| SYF |
Report |
Diluted EPS |
BEAT |
pred ~$2.36 vs. cons $2.30 |
MEDIUM |
| SYF |
Report |
Ending loan receivables |
BEAT |
pred ~$101.7B vs. cons $100.5B |
MEDIUM |
| SYF |
Report |
Net charge-off rate |
BEAT |
pred ~5.34% vs. cons 5.47% |
MEDIUM |
| SYF |
Guide |
FY26 diluted EPS outlook |
UNCHANGED |
guide ~$9.30 midpoint vs. cons $9.32 (FY26) |
MEDIUM |
| SYF |
Guide |
Year-end receivables growth outlook |
BETTER |
guide ~5.5% vs. cons 4.8% (FY26 year-end) |
MEDIUM |
| SYF |
Guide |
FY26 net charge-off-rate outlook |
UNCHANGED |
guide ~5.45% vs. cons 5.43% (FY26) |
MEDIUM |
| SYF |
Return |
Day-1 residual (stock − beta × S&P 500) |
+2.8% |
— |
MEDIUM |
| SYF |
Return |
5-day cumulative residual |
+1.2% (FADE) |
Day 1 residual ~2.8% vs. 0.0% baseline; 5-day residual ~1.2% vs. 0.0% baseline. A credit-and-growth beat should initially reward the stock, but unchanged FY26 EPS guidance near the consensus midpoint leaves limited out-period estimate upside; retailer-share, loyalty, and technology costs should constrain revisions after the initial reaction. |
MEDIUM |