Synchrony Financial Announces Q4 2025 Results and Dividend Declarations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 27 2026
0mins
Should l Buy SYF?
Source: Newsfilter
- Earnings Announcement: Synchrony Financial reported its Q4 2025 results, showcasing ongoing growth in the consumer financing sector, which is expected to positively impact future performance.
- Dividend Declaration: The Board declared a cash dividend of $0.30 per share of common stock, payable on February 17, 2026, demonstrating the company's commitment to shareholder returns.
- Preferred Stock Dividends: The company also announced cash dividends of approximately $14.06 and $20.63 per share for its Series A and Series B preferred stocks, respectively, further bolstering investor confidence.
- Market Position: Synchrony was ranked as the #2 Best Company to Work For in the U.S., reflecting its leadership in the consumer financing market and commitment to employee satisfaction, which may attract more talent and customers.
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Analyst Views on SYF
Wall Street analysts forecast SYF stock price to rise
15 Analyst Rating
10 Buy
5 Hold
0 Sell
Moderate Buy
Current: 71.110
Low
83.00
Averages
94.60
High
101.00
Current: 71.110
Low
83.00
Averages
94.60
High
101.00
About SYF
Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. It offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The Company primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Future Outlook: With the elimination of pandemic-related debt and a $300 million share repurchase program alongside a 12.5% dividend increase, investors should monitor whether Cinemark can leverage its improved financial health to generate sustainable cash flow.
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- Cautious Industry Response: Major credit card issuers like Capital One are in a holding pattern amidst political rhetoric, fearing that if a cap is implemented, they will be compelled to cut credit lines, adversely affecting credit access for lower-income households.
- Profitability at Risk: Analysts predict that a long-term rate cap could reduce Capital One's earnings per share by 25% or wipe them out entirely, as credit card operations account for approximately 74% of its total revenue, primarily derived from interest on customer balances.
- Acquisition Impact Significant: Capital One's $35 billion acquisition of Discover last year will be affected by any interest rate limits, as Discover's credit card balances will also be impacted, further diminishing Capital One's competitive edge, especially without a robust payment network.
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See More
Jim Cramer Comments on Synchrony Financial's Stock Outlook
- Investment Advice: Jim Cramer explicitly stated he does not want to own Synchrony Financial (SYF) and prefers Capital One (COF), indicating a lack of confidence in SYF that may influence investor decisions.
- Stock Price Dynamics: Cramer noted Capital One's stock has pulled back from $259 to $225, showcasing its attractiveness, while SYF's stock has declined by 1.1% since the comments were made, reflecting market concerns about its outlook.
- Share Repurchase Situation: Synchrony Financial has been retiring 7% of its shares annually, which somewhat boosts earnings per share; however, Cramer believes this is insufficient to offset its lack of investment appeal, potentially leading investors to reassess its value.
- Market Comparison: While SYF has potential in credit cards and healthcare financing, analysts believe it offers less upside compared to certain AI stocks, which may carry greater upside potential and less downside risk, affecting its position in investment portfolios.
See More
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UBS Target Price Adjustment: UBS has lowered its target price for a specific financial asset from $90 to $82.
Market Implications: This adjustment may reflect changing market conditions or expectations regarding the asset's performance.
See More
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Share Sale Announcement: Howse Curtis intends to sell 52,556 shares of Synchrony Financial (SYF.U.S) on February 2, with a total market value of approximately $3.8 million.
Reduction in Holdings: Since November 3, 2025, Howse Curtis has reduced his shareholding in Synchrony Financial by 12,086 shares, valued at approximately $894.61K.
See More
