| Report | Options implied | Actual move | Market was |
|---|---|---|---|
| April 23, 2026 | ±3.2% | -2.6% | over-priced |
| October 22, 2025 | ±3.5% | -1.3% | over-priced |
| July 23, 2025 | ±2.5% | +2.0% | over-priced |
| April 24, 2025 | ±5.0% | +4.0% | over-priced |
| October 23, 2024 | ±2.8% | -1.2% | over-priced |
| July 19, 2024 | ±3.5% | -1.7% | over-priced |
| April 25, 2024 | ±3.2% | -0.8% | over-priced |
| October 24, 2023 | ±3.4% | -4.4% | under-priced |
| Quarter | EPS (dil.) | Revenue | Net income |
|---|---|---|---|
| Q1 FY2026 | $2.27 | $4.6B | $805M |
| Q4 FY2025 | $2.06 | $4.8B | $751M |
| Q3 FY2025 | $2.86 | $4.7B | $1.1B |
| Q2 FY2025 | $2.50 | $4.5B | $967M |
SYNCHRONY FINANCIAL (SYF) reports in 85 days, with the next report estimated for September 6, 2026. Across the last 8 reports, options priced an average ±3.4% earnings move while the stock actually moved 2.3% on average — the market has systematically over-priced SYF's earnings risk. Fundamentals into the print: EPS up 20.1% year-over-year, revenue up 3.8%. QuantLogix's live 5-factor engine currently reads SYF as a buy at 53/100.
Implied move is derived from at-the-money option pricing; actual moves are close-to-close on report days. Next-report dates are estimates until confirmed by the company. Educational market analysis, not investment advice. Browse all signal scorecards →