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When does Synchrony Financial (SYF) report earnings? During market hours in 12 of its last 12 reports

Of its last 12 earnings announcements: 12 during market hours. Each one comes from the 8-K with item 2.02 that Synchrony Financial filed with the SEC, paired with the 10-Q or 10-K for that same quarter: 48 quarters since Oct 17, 2014, and every row links to its filing.

Next date: SYF does not appear in the announced-earnings calendar this site covers (Oct 21, 2026 to Nov 24, 2026). When the company announces the day it will show up here; until then there is no date, and an estimate of ours would not be one.

Most frequent session (last 12)during market hours12 of 12 with a time
8-K time (median)10:00New York time
Day of the weekTuesday8 of 12
After the quarter ends22 daysmedian over the window
Lead over the 10-Q/10-K2 sessionsmedian over the window
Quarters on file48since Oct 17, 2014

The latest, still without a report

  • Oct 20, 2026, Tuesday at 10:00 New York time (during market hours). see the 8-K
  • Aug 14, 2026, Friday at 21:37 New York time (after the close). see the 8-K

They are this company's most recent 8-K filings with item 2.02 and they do not yet have their 10-Q or 10-K behind them, so there is no way to say which quarter they belong to: they do not enter the figures above or the table, and for the same reason one of them might not be an earnings announcement at all (some companies use this same item for production figures or monthly sales).

The last 20 quarters, one by one

"Lead": trading sessions between the announcement and the full quarterly report to the SEC (10-Q, or 10-K at fiscal year end). For Synchrony Financial, a median of 2 sessions over the last 12 quarters.

AnnouncementDayTime (NY)SessionQuarter endedSEC reportLeadFiling
Jul 21, 2026Tuesday10:00during market hoursJun 30, 202610-Q · Jul 23, 20262 sessions8-K
Apr 21, 2026Tuesday10:00during market hoursMar 31, 202610-Q · Apr 23, 20262 sessions8-K
Jan 27, 2026Tuesday11:01during market hoursDec 31, 202510-K · Feb 6, 20268 sessions8-K
Oct 15, 2025Wednesday10:00during market hoursSep 30, 202510-Q · Oct 22, 20255 sessions8-K
Jul 22, 2025Tuesday10:00during market hoursJun 30, 202510-Q · Jul 23, 20251 session8-K
Apr 22, 2025Tuesday10:00during market hoursMar 31, 202510-Q · Apr 24, 20252 sessions8-K
Jan 28, 2025Tuesday11:00during market hoursDec 31, 202410-K · Feb 7, 20258 sessions8-K
Oct 16, 2024Wednesday10:00during market hoursSep 30, 202410-Q · Oct 23, 20245 sessions8-K
Jul 17, 2024Wednesday10:00during market hoursJun 30, 202410-Q · Jul 19, 20242 sessions8-K
Apr 24, 2024Wednesday10:01during market hoursMar 31, 202410-Q · Apr 25, 20241 session8-K
Jan 23, 2024Tuesday11:00during market hoursDec 31, 202310-K · Feb 8, 202412 sessions8-K
Oct 24, 2023Tuesday10:00during market hoursSep 30, 202310-Q · Oct 24, 20230 sessions8-K
Jul 18, 2023Tuesday10:00during market hoursJun 30, 202310-Q · Jul 21, 20233 sessions8-K
Apr 19, 2023Wednesday10:00during market hoursMar 31, 202310-Q · Apr 20, 20231 session8-K
Jan 23, 2023Monday11:00during market hoursDec 31, 202210-K · Feb 9, 202313 sessions8-K
Oct 25, 2022Tuesday10:01during market hoursSep 30, 202210-Q · Oct 25, 20220 sessions8-K
Jul 18, 2022Monday10:00during market hoursJun 30, 202210-Q · Jul 21, 20223 sessions8-K
Apr 18, 2022Monday10:01during market hoursMar 31, 202210-Q · Apr 21, 20223 sessions8-K
Jan 28, 2022Friday06:02before the openDec 31, 202110-K · Feb 10, 20229 sessions8-K
Oct 19, 2021Tuesday06:00before the openSep 30, 202110-Q · Oct 21, 20212 sessions8-K

The table shows the 20 most recent quarters. All 48 are in the CSV, with the same columns and one row per quarter.

