Synchrony Financial, junto con sus diversas filiales, funciona como un proveedor líder de servicios financieros al consumidor en todos los Estados Unidos. ...
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BPA est. $2.38 · Ingresos $3.82B · 11 analistas
BPA est. $2.38
BPA est. $2.18 · Ingresos $3.93B · 13 analistas
BPA est. $9.35 · Ingresos $15.15B · 17 analistas
$1.20 por acción
$1.20 por acción
| Métrica | Último | InteranualYoY significa Year-over-Year (interanual). Compara el último valor anual con el valor anual anterior para mostrar la fortaleza de la tendencia a largo plazo. | TrimestralQoQ significa Quarter-over-Quarter (intertrimestral). Compara el último trimestre con el trimestre inmediatamente anterior para mostrar cambios de impulso a corto plazo. |
|---|---|---|---|
| IngresosEl dinero total que entró por la puerta principal al vender cosas, antes de pagar una sola factura. Piensa en esto como el gran total de cada compra con tarjeta de los clientes. (YoY compara el rendimiento de este año con el del año pasado, mientras que QoQ compara los tres meses actuales con los tres anteriores). | $19.1B | -7.9% | +0.6% |
| Beneficio netoEl resultado final absoluto. Si la empresa pagara a cada proveedor, empleado, banquero y recaudador de impuestos, este es el dinero real que queda en su bolsillo al final del día. | $3.6B | +1.5% | +9.9% |
| Margen brutoEl margen básico. Si venden unas zapatillas de 100 dólares, este porcentaje indica cuánto de ese precio es ganancia justo después de pagar el caucho y los cordones, pero antes de pagar el alquiler de la tienda o los anuncios de televisión. | +51.0% | +12.8% | +5.9% |
| Margen operativoLa puntuación de eficiencia del 'trabajo diario'. De cada dólar que gasta un cliente, esto muestra cuántos centavos mantiene la empresa después de fabricar el producto Y pagar todos los gastos generales corporativos (como salarios, marketing y mantener las luces encendidas). | +24.2% | +10.2% | +12.6% |
| Margen netoEl porcentaje final que se lleva a casa. Cuando se eliminan todos los costos concebibles, impuestos y pagos de intereses, este es el número exacto de centavos que la empresa realmente se queda de cada dólar en ventas. | +18.6% | +10.2% | +9.3% |
| Flujo de caja libreEl santo grial del efectivo corporativo. Es el dinero físico gastable que queda después de que el negocio paga sus operaciones diarias Y compra las actualizaciones grandes y costosas (como nuevas fábricas o servidores) que necesita para sobrevivir. Este es el dinero 'libre' que pueden usar para pagar dividendos o recomprar acciones. | $9.9B | +0.0% | +10.9% |
| Margen FCFLa tasa definitiva de conversión de efectivo. Muestra qué tan buena es la empresa para convertir ventas regulares directamente en efectivo frío, duro y gastable. Un porcentaje alto significa que el negocio es una auténtica máquina de imprimir dinero. | +51.5% | +8.6% | +10.2% |
| Deuda/PatrimonioEl indicador de riesgo financiero. Compara cuánto del imperio de la empresa se construyó con dinero prestado (préstamos) frente al dinero propio de los propietarios (accionistas). Un número alto significa que están muy apalancados y juegan un juego más arriesgado; un número bajo significa que juegan a lo seguro. | 90.6% | -2.9% | -2.5% |
| Ratio corrienteLa verificación de supervivencia de 12 meses. Simplemente compara el efectivo que tienen ahora mismo (más cosas que pueden convertirse rápidamente en efectivo) con las facturas inmediatas que absolutamente deben pagar este año. Una puntuación superior a 1 significa que tienen suficiente en la billetera para cubrir las próximas facturas sin entrar en pánico. | 0.21x | -1.5% | +180.0% |
| Activos totalesEl tamaño absoluto del imperio de la empresa. Agrupa absolutamente todo lo valioso que poseen, desde el efectivo en la caja registradora y el inventario en el almacén, hasta las patentes de software en la bóveda y las fábricas en el suelo. | $119.1B | -0.3% | +0.4% |
| Métrica | Anual (real vs estimado) | Sorpresa anual | Trimestral (real vs estimado) | Sorpresa trimestral |
|---|---|---|---|---|
| EPS Surprise | 9.29 vs 9.32 | -0.3% | 2.59 vs 2.38 | +8.8% |
| Revenue Surprise | $19.1B vs $15.0B | +27.2% | $4.7B vs $3.8B | +22.7% |
| Fecha | Ejecutivo | Cargo | Valor | Lado | Acciones | Precio |
|---|---|---|---|---|---|---|
| Aug 17, 2026 | Casellas Alberto | officer: See remarks | Dividend Equivalent Unit | A | 182 | $80.75 |
| Aug 17, 2026 | Casellas Alberto | officer: See remarks | Phantom Stock Units | A | 1 | — |
| Aug 17, 2026 | Owens Darrell | officer: See remarks | Dividend Equivalent Unit | A | 70 | $80.75 |
| Aug 17, 2026 | Tiliakos Amy | officer: See remarks | Dividend Equivalent Unit | A | 49 | $80.75 |
| Aug 17, 2026 | GUTHRIE ROY A | director | Dividend Equivalent Unit | A | 156 | $80.75 |
Operator Good morning. Welcome to the Synchrony Financial second quarter 2026 earnings conference call. Please refer to the company's investor relations website for access to their earnings materials. Please be advised that today's conference is being recorded. Currently, all callers have been placed in a listen-only mode. The call will be opened up for your questions following the conclusion of management's prepared remarks. If at any time you should need operator assistance, please press star zero. If you wish to ask a question following the prepared remarks, please press star one. I will now turn the call over to Kathryn Miller, Senior Vice President of Investor Relations. Thank you. You may begin. Kathryn Miller Thank you. Good morning, everyone. Welcome to our quarterly earnings conference call. In addition to today's press release, we have provided a presentation that covers the topics we plan to address during our call. The press release, detailed