Latest Earnings Results: Q3 '26
Estimated EPS
$2.42
Reported EPS
$2.68
Surprise
+10.68%
Estimated Rev
$3.81B
Reported Rev
$3.82B
Surprise
+0.29%
• Reported GAAP EPS of $2.68 down -6.29% YoY • Reported revenue of $3.82B down -0.13% YoY
Bullish Takeaway
Synchrony Financial reported purchase-volume growth across all five sales platforms, added or renewed 10 partners and established an OpenAI agentic-commerce partnership, while delinquency and net charge-off rates decreased year over year.
Bearish Takeaway
Synchrony Financial reported decreased net earnings and net interest margin, an increased efficiency ratio, increased credit-loss provisions and expenses, and identified revenue concentration in a small number of partners as a risk.
Generated by Stocktwits using AI and company-reported earnings data for Q3 '26. This recap is intended to help readers understand the quarter quickly. Verify key figures in the linked source materials; the summary may contain errors and is not investment advice.
Historical Earnings
Quarterly
Annual
EPS
Revenue
| Fiscal Period | Estimated | Reported | Surprise | Result |
|---|---|---|---|---|
Q4 '26 | $2.00 | -- | -- | N/A |
Q3 '26 | $2.42 | $2.68 | 10.68% | BEAT |
Q2 '26 | $2.14 | $2.59 | 21.19% | BEAT |
Q1 '26 | $2.20 | $2.27 | 3.23% | BEAT |
Q4 '25 | $2.05 | $2.04 | -0.38% | MISSED |