Releases December 2025 Credit Performance Metrics
• Neutral Sentiment: Earnings materials and call transcript posted: Management commentary and slides are available for deeper read — useful for investors who want detail on loan mix, reserves and buyback/dividend philosophy. Synchrony Financial (SYF) Q4 2025 Earnings Call Transcript Synchrony Financial 2025 Q4 – Results – Earnings Call Presentation
• Neutral Sentiment: Analyst metric breakdowns published: Coverage pieces compare key metrics vs. estimates and prior year for visibility into trends (revolving vs. installment, charge‑offs, NIM). Compared to Estimates, Synchrony (SYF) Q4 Earnings: A Look at Key Metrics
• Negative Sentiment: FY‑2026 EPS guidance slightly cautious: Synchrony set FY‑26 EPS at $9.10–$9.50, which sits around/barely below consensus — investors view the guide and any revenue softness as reasons to trim earnings multiple. (Guidance note published alongside results.)
• Negative Sentiment: Top‑line softness and peer underperformance: Revenue came in a touch below Street estimates and the stock has underperformed peers recently, prompting selling despite the EPS beat. Synchrony Financial stock underperforms Monday when compared to competitors despite daily gains

Synchrony Financial Company Profile

Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.

Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences.