New York, New York--(Newsfile Corp. - May 10, 2026) - WHY: Rosen Law Firm, a global investor rights law firm, reminds purchasers of securities of Camping World Holdings, Inc. (NYSE: CWH) between April 29, 2025 and February 24, 2026, both dates inclusive (the "Class Period"), of the important May 11, 2026 lead plaintiff deadline.
SO WHAT: If you purchased Camping World securities during the Class Period you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement.
WHAT TO DO NEXT: To join the Camping World class action, go to https://rosenlegal.com/submit-form/?case_id=55841 or call Phillip Kim, Esq. toll-free at 866-767-3653 or email [email protected] for information on the class action. A class action lawsuit has already been filed. If you wish to serve as lead plaintiff, you must move the Court no later than May 11, 2026. A lead plaintiff is a representative party acting on behalf of other class members in directing the litigation.
WHY ROSEN LAW: We encourage investors to select qualified counsel with a track record of success in leadership roles. Often, firms issuing notices do not have comparable experience, resources, or any meaningful peer recognition. Many of these firms do not actually handle securities class actions, but are merely middlemen that refer clients or partner with law firms that actually litigate the cases. Be wise in selecting counsel. The Rosen Law Firm represents investors throughout the globe, concentrating its practice in securities class actions and shareholder derivative litigation. Rosen Law Firm has achieved, at that time, the largest ever securities class action settlement against a Chinese Company. Rosen Law Firm was Ranked No. 1 by ISS Securities Class Action Services for number of securities class action settlements in 2017. The firm has been ranked in the top 4 each year since 2013 and has recovered hundreds of millions of dollars for investors. In 2019 alone the firm secured over $438 million for investors. In 2020, founding partner Laurence Rosen was named by law360 as a Titan of Plaintiffs' Bar. Many of the firm's attorneys have been recognized by Lawdragon and Super Lawyers.
DETAILS OF THE CASE: According to the lawsuit, throughout the Class Period, defendants made materially false and/or misleading statements, as well as failed to disclose material adverse facts about Camping World Holdings' business, operations, and prospects. Specifically, defendants failed to disclose to investors that: (1) Camping World overstated its ability to "surgically manage [its] inventory" to optimize profit using "data analytics;" (2) Camping World overstated the retail demand of consumers it was experiencing and/or reasonably expected; (3) as a result, Camping World would require "strict, corrective inventory management objectives," negatively impacting gross profit and margins; (4) Camping World's inadequate systems and processes prevented it from ensuring reasonably accurate disclosures and/or guidance, including about the health of its balance sheet and/or the ability to manage Selling, General & Administrative ("SG&A") expenses; and (5) as a result of the foregoing, defendants' positive statements about Camping World's business, operations, and prospects were materially misleading and/or lacked a reasonable basis. When the true details entered the market, the lawsuit claims that investors suffered damages.
To join the Camping World class action, go to https://rosenlegal.com/submit-form/?case_id=55841 or call Phillip Kim, Esq. toll-free at 866-767-3653 or email [email protected] for information on the class action.
No Class Has Been Certified. Until a class is certified, you are not represented by counsel unless you retain one. You may select counsel of your choice. You may also remain an absent class member and do nothing at this point. An investor's ability to share in any potential future recovery is not dependent upon serving as lead plaintiff.
Follow us for updates on LinkedIn: https://www.linkedin.com/company/the-rosen-law-firm, on Twitter: https://twitter.com/rosen_firm or on Facebook: https://www.facebook.com/rosenlawfirm/.
Attorney Advertising. Prior results do not guarantee a similar outcome.
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To view the source version of this press release, please visit https://www.newsfilecorp.com/release/296692
Source: The Rosen Law Firm PA
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Faruqi & Faruqi, LLP Securities Litigation Partner James (Josh) Wilson Encourages Investors Who Suffered Losses In Camping World To Contact Him Directly To Discuss Their Options
If you purchased or acquired securities in Camping World between April 29, 2025 and February 24, 2026 and would like to discuss your legal rights, call Faruqi & Faruqi partner Josh Wilson directly at 877-247-4292 or 212-983-9330 (Ext. 1310).
[You may also click here for additional information]
New York, New York--(Newsfile Corp. - May 10, 2026) - Faruqi & Faruqi, LLP, a leading national securities law firm, is investigating potential claims against Camping World Holdings, Inc. ("Camping World" or the "Company") (NYSE: CWH) and reminds investors of the May 11, 2026 deadline to seek the role of lead plaintiff in a federal securities class action that has been filed against the Company.
Faruqi & Faruqi is a leading national securities law firm with offices in New York, Pennsylvania, California and Georgia. The firm has recovered hundreds of millions of dollars for investors since its founding in 1995. See www.faruqilaw.com.
As detailed below, the complaint alleges that the Company and its executives violated federal securities laws by making false and/or misleading statements and/or failing to disclose that: (i) the Company overstated its ability to "surgically manage [its] inventory" to optimize profit using "data analytics;" (ii) the Company overstated the retail demand of consumers it was experiencing and/or reasonably expected; (iii) as a result, the Company would require "strict, corrective inventory management objectives," negatively impacting gross profit and margins; (iv) the Company's inadequate systems and processes prevented it from ensuring reasonably accurate disclosures and/or guidance, including about the health of its balance sheet and/or the ability to manage SG&A expenses; and (v) that, as a result of the foregoing, Defendants' positive statements about the Company's business, operations, and prospects were materially misleading and/or lacked a reasonable basis.
On October 28, 2025, after the market closed, Camping World released its third quarter 2025 financial results, reporting, among other things, that "new vehicle revenue was $766.8 million for the third quarter, a decrease of $58.1 million, or 7.0%," "average selling price of new vehicles sold decreased 8.6%," and "new vehicle gross margin was 12.7%, a decrease of 81 basis points, driven primarily by the 8.6% decrease in the average selling price per new vehicle sold." The Company further disclosed that "total gross margin was 28.6%, a slight decrease of 27 basis points," and "the slight gross margin decrease was primarily from the reduced average selling price per new vehicle sold." The Company further disclosed it saw 2026 as a "consecutive year of Adjusted EBITDA growth, starting in the low $300 million range." Nonetheless, the Company purported to reassure investors that "this judicious conservatism, combined with our fortified balance sheet and improving leverage, has set the stage for our return to measured and accretive M&A activity across the business."
On this news, Camping World's stock fell $4.17, or 24.8%, to close at $12.65 per share on October 29, 2025, on unusually heavy trading volume.
Then, on February 24, 2026, after the market closed, Camping World released its fourth quarter 2025 results, reporting, among other things, that it had "implemented strict, corrective inventory management objectives to structurally improve [its] turnover rates" creating gross margin headwinds into 2026. The Company reported financial results, including that "net loss was $(109.1) million for the fourth quarter of 2025, an increased loss of $49.6 million, or 83.3%," "adjusted EBITDA was $(26.2) million, an increased loss of $23.7 million," "gross profit was $338.2 million, a decrease of $38.7 million, or 10.3%, and total gross margin was 28.8%, a decrease of 247 basis points." The Company also reported "new vehicle gross margin was 12.3%, a decrease of 291 basis points," and "used vehicle gross margin was 16.0%, a decrease of 277 basis points," both due to an increase in the average cost per vehicle sold and a decrease in average selling price, "driven in part by accelerated sales of aged used vehicles in December." The Company additionally reported SG&A as a percent of gross profit of 85%, a 190 basis point year over year improvement, falling far short of the Company's prior guidance for a 300 to 400 basis points improvement.
Finally, the Company announced that it would be pausing its quarterly cash dividend, effective immediately, "following consideration of forecasted tax distributions, the reduced availability of excess tax distributions to fund dividend payments driven partly by the impact of recent tax law changes, and in consideration of the Company's focus on reducing net debt leverage."
On this news, Camping World's stock price fell $1.79, or 16.5%, to close at $9.06 per share on February 25, 2026, on unusually heavy trading volume.
The court-appointed lead plaintiff is the investor with the largest financial interest in the relief sought by the class who is adequate and typical of class members who directs and oversees the litigation on behalf of the putative class. Any member of the putative class may move the Court to serve as lead plaintiff through counsel of their choice, or may choose to do nothing and remain an absent class member. Your ability to share in any recovery is not affected by the decision to serve as a lead plaintiff or not.
Faruqi & Faruqi, LLP also encourages anyone with information regarding Camping World's conduct to contact the firm, including whistleblowers, former employees, shareholders and others.
To learn more about the Camping World Holdings class action, go to www.faruqilaw.com/CWH or call Faruqi & Faruqi partner Josh Wilson directly at 877-247-4292 or 212-983-9330 (Ext. 1310).
Follow us for updates on LinkedIn, on X, or on Facebook.
Attorney Advertising. The law firm responsible for this advertisement is Faruqi & Faruqi, LLP (www.faruqilaw.com). Prior results do not guarantee or predict a similar outcome with respect to any future matter. We welcome the opportunity to discuss your particular case. All communications will be treated in a confidential manner.
To view the source version of this press release, please visit https://www.newsfilecorp.com/release/296672
Source: Faruqi & Faruqi LLP
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LOS ANGELES, May 11, 2026 (GLOBE NEWSWIRE) -- The Schall Law Firm, a national shareholder rights litigation firm, reminds investors of a class action lawsuit against Camping World Holdings, Inc. (“Camping World” or “the Company”) (NYSE: CWH) for violations of §§10(b) and 20(a) of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated thereunder by the U.S. Securities and Exchange Commission.
Investors who purchased the Company’s securities between April 29, 2025 and February 24, 2026, inclusive (the “Class Period”), are encouraged to contact the firm before May 11, 2026.
If you are a shareholder who suffered a loss, click here to participate.
We also encourage you to contact Brian Schall of the Schall Law Firm, 2049 Century Park East, Suite 2460, Los Angeles, CA 90067, at 310-301-3335, to discuss your rights free of charge. You can also reach us through the firm's website at www.schallfirm.com, or by email at [email protected].
The class, in this case, has not yet been certified, and until certification occurs, you are not represented by an attorney. If you choose to take no action, you can remain an absent class member.
According to the Complaint, the Company made false and misleading statements to the market. Camping World touted its ability to "surgically manage [its] inventory" using “data analytics” to optimize profitability. The Company overstated the retail demand of its customer base. The Company was forced to put in place “strict, corrective inventory management objectives" which would impact gross profit and margins. Based on these facts, the Company’s public statements were false and materially misleading throughout the class period. When the market learned the truth about Camping World, investors suffered damages.
Join the case to recover your losses.
The Schall Law Firm represents investors around the world and specializes in securities class action lawsuits and shareholder rights litigation.
This press release may be considered Attorney Advertising in some jurisdictions under the applicable law and rules of ethics.
CONTACT:
The Schall Law Firm
Brian Schall, Esq.,
www.schallfirm.com
Office: 310-301-3335 [email protected]
Faruqi & Faruqi, LLP Securities Litigation Partner James (Josh) Wilson Encourages Investors Who Suffered Losses In Camping World To Contact Him Directly To Discuss Their Options
If you purchased or acquired securities in Camping World between April 29, 2025 and February 24, 2026 and would like to discuss your legal rights, call Faruqi & Faruqi partner Josh Wilson directly at 877-247-4292 or 212-983-9330 (Ext. 1310).
[You may also click here for additional information]
NEW YORK--(BUSINESS WIRE)--Faruqi & Faruqi, LLP, a leading national securities law firm, is investigating potential claims against Camping World Holdings, Inc. (“Camping World” or the “Company”) (NYSE: CWH) and reminds investors of the May 11, 2026 deadline to seek the role of lead plaintiff in a federal securities class action that has been filed against the Company.
Faruqi & Faruqi is a leading national securities law firm with offices in New York, Pennsylvania, California and Georgia. The firm has recovered hundreds of millions of dollars for investors since its founding in 1995. See www.faruqilaw.com.