financial schedules, and presentation are available on our website, synchronyfinancial.com. This information can be accessed by going to the investor relations section of the website. Before we get started, I wanted to remind you that our comments today will include forward-looking statements. These statements are subject to risks and uncertainty, and actual results could differ materially. We list the factors that might cause actual results to differ materially in our SEC filings, which are available on our website. During the call, we will refer to non-GAAP financial measures in discussing the company's performance. You can find a reconciliation of these measures to GAAP financial measures in our materials for today's call. Finally, Synchrony Financial is not responsible for, and does not edit or guarantee the accuracy of our earnings teleconference transcripts provided by third parties. The only authorized webcasts are located on our website. On the call this morning are Brian Doubles, Synchrony's President and Chief Executive Officer, and Brian Wenzel, Executive Vice President and Chief Financial Officer. I will now turn the call over to Brian Doubles. Brian Doubles Thanks, Kathryn. Good morning, everyone. Synchrony's second quarter performance reflected strong momentum across our core business drivers. New accounts continued to grow, and average active accounts inflected to growth. Customer engagement continued to be strong, leading to higher spend per account across each of our five sales platforms and 8% growth in purchase volume, which reached an all-time high of almost $50 billion in the quarter. Growth was broad-based across all five of our sales platforms, led by diversified value. The broad utility and strong value offered by the partners in this vertical continued to resonate deeply with customers, including our ongoing partner expansion, and in combination with higher gas sales, drove a 12% increase in purchase volume compared to last year. Spend across our digital …
| Nombre | Cargo | Remuneración | Género | Año de nacimiento | Estado |
|---|---|---|---|---|---|
Brian D. Doubles | President, Chief Executive Officer & Director | USD 5,444,419 | Male | 1976 | Active |
Brian J. Wenzel | Executive Vice President & Chief Financial Officer | USD 2,438,359 | Male | 1968 | Active |
Jonathan S. Mothner | Executive Vice President & Chief Risk and Legal Officer | USD 2,178,858 | Male | 1964 | Active |
Carol D. Juel | Executive VP & CEO of Digital Platform | USD 2,156,655 | Female | 1973 | Active |
Alberto Casellas | Executive Vice President and Chief Executive Officer of Health & Wellness | USD 1,870,436 | Male | 1967 | Active |
Curtis Howse | Executive Vice President and Chief Executive Officer of Home & Auto | USD 1,817,336 | Male | 1964 | Active |
Dana Randell | Executive Vice President & Chief Audit Executive | — | Female | — | Active |
Kathryn Harmon Miller | Senior Vice President & Director of Investor Relations | — | Female | — | Active |
Casto | Executive VP and Chief People & Operations Officer | — | Male | — | Active |
Florin Arghirescu | Executive VP & CTO | — | Male | — | Active |
Courtney Gentleman | Executive VP and CEO of Diversified & Value | — | Female | 1973 | Active |
Susan Bishop | Executive VP & Chief Corporate Affairs Officer | — | Female | — | Active |
Maran Nalluswami | EVice President and Chief Strategy & Business Development Officer | — | Male | 1977 | Active |
Michael Bopp | Executive Vice President & Chief Growth Officer | — | Male | 1974 | Active |
Max Axler | Executive Vice President & Chief Credit Officer | — | Male | — | Active |
Amy Tiliakos | Senior Vice President, Chief Accounting Officer & Controller | — | Female | 1983 | Active |
Bart Schaller | Executive Vice President & Chief Executive Officer of Digital | — | Male | 1970 | Active |
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Health and wellness providers and retailers using Stripe can soon offer CareCredit to customers directly within their existing payment platform, making it easier to offer trusted financing while expanding access for more than 12 million CareCredit cardholders. Key Highlights: Simplified Provider Experience: Health and wellness providers using Stripe will soon be able to activate CareCredit directly online within the payment platform they already use, with no additional integration required.
Bank of America Corp DE cut its position in Synchrony Financial (NYSE: SYF) by 0.6% in the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The fund owned 16,064,618 shares of the financial services provider's stock after selling 93,492 shares during the quarter. Bank of
Synchrony Financial is upgraded to a "Strong Buy" due to stable credit trends, robust capital returns, and undervaluation. Q2 earnings of $2.59 beat estimates; purchase volumes rose 8%, and loan receivables grew 2% despite high payment rates. SYF's CET1 ratio increased to 13.2%, supporting aggressive buybacks and a 13+% capital return yield through dividends and repurchases.
Puntos clave: Una nueva investigación de Synchrony revela que seis de cada diez consumidores afirman que las opciones de pago flexible ayudan a hacer posibles las actividades y compras de verano. La mitad de los consumidores ha solicitado o planea solicitar financiación para sus gastos de ocio durante el verano. Los consumidores planean gastar en viajes, restaurantes, ropa, entretenimiento y mejoras para el hogar, mientras buscan activamente valor, recompensas y formas de administrar sus presupuestos. STAMFORD, Conn., 30 de julio de 2026 /PRNewswire/ -- El gasto de verano se está calentando, pero los consumidores mantienen la calma planificando con antelación y aprovechando la flexibilidad de financiación.
