| SYF |
Report |
Diluted EPS |
BEAT |
pred ~$2.12 vs. cons $2.00 |
MEDIUM |
| SYF |
Report |
Net Interest Margin |
BEAT |
pred ~15.65% vs. cons 15.40% |
MEDIUM |
| SYF |
Report |
Net Charge-off Rate |
IN-LINE |
pred ~5.55% vs. cons 5.60% |
MEDIUM |
| SYF |
Guide |
FY26 Diluted EPS Guidance |
UNCHANGED |
guide ~$9.10-$9.50 vs. cons $9.25 (FY2026) |
MEDIUM |
| SYF |
Guide |
Ending Loan Receivables Growth (accelerating H2) |
UNCHANGED |
guide ~mid-single-digit growth vs. cons ~4-5% (FY2026) |
MEDIUM |
| SYF |
Guide |
RSA as % of average receivables |
LOWER |
guide ~4.3% vs. cons 4.2% (FY2026, i.e. slightly higher RSA drag than consensus modeled) |
LOW |
| SYF |
Guide |
Buyback pace under new $6.5B program |
UNCHANGED |
guide ~$900M-$1.0B/quarter vs. cons ~$900M (Q3 2026) |
LOW |
| SYF |
Return |
Day-1 residual (stock − beta × S&P 500) |
+1.8% |
— |
MEDIUM |
| SYF |
Return |
5-day cumulative residual |
+0.4% (FADE) |
An EPS/credit beat likely drives an initial pop, but rising RSA (revenue-share to retail partners) and expense growth embedded in the FY26 framework mean sell-side will trim out-quarter EPS even after a Q2 beat, similar to the pattern following Q1's beat where shares still drifted lower into July on guidance-math concerns; initial enthusiasm should partially fade as analysts model H2 RSA/opex drag against the reaffirmed (not raised) full-year range. |
MEDIUM |