As detailed below, the complaint alleges that the Company and its executives violated federal securities laws by making false and/or misleading statements and/or failing to disclose that: (1) the Company overstated its ability to “surgically manage [its] inventory” to optimize profit using “data analytics;” (2) the Company overstated the retail demand of consumers it was experiencing and/or reasonably expected; (3) as a result, the Company would require “strict, corrective inventory management objectives,” negatively impacting gross profit and margins; (4) the Company’s inadequate systems and processes prevented it from ensuring reasonably accurate disclosures and/or guidance, including about the health of its balance sheet and/or the ability to manage SG&A expenses; and (5) that, as a result of the foregoing, Defendants’ positive statements about the Company’s business, operations, and prospects were materially misleading and/or lacked a reasonable basis.
On October 28, 2025, after the market closed, Camping World released its third quarter 2025 financial results, reporting, among other things, that “new vehicle revenue was $766.8 million for the third quarter, a decrease of $58.1 million, or 7.0%,” “average selling price of new vehicles sold decreased 8.6%,” and “new vehicle gross margin was 12.7%, a decrease of 81 basis points, driven primarily by the 8.6% decrease in the average selling price per new vehicle sold.” The Company further disclosed that “total gross margin was 28.6%, a slight decrease of 27 basis points,” and “the slight gross margin decrease was primarily from the reduced average selling price per new vehicle sold.” The Company further disclosed it saw 2026 as a “consecutive year of Adjusted EBITDA growth, starting in the low $300 million range.” Nonetheless, the Company purported to reassure investors that “this judicious conservatism, combined with our fortified balance sheet and improving leverage, has set the stage for our return to measured and accretive M&A activity across the business.”
On this news, Camping World’s stock fell $4.17, or 24.8%, to close at $12.65 per share on October 29, 2025, on unusually heavy trading volume.
Then, on February 24, 2026, after the market closed, Camping World released its fourth quarter 2025 results, reporting, among other things, that it had “implemented strict, corrective inventory management objectives to structurally improve [its] turnover rates” creating gross margin headwinds into 2026. The Company reported financial results, including that “net loss was $(109.1) million for the fourth quarter of 2025, an increased loss of $49.6 million, or 83.3%,” “adjusted EBITDA was $(26.2) million, an increased loss of $23.7 million,” “gross profit was $338.2 million, a decrease of $38.7 million, or 10.3%, and total gross margin was 28.8%, a decrease of 247 basis points.” The Company also reported “new vehicle gross margin was 12.3%, a decrease of 291 basis points,” and “used vehicle gross margin was 16.0%, a decrease of 277 basis points,” both due to an increase in the average cost per vehicle sold and a decrease in average selling price, “driven in part by accelerated sales of aged used vehicles in December.” The Company additionally reported SG&A as a percent of gross profit of 85%, a 190 basis point year over year improvement, falling far short of the Company’s prior guidance for a 300 to 400 basis points improvement.
Finally, the Company announced that it would be pausing its quarterly cash dividend, effective immediately, “following consideration of forecasted tax distributions, the reduced availability of excess tax distributions to fund dividend payments driven partly by the impact of recent tax law changes, and in consideration of the Company’s focus on reducing net debt leverage.”
On this news, Camping World’s stock price fell $1.79, or 16.5%, to close at $9.06 per share on February 25, 2026, on unusually heavy trading volume.
The court-appointed lead plaintiff is the investor with the largest financial interest in the relief sought by the class who is adequate and typical of class members who directs and oversees the litigation on behalf of the putative class. Any member of the putative class may move the Court to serve as lead plaintiff through counsel of their choice, or may choose to do nothing and remain an absent class member. Your ability to share in any recovery is not affected by the decision to serve as a lead plaintiff or not.
Faruqi & Faruqi, LLP also encourages anyone with information regarding Camping World’s conduct to contact the firm, including whistleblowers, former employees, shareholders and others.
To learn more about the Camping World Holdings class action, go to www.faruqilaw.com/CWH or call Faruqi & Faruqi partner Josh Wilson directly at 877-247-4292 or 212-983-9330 (Ext. 1310).
Follow us for updates on LinkedIn, on X, or on Facebook.
Attorney Advertising. The law firm responsible for this advertisement is Faruqi & Faruqi, LLP (www.faruqilaw.com). Prior results do not guarantee or predict a similar outcome with respect to any future matter. We welcome the opportunity to discuss your particular case. All communications will be treated in a confidential manner.
LOS ANGELES, May 11, 2026 (GLOBE NEWSWIRE) -- Glancy Prongay Wolke & Rotter LLP reminds investors of the upcoming May 11, 2026 deadline to file a lead plaintiff motion in the class action filed on behalf of investors who purchased or otherwise acquired Camping World Holdings, Inc. (“Camping World” or the “Company”) (NYSE: CWH) securities between April 29, 2025 and February 24, 2026, inclusive (the “Class Period”).
IF YOU SUFFERED A LOSS ON YOUR CAMPING WORLD INVESTMENTS, CLICK HERE TO INQUIRE ABOUT POTENTIALLY PURSUING CLAIMS TO RECOVER YOUR LOSS UNDER THE FEDERAL SECURITIES LAWS.
What Happened?
On October 28, 2025, Camping World released its third quarter 2025 financial results, reporting, among other things, that new vehicle revenue decreased $58.1 million, or 7.0%, the average selling price of new vehicles sold decreased 8.6%, and total gross margin decreased 27 basis points. The Company further disclosed it saw 2026 as a “consecutive year of Adjusted EBITDA growth, starting in the low $300 million range.”
On this news, Camping World’s stock fell $4.17, or 24.8%, to close at $12.65 per share on October 29, 2025, thereby injuring investors.
Then, on February 24, 2026, Camping World released its fourth quarter 2025 results, reporting, among other things, that it had “implemented strict, corrective inventory management objectives to structurally improve [its] turnover rates” creating gross margin headwinds into 2026. The Company reported financial results, including that “net loss was $(109.1) million for the fourth quarter of 2025, an increased loss of $49.6 million, or 83.3%,” “adjusted EBITDA was $(26.2) million, an increased loss of $23.7 million,” “gross profit was $338.2 million, a decrease of $38.7 million, or 10.3%, and total gross margin was 28.8%, a decrease of 247 basis points.” Finally, the Company announced that it would be pausing its quarterly cash dividend, effective immediately.
On this news, Camping World’s stock price fell $1.79, or 16.5%, to close at $9.06 per share on February 25, 2026, thereby injuring investors further.
What Is The Lawsuit About?
The complaint filed in this class action alleges that throughout the Class Period, Defendants made materially false and/or misleading statements, as well as failed to disclose material adverse facts about the Company’s business, operations, and prospects. Specifically, Defendants failed to disclose to investors that: (1) the Company overstated its ability to “surgically manage [its] inventory” to optimize profit using “data analytics;” (2) the Company overstated the retail demand of consumers it was experiencing and/or reasonably expected; (3) as a result, the Company would require “strict, corrective inventory management objectives,” negatively impacting gross profit and margins; (4) the Company’s inadequate systems and processes prevented it from ensuring reasonably accurate disclosures and/or guidance, including about the health of its balance sheet and/or the ability to manage SG&A expenses; and (5) as a result, Defendants’ positive statements about the Company’s business, operations, and prospects were materially misleading and/or lacked a reasonable basis at all relevant times.
If you purchased or otherwise acquired Camping World securities during the Class Period, you may move the Court no later than May 11, 2026 to request appointment as lead plaintiff in this putative class action lawsuit.
Contact Us To Participate or Learn More:
If you wish to learn more about this action, or if you have any questions concerning this announcement or your rights or interests with respect to these matters, please contact us:
Charles Linehan, Esq.,
Glancy Prongay Wolke & Rotter LLP,
1925 Century Park East, Suite 2100,
Los Angeles California 90067
Email: [email protected]
Telephone: 310-201-9150,
Toll-Free: 888-773-9224
Visit our website at www.glancylaw.com.
Follow us for updates on LinkedIn, Twitter, or Facebook.
If you inquire by email, please include your mailing address, telephone number and number of shares purchased.
To be a member of the class action you need not take any action at this time; you may retain counsel of your choice or take no action and remain an absent member of the class action.
This press release may be considered Attorney Advertising in some jurisdictions under the applicable law and ethical rules.
Contact Us:
Glancy Prongay Wolke & Rotter LLP,
1925 Century Park East, Suite 2100
Los Angeles, CA 90067
Charles Linehan
Email: [email protected]
Telephone: 310-201-9150
Toll-Free: 888-773-9224
Visit our website at: www.glancylaw.com.
NEW YORK, May 11, 2026 (GLOBE NEWSWIRE) -- Bronstein, Gewirtz & Grossman, LLC, a nationally recognized investor-rights law firm, announces that a class action lawsuit has been filed against Camping World Holdings, Inc. (NYSE: CWH) and certain of its officers.
This lawsuit seeks to recover damages against Defendants for alleged violations of the federal securities laws on behalf of all persons and entities that purchased or otherwise acquired Camping World securities between April 29, 2025 and February 24, 2026, both dates inclusive (the “Class Period”). Such investors are encouraged to join this case by visiting the firm’s site: bgandg.com/CWH.
Camping World Case Details
The Complaint alleges that, throughout the Class Period, Defendants made materially false and misleading statements and/or failed to disclose that:
the Company overstated its ability to “surgically manage” inventory through the use of data analytics to optimize profitability; the Company overstated the level of retail consumer demand it was experiencing and/or reasonably expected to experience; as a result, the Company would be required to implement strict corrective inventory management measures, negatively impacting gross profit and margins;
the Company’s systems and processes were inadequate to ensure reasonably accurate disclosures and guidance, including with respect to the health of its balance sheet and its ability to manage SG&A expenses; and
as a result of the foregoing, Defendants’ positive statements regarding the Company’s business, operations, and prospects were materially false and misleading and/or lacked a reasonable basis.
What's Next for Camping World Investors?
A class action lawsuit has already been filed. If you wish to review a copy of the Complaint, you can visit the firm’s site: bgandg.com/CWH. or you may contact Peretz Bronstein, Esq. or his Client Relations Manager, Nathan Miller, of Bronstein, Gewirtz & Grossman, LLC at 917-590-0911. If you suffered a loss in Camping World you have until May 11, 2026, to request that the Court appoint you as lead plaintiff. Your ability to share in any recovery doesn't require that you serve as lead plaintiff.
No Cost to Camping World Investors
We, Bronstein, Gewirtz & Grossman LLC, represent investors in class actions on a contingency fee basis. That means we will ask the court to reimburse us for out-of-pocket expenses and attorneys’ fees, usually a percentage of the total recovery, only if we are successful.
Why Bronstein, Gewirtz & Grossman, LLC for Camping World Securities Class Action?
Bronstein, Gewirtz & Grossman, LLC is a nationally recognized firm that represents investors in securities fraud class actions and shareholder derivative suits. Our firm has recovered hundreds of millions of dollars for investors nationwide. More at www.bgandg.com
"Our practice centers on restoring investor capital and ensuring corporate accountability, which serves to uphold the essential integrity of the marketplace," said Peretz Bronstein, Founding Partner of Bronstein, Gewirtz & Grossman, LLC.
Follow us for updates on LinkedIn, X, Facebook, or Instagram.
Contact Info
Peretz Bronstein, Esq. or Nathan Miller
Bronstein, Gewirtz & Grossman, LLC
917-590-0911 | [email protected]
Attorney advertising.
Prior results do not guarantee similar outcomes.
Calamos Advisors LLC increased its position in D.R. Horton, Inc. (NYSE:DHI – Free Report) by 25.8% in the 4th quarter, according to the company in its most recent Form 13F filing with the Securities & Exchange Commission. The firm owned 201,437 shares of the construction company’s stock after buying an additional 41,249 shares during the quarter. Calamos Advisors LLC owned about 0.07% of D.R. Horton worth $29,013,000 at the end of the most recent reporting period.
Several other institutional investors have also modified their holdings of the company. Capital World Investors lifted its holdings in shares of D.R. Horton by 159.8% in the third quarter. Capital World Investors now owns 30,252,842 shares of the construction company’s stock valued at $5,126,995,000 after buying an additional 18,607,545 shares during the period. Invesco Ltd. lifted its holdings in shares of D.R. Horton by 18.1% during the third quarter. Invesco Ltd. now owns 3,372,020 shares of the construction company’s stock valued at $571,456,000 after purchasing an additional 517,752 shares during the last quarter. Viking Global Investors LP lifted its holdings in shares of D.R. Horton by 108.3% during the second quarter. Viking Global Investors LP now owns 2,827,032 shares of the construction company’s stock valued at $364,461,000 after purchasing an additional 1,469,978 shares during the last quarter. Capital International Investors purchased a new stake in shares of D.R. Horton during the third quarter valued at $395,179,000. Finally, Principal Financial Group Inc. lifted its holdings in shares of D.R. Horton by 12.5% during the third quarter. Principal Financial Group Inc. now owns 2,269,557 shares of the construction company’s stock valued at $384,624,000 after purchasing an additional 252,878 shares during the last quarter. Institutional investors and hedge funds own 90.63% of the company’s stock.
D.R. Horton Stock Down 2.6% Shares of D.R. Horton stock opened at $159.95 on Friday. The stock has a 50-day moving average price of $148.13 and a 200 day moving average price of $150.61. The company has a market cap of $46.34 billion, a P/E ratio of 14.99, a P/E/G ratio of 2.62 and a beta of 1.44. The company has a current ratio of 6.46, a quick ratio of 0.98 and a debt-to-equity ratio of 0.27. D.R. Horton, Inc. has a 1 year low of $114.17 and a 1 year high of $184.54.
D.R. Horton (NYSE:DHI – Get Free Report) last announced its quarterly earnings data on Tuesday, April 21st. The construction company reported $2.24 earnings per share (EPS) for the quarter, topping the consensus estimate of $2.15 by $0.09. The firm had revenue of $7.56 billion during the quarter, compared to the consensus estimate of $9.22 billion. D.R. Horton had a return on equity of 12.94% and a net margin of 9.51%.The business’s revenue for the quarter was down 2.3% on a year-over-year basis. During the same period in the prior year, the business earned $2.58 EPS. As a group, analysts expect that D.R. Horton, Inc. will post 10.5 EPS for the current fiscal year.
D.R. Horton Announces Dividend The firm also recently disclosed a quarterly dividend, which will be paid on Thursday, May 14th. Investors of record on Thursday, May 7th will be paid a $0.45 dividend. This represents a $1.80 annualized dividend and a yield of 1.1%. The ex-dividend date of this dividend is Thursday, May 7th. D.R. Horton’s dividend payout ratio is currently 16.87%.
Insider Transactions at D.R. Horton In related news, SVP Aron M. Odom sold 260 shares of the stock in a transaction dated Friday, February 13th. The stock was sold at an average price of $167.55, for a total value of $43,563.00. Following the completion of the sale, the senior vice president directly owned 6,457 shares of the company’s stock, valued at approximately $1,081,870.35. This represents a 3.87% decrease in their position. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through this hyperlink. Corporate insiders own 0.66% of the company’s stock.
D.R. Horton News Summary Here are the key news stories impacting D.R. Horton this week:
Positive Sentiment: UBS raised its price target on D.R. Horton to $206 and moved to a “buy” rating, citing upside vs. the current price — a sizable analyst upgrade that can attract buyers. UBS raises price target to $206 Positive Sentiment: Truist published a forecast calling for strong price appreciation in DHI, adding institutional support to the bullish case. Truist Forecasts Strong Price Appreciation for D.R. Horton Positive Sentiment: Market commentary highlights a rotation of capital into housing names (DHI cited as a preferred large-cap homebuilder) on a potential future Fed pivot and rate easing—a thematic flow that can lift DHI relative to smaller builders. Neutral Sentiment: Brokerage consensus on DHI remains around “Hold” (average recommendation), suggesting mixed analyst conviction despite some buy-side upgrades. D.R. Horton Receives Average “Hold” from Brokerages Neutral Sentiment: The broader Q1 earnings backdrop is being described as generally positive, which could support cyclicals like homebuilders if the tone holds. Earnings Picture Remains Positive: A Closer Look Negative Sentiment: Peer results are weak: NVR and PulteGroup reported Q1 misses and declining revenues/settlements — signals that housing demand and margins remain under pressure and can weigh on DHI’s near-term outlook. NVR’s Q1 Earnings Miss PulteGroup Q1 Miss Negative Sentiment: D.R. Horton’s latest quarter showed an EPS beat but a revenue shortfall (revenues down year-over-year), which markets often penalize in a rate-sensitive sector where demand and backlog trends matter. (Company Q1 results and guidance context.) Wall Street Analysts Forecast Growth DHI has been the subject of several analyst reports. Weiss Ratings reaffirmed a “hold (c)” rating on shares of D.R. Horton in a report on Friday, April 10th. Bank of America set a $158.00 target price on D.R. Horton in a report on Wednesday, January 21st. Evercore upped their target price on D.R. Horton from $167.00 to $169.00 and gave the company an “in-line” rating in a report on Wednesday, January 21st. Citizens Jmp reaffirmed a “market perform” rating on shares of D.R. Horton in a report on Wednesday, January 7th. Finally, Seaport Research Partners reaffirmed a “neutral” rating on shares of D.R. Horton in a report on Tuesday, April 7th. Four analysts have rated the stock with a Buy rating, ten have given a Hold rating and two have issued a Sell rating to the company’s stock. According to data from MarketBeat, the stock currently has an average rating of “Hold” and an average price target of $168.54.