Download all 48 SYF quarters as CSV → Free, no account.

How Synchrony Financial shares moved on their latest earnings

Over the 8 announcements with prices in this table, SYF rose 3 times and fell 5 times; the median move, ignoring sign, was 2.3%, against 0.5% for SPY over the same windows. The largest, +6.1%, came with the results of Oct 16, 2024. Reported EPS beat the consensus estimate in 5 of the 5 quarters with an estimate.

AnnouncementSessionWindow, close to closeSYFSPYEPS actual / expected
Jul 21, 2026during market hoursJul 20, 2026 → Jul 21, 2026−1.6%+0.8%2.59 / 2.13 (+21.9%)
Apr 21, 2026during market hoursApr 20, 2026 → Apr 21, 2026−1.2%−0.7%2.27 / 2.16 (+5.1%)
Jan 27, 2026during market hoursJan 26, 2026 → Jan 27, 2026−5.8%+0.4%2.18 / 2.02 (+7.8%)
Oct 15, 2025during market hoursOct 14, 2025 → Oct 15, 2025−0.7%+0.4%2.86 / 2.21 (+29.3%)
Jul 22, 2025during market hoursJul 21, 2025 → Jul 22, 2025+1.8%0%2.5 / 1.79 (+39.3%)
Apr 22, 2025during market hoursApr 21, 2025 → Apr 22, 2025+2.8%+2.6%
Jan 28, 2025during market hoursJan 27, 2025 → Jan 28, 2025−4.6%+0.9%
Oct 16, 2024during market hoursOct 15, 2024 → Oct 16, 2024+6.1%+0.4%

SYF window: when it reported before the open or during market hours, from the previous close to that day's. Split-adjusted closes and EPS with its estimate, from Yahoo Finance. It already happened: it does not anticipate the next announcement.

Where each number comes from

From the 8-K with item 2.02 ("Results of Operations and Financial Condition") that Synchrony Financial filed on EDGAR, the SEC's public database; only those with their 10-Q or 10-K behind them count, so other 8-Ks with the same item (production figures, monthly sales) stay out. The time is converted to New York time using this specific company's stamp convention (its EDGAR stamp arrives in UTC), and it is not assumed: it is derived from the hours in which EDGAR accepts filings.

What this data does not know

  • The exact time of the press release: the 8-K reaches EDGAR minutes or hours later, so Synchrony Financial's median 10:00 is an upper bound. The session says which one the news landed in, not what minute it was said.
  • Nothing before Oct 17, 2014: it is Synchrony Financial's oldest quarter with announcement and report paired in the file.
  • What will happen. Every date on the page already happened. Synchrony Financial reporting during market hours 18 quarters in a row does not say the next one will be the same.
  • Synchrony Financial's identity is its SEC CIK (0001601712), not its symbol: symbols get recycled and renamed.

When other Financial Services companies report earnings

More on Synchrony Financial

Synchrony Financial is in the Financial Services sector. On the model's multifactor score of Oct 21, 2026 it ranks 159 of 464, and 30 of the 57 companies in its sector that score. It is a quantitative model ranking, not a recommendation.

Synchrony Financial (SYF) analysis page →

SYF insider buys and sells →

All ~500 S&P 500 companies, sorted by when they report →

Guide: 10-K, 10-Q and 8-K · all guides

What is behind these dates

The concepts on this page, explained from scratch in the Academy. Free, no account.

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Source: EDGAR, the SEC's public database (forms 8-K, 10-Q and 10-K). Data through Oct 20, 2026. This is a list of public facts and of calculations made on them, not financial advice or a recommendation to buy or sell.

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