The strong earnings beat, coupled with the significant capital return announcement, signals strong confidence in future performance; monitor next quarter for sustained credit quality and margin expansion.
Price Chart
Executive Summary
Synchrony Financial reported Q1 2026 earnings of $805 million, or $2.27 per diluted share, beating the prior year's $1.89. Revenue rose 4% to $4.6 billion, driven by higher loan yields and lower funding costs, while credit quality improved. The company also announced a $6.5 billion share buyback and a 13% dividend increase.
Key Financial Metrics
Key Facts
- Q1 2026 net earnings: $805M vs. $757M in Q1 2025
- Diluted EPS: $2.27 vs. $1.89, a 20.1% increase
- Net interest income: $4.635B vs. $4.464B, up 3.8%
- Provision for credit losses: $1.335B vs. $1.491B, down 10.5%
- Board approved $6.5B share repurchase program and 13% dividend increase
- Net charge-offs as % of loans: 5.42% vs. 6.38%, a 96 basis point improvement
Financial Impact
EPS beat by 20.1%, revenue up 3.8%, credit loss reserve release of $97M
Risk Factors
- Macro risks from inflation, interest rates, and consumer confidence
- Regulatory changes impacting credit product pricing
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 9 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001601712-26-000013 |
| Document: earningsrelease1q26.htm | 0001601712-26-000013 |
| Document: syf-20260421.htm | 0001601712-26-000013 |
| Document: a1q26earningspresentatio.htm | 0001601712-26-000013 |
| Document: non-gaapmeasures1q26.htm | 0001601712-26-000013 |
| Document: 0001601712-26-000013-index-headers.html | 0001601712-26-000013 |
| Document: 0001601712-26-000013-index.html | 0001601712-26-000013 |
| Document: 0001601712-26-000013.txt | 0001601712-26-000013 |
| 8-K Data (Synthetic) | 0001601712-26-000013 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Aug 17, 2026 6w ago | Press Release | $80.75 $76.06 | ▼ −5.81% | ▼ −3.83% | $72.28 (−10.49%) |
Aug 5, 2026 8w ago | Court Ruling | $79.25 $78.39 | ▼ −1.09% | ▼ −0.48% | $72.28 (−8.79%) |
Aug 4, 2026 8w ago | Insider Cluster | $79.25 $78.39 | ▼ −1.09% | ▼ −0.48% | $72.28 (−8.79%) |
Aug 3, 2026 8w ago | 144 | $77.84 $77.08 | ▼ −0.98% | ▼ −2.21% | $72.28 (−7.14%) |
Jul 28, 2026 9w ago | 424B5 | $77.12 $80.77 | ▲ +4.73% | ▲ +1.35% | $72.28 (−6.28%) |
Jul 21, 2026 10w ago | 8-K | $72.21 $80.58 | ▲ +11.59% | ▲ +9.03% | $72.28 (+0.10%) |
Jul 21, 2026 10w ago | 8-K | $72.21 $80.58 | ▲ +11.59% | ▲ +9.03% | $72.28 (+0.10%) |
Jul 21, 2026 10w ago | Press Release | $72.21 $80.58 | ▲ +11.59% | ▲ +9.03% | $72.28 (+0.10%) |
Jun 29, 2026 13w ago | 8-K | $76.05 $75.31 | ▼ −0.97% | ▲ +0.06% | $72.28 (−4.96%) |
Jun 3, 2026 17w ago | 424B5 | $25.84 $25.91 | ▲ +0.27% | ▲ +1.64% | $72.28 (+179.72%) |
US Market Status
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