View Our Latest Stock Analysis on D.R. Horton
D.R. Horton Company Profile (Free Report)
D.R. Horton, Inc is a national homebuilding company that designs, constructs and sells new residential properties across the United States. The company’s core operations focus on building single-family detached homes, townhomes and condominiums for a range of buyer segments. In addition to home construction and sales, D.R. Horton provides complementary services through subsidiaries that support the mortgage, title and closing processes for its customers, enabling integrated transaction workflows from inventory development to home delivery.
Founded in 1978 by Donald R.
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Market volatility has a way of scattering investors—but it doesn't destroy money. It moves it. And right now, Larry Benedict, founder of The Opportunistic Trader and a 40-year market veteran, says he's watching clear rotation into three sectors with specific stocks absorbing the bulk of those flows.
The backdrop is a market that's done something genuinely unusual. After weeks of turbulence, the Nasdaq ripped roughly 20% off its lows while the S&P gained around 12–13%—one of the sharpest recoveries Benedict says he's witnessed in four decades. And yet, he's not ready to call it a new bull run. "I think we're nearer the top end of the range," he says, pointing to persistent geopolitical uncertainty, energy prices, and questions about what comes next for interest rates. He's not ultra-bearish—but he is watching risk.
That watchfulness is exactly what's driving his sector focus.
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NVIDIA Leads the Mag 7 Surge NVIDIA Today
$205.19 +0.32 (+0.16%)
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52-Week Range$140.85▼
$236.54Dividend Yield0.49%
P/E Ratio31.42
Price Target$305.67
The first and loudest rotation Benedict is tracking is into the Magnificent 7—Apple NASDAQ: AAPL, Microsoft NASDAQ: MSFT, Alphabet NASDAQ: GOOGL, NVIDIA NASDAQ: NVDA, Amazon NASDAQ: AMZN, Meta NASDAQ: META, and Tesla NASDAQ: TSLA. These names, which had been struggling for much of the early year, absorbed a massive wave of inflows during the recent rally and powered the Nasdaq to fresh highs.
The standout is NVIDIA. Benedict watched the stock fall from around $185 to roughly $165 at its low, then recover to over $200 in just two weeks—adding trillions in market cap at a pace he describes as unlike anything he's seen. "That's the big one," he says. "That's the one that's outperforming everything."
With Mag 7 earnings still ahead—NVIDIA traditionally closes out the earnings season—Benedict thinks results will be solid enough to support prices, with the caveat that the quarter after this one may start reflecting economic headwinds. For now, bulls are in control, and he's not fighting that.
D.R. Horton and the Rate-Driven Housing Setup D.R. Horton Today
$154.00 -0.43 (-0.28%)
As of 03:59 PM Eastern
This is a fair market value price provided by Massive. Learn more.
52-Week Range$119.54▼
$184.54Dividend Yield1.17%
P/E Ratio14.43
Price Target$168.54
The second sector seeing real money flow is housing—and Benedict's read here is longer-term than just the recent momentum. He believes the market is underweighting a significant catalyst: a likely change in Federal Reserve leadership. With Kevin Warsh widely expected to step in as the next Fed Chair, Benedict anticipates a pivot toward lower interest rates that could unleash pent-up housing demand.
"I think that will cause a boom in the housing market," he says. From his vantage point in South Florida, where he says he's watched 20 new high-rises go up in his town alone, the demand isn't theoretical—it's concrete.
His preferred vehicle is D.R. Horton NYSE: DHI, the largest-cap homebuilder in the sector. The logic is simple: when expressing a sector view, he wants the biggest and most liquid name.
DHI captures the housing thesis cleanly without the idiosyncratic risk of smaller builders. He acknowledges supply chain pressures could create headwinds, but believes the demand response to lower rates will more than offset them.
Oracle: The Software Sector's Undervalued Rebound Oracle Today
$184.01 -0.09 (-0.05%)
As of 03:59 PM Eastern
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52-Week Range$134.57▼
$345.72Dividend Yield1.09%
P/E Ratio31.56
Price Target$268.27
The third area—and the one Benedict seems most energized about—is enterprise software, specificallyOracle NYSE: ORCL. While Mag 7 names have largely reclaimed their losses, Oracle is still a long way from its all-time highs despite a meaningful bounce off its lows.
That gap is the opportunity, in Benedict's view. Oracle's AI infrastructure deals—including significant contracts tied to OpenAI—were the catalyst for its original run to near-trillion-dollar market cap territory. When sentiment turned and the market grew skeptical about AI CapEx spending, Oracle pulled back hard.
Benedict thinks that skepticism went too far. "The market has misjudged what these companies can actually do," he says. He sees Oracle as operating in the same AI infrastructure playing field as the Mag 7, but priced as if it isn't. Compared to fully-valued Mag 7 names, software stocks like Oracle have more room to run—even if the path is bumpy.
The risk is real: if the broader market corrects, software won't be immune. And Benedict is candid about the longer-term AI question, noting that no one knows exactly how AI monetization plays out. The dot-com era is a reference point he keeps close.
But for investors willing to hold through volatility, the setup in software stocks—beaten down, under-owned, and sitting on legitimate AI revenue relationships—is where Benedict sees the most asymmetric upside of the three sectors.
The money is moving. The question is whether you're positioned in front of it or watching from behind.
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B. Metzler seel. Sohn & Co. AG cut its stake in D.R. Horton, Inc. (NYSE:DHI – Free Report) by 40.8% during the 4th quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The firm owned 9,260 shares of the construction company’s stock after selling 6,376 shares during the period. B. Metzler seel. Sohn & Co. AG’s holdings in D.R. Horton were worth $1,334,000 as of its most recent SEC filing.
Several other large investors have also recently added to or reduced their stakes in DHI. Capital World Investors grew its stake in shares of D.R. Horton by 159.8% in the third quarter. Capital World Investors now owns 30,252,842 shares of the construction company’s stock worth $5,126,995,000 after purchasing an additional 18,607,545 shares in the last quarter. Capital International Investors bought a new position in shares of D.R. Horton in the third quarter worth $395,179,000. Boston Partners bought a new position in shares of D.R. Horton in the third quarter worth $274,784,000. Viking Global Investors LP grew its stake in shares of D.R. Horton by 108.3% in the second quarter. Viking Global Investors LP now owns 2,827,032 shares of the construction company’s stock worth $364,461,000 after purchasing an additional 1,469,978 shares in the last quarter. Finally, TD Asset Management Inc grew its stake in shares of D.R. Horton by 769.3% in the third quarter. TD Asset Management Inc now owns 893,226 shares of the construction company’s stock worth $151,375,000 after purchasing an additional 790,475 shares in the last quarter. 90.63% of the stock is owned by institutional investors and hedge funds.
Insiders Place Their Bets In related news, SVP Aron M. Odom sold 260 shares of the firm’s stock in a transaction dated Friday, February 13th. The stock was sold at an average price of $167.55, for a total transaction of $43,563.00. Following the completion of the transaction, the senior vice president owned 6,457 shares of the company’s stock, valued at $1,081,870.35. This trade represents a 3.87% decrease in their ownership of the stock. The sale was disclosed in a filing with the SEC, which is available through the SEC website. 0.66% of the stock is owned by corporate insiders.
Analyst Upgrades and Downgrades Several research analysts have recently issued reports on the company. Seaport Research Partners reissued a “neutral” rating on shares of D.R. Horton in a research note on Tuesday, April 7th. Zacks Research raised D.R. Horton from a “strong sell” rating to a “hold” rating in a research note on Friday, March 27th. Citizens Jmp reissued a “market perform” rating on shares of D.R. Horton in a research note on Wednesday, January 7th. Wells Fargo & Company increased their price target on D.R. Horton from $147.00 to $170.00 and gave the stock an “equal weight” rating in a research note on Wednesday, April 22nd. Finally, Bank of America set a $158.00 price target on D.R. Horton in a research note on Wednesday, January 21st. Four investment analysts have rated the stock with a Buy rating, ten have assigned a Hold rating and two have assigned a Sell rating to the stock. Based on data from MarketBeat.com, D.R. Horton currently has a consensus rating of “Hold” and an average price target of $168.54.
Get Our Latest Analysis on D.R. Horton
D.R. Horton Trading Up 0.0% Shares of DHI stock opened at $159.95 on Monday. The stock has a 50-day simple moving average of $148.13 and a 200 day simple moving average of $150.48. D.R. Horton, Inc. has a fifty-two week low of $114.17 and a fifty-two week high of $184.54. The stock has a market capitalization of $45.36 billion, a P/E ratio of 14.99, a P/E/G ratio of 2.54 and a beta of 1.44. The company has a quick ratio of 0.97, a current ratio of 6.46 and a debt-to-equity ratio of 0.27.
D.R. Horton (NYSE:DHI – Get Free Report) last announced its earnings results on Tuesday, April 21st. The construction company reported $2.24 earnings per share for the quarter, beating the consensus estimate of $2.15 by $0.09. D.R. Horton had a return on equity of 12.94% and a net margin of 9.51%.The business had revenue of $7.56 billion during the quarter, compared to analysts’ expectations of $9.22 billion. During the same quarter last year, the business posted $2.58 earnings per share. The company’s quarterly revenue was down 2.3% on a year-over-year basis. On average, sell-side analysts expect that D.R. Horton, Inc. will post 10.53 earnings per share for the current fiscal year.
D.R. Horton Announces Dividend The company also recently announced a quarterly dividend, which will be paid on Thursday, May 14th. Investors of record on Thursday, May 7th will be paid a dividend of $0.45 per share. The ex-dividend date of this dividend is Thursday, May 7th. This represents a $1.80 annualized dividend and a yield of 1.1%. D.R. Horton’s dividend payout ratio (DPR) is currently 16.87%.
D.R. Horton News Roundup Here are the key news stories impacting D.R. Horton this week:
Positive Sentiment: UBS raised its price target on D.R. Horton to $206 and moved to a “buy” rating, citing upside vs. the current price — a sizable analyst upgrade that can attract buyers. UBS raises price target to $206 Positive Sentiment: Truist published a forecast calling for strong price appreciation in DHI, adding institutional support to the bullish case. Truist Forecasts Strong Price Appreciation for D.R. Horton Positive Sentiment: Market commentary highlights a rotation of capital into housing names (DHI cited as a preferred large-cap homebuilder) on a potential future Fed pivot and rate easing—a thematic flow that can lift DHI relative to smaller builders. Neutral Sentiment: Brokerage consensus on DHI remains around “Hold” (average recommendation), suggesting mixed analyst conviction despite some buy-side upgrades. D.R. Horton Receives Average “Hold” from Brokerages Neutral Sentiment: The broader Q1 earnings backdrop is being described as generally positive, which could support cyclicals like homebuilders if the tone holds. Earnings Picture Remains Positive: A Closer Look Negative Sentiment: Peer results are weak: NVR and PulteGroup reported Q1 misses and declining revenues/settlements — signals that housing demand and margins remain under pressure and can weigh on DHI’s near-term outlook. NVR’s Q1 Earnings Miss PulteGroup Q1 Miss Negative Sentiment: D.R. Horton’s latest quarter showed an EPS beat but a revenue shortfall (revenues down year-over-year), which markets often penalize in a rate-sensitive sector where demand and backlog trends matter. (Company Q1 results and guidance context.) D.R. Horton Profile (Free Report)
D.R. Horton, Inc is a national homebuilding company that designs, constructs and sells new residential properties across the United States. The company’s core operations focus on building single-family detached homes, townhomes and condominiums for a range of buyer segments. In addition to home construction and sales, D.R. Horton provides complementary services through subsidiaries that support the mortgage, title and closing processes for its customers, enabling integrated transaction workflows from inventory development to home delivery.
Founded in 1978 by Donald R.
Recommended Stories Five stocks we like better than D.R. Horton Want to see what other hedge funds are holding DHI? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for D.R. Horton, Inc. (NYSE:DHI – Free Report).
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On May 12, the April reading of the Consumer Price Index (CPI) will be released. Polymarket predicts the number is most likely to come in at 3.7% or 3.8%. That "more of the same" result would support the Federal Reserve leaving interest rates unchanged.
With energy prices surging on Middle East tensions, it would seem rate cuts are firmly off the table. Unless there's a downside surprise. Incoming Federal Reserve chair Kevin Warsh has aligned with a narrative that productivity gains from artificial intelligence (AI) will be a "significant deflationary force"—one that could offset energy-driven pressures and put rate cuts back on the table.
Homebuilder and housing-related stocks are hoping for that outcome. While much consumer attention focuses on the lower leg of the K-shaped economy, the housing market is acutely tied to the upper leg—including retirees looking to trade down and first-time buyers, both squeezed by a lack of supply.
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Lower mortgage rates won't be an overnight fix. But if viewed as the first of several cuts over 18–24 months, it could give these stocks real momentum. Supporting the idea that markets are always forward-looking, several housing stocks are getting analyst price target upgrades.
D.R. Horton Uses Volume to Outperform in a Tough Housing MarketTo go with a housing metaphor, D.R. Horton Inc. NYSE: DHI is the best house in a bad neighborhood. DHI is bucking the sector trend, up over 20% in the last 12 months.
D.R. Horton Today
$154.00 -0.43 (-0.28%)
As of 03:59 PM Eastern
This is a fair market value price provided by Massive. Learn more.
52-Week Range$119.54▼
$184.54Dividend Yield1.17%
P/E Ratio14.43
Price Target$168.54
It comes down to strategy. D.R. Horton is the largest U.S. homebuilder by volume. That’s largely due to its “pace over price” strategy. The company offers incentives to keep its inventory moving. It comes at the expense of margin, but in a high-rate market, volume is more important than price. Plus, the company has in-house mortgage and financial service divisions that can allow it to fund rate buydowns directly.
Investors should keep their short-term expectations in check. DHI has been range-bound over the last six months, and it’s only up about 1% in 2026 as of this writing. It’s also trading at about 14x earnings, which is higher than its historic average. But D.R. Horton is likely to get a significant bounce on a market resurgence. It also pays a safe dividend that has been increasing at an average annual rate of over 17% in the last three years.
Lennar’s Asset-Light Strategy Will Be in Focus If Rates FallLennar Corp. NYSE: LEN represents the other side of homebuilder stocks. LEN is down 20% in the last 12 months and over 15% in 2026.
The hope comes from the company’s ongoing pivot to an asset-light model. The company offloads land development to third-party entities to reduce balance sheet exposure.
Lennar Today
$90.03 -4.92 (-5.18%)
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52-Week Range$81.18▼
$144.24Dividend Yield2.22%
P/E Ratio12.94
Price Target$97.27
That was the part of the company's Q1 2026 earnings report that analysts liked. The problem was the forward guidance, which said mortgage rates would stay around 6.2% to 6.4%. That, along with other headwinds Lennar cited, is keeping institutional investors cool on the stock.
Analysts have been lowering their price targets for LEN, but the consensus price target of $99.87 is 14% above the stock’s price as of this writing. And that may not be capturing the expected earnings growth of around 29%.
LEN trades at around 12x earnings, which is a discount to the broader market, but a premium to its historic average.
Home Depot Is a Housing Recovery PlayHome Depot NYSE: HD is the valuation play of this group. At around 22x earnings, it’s trading at a discount to both the S&P 500 and its historic average. However, critics may say that the stock looks cheap for a reason. Total sales and adjusted earnings per share were both down year over year in 2025.
Home Depot Today
HD
Home Depot
$328.37 +2.36 (+0.72%)
As of 03:59 PM Eastern
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52-Week Range$289.10▼
$426.75Dividend Yield2.84%
P/E Ratio23.32
Price Target$371.36
This reflects the fact that Home Depot’s business is adjacent to an active housing market. For a couple of years, the company benefited from a surge in remodeling. And a recent UBS survey showed that the home improvement market may be improving.
That would confirm the broader narrative that the company’s results are fixable if it can get some assistance from the housing market. For now, analysts are trending bearish and lowering their price targets. Still, the consensus price target of $410.86 implies a move of over 30% in the next 12 months.
Home Depot reports its Q1 2026 earnings on May 19. At that point, investors will be listening for the company’s forward guidance, which has been pointing to a potential recovery in the second half of 2026.
Should You Invest $1,000 in D.R. Horton Right Now?Before you consider D.R. Horton, you'll want to hear this.
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ARLINGTON, Texas--(BUSINESS WIRE)--As previously announced, D.R. Horton, Inc. (NYSE:DHI), America’s Builder, will release financial results for its third quarter ended June 30, 2026 on Tuesday, July 21, 2026 before the market opens. The Company will host a conference call that morning at 8:30 a.m. Eastern Time (ET). The dial-in number is 888-506-0062. When calling, please reference access code 832533. Participants are encouraged to call in five minutes before the call begins (8:25 a.m. ET). The call will also be webcast from the Company’s website at investor.drhorton.com.
A replay of the call will be available after 12:30 p.m. ET on Tuesday, July 21, 2026 at 877-481-4010. When calling, please reference replay passcode 54062. The teleconference replay will be available through July 28, 2026. The webcast replay will be available from the Company’s website at investor.drhorton.com through November 15, 2026.
About D.R. Horton, Inc.
D.R. Horton, Inc., America’s Builder, has been the largest homebuilder by volume in the United States since 2002 and has closed more than 1.2 million homes in its 47-year history. D.R. Horton has operations in 126 markets in 36 states across the United States and is engaged in the construction and sale of high-quality homes through its diverse product portfolio with sales prices generally ranging from $200,000 to over $1,000,000. The Company also constructs and sells both single-family and multi-family rental properties. During the twelve-month period ended March 31, 2026, D.R. Horton closed 83,832 homes in its homebuilding operations, in addition to 3,593 single-family rental homes and 2,359 multi-family rental units in its rental operations. D.R. Horton also provides mortgage financing, title services and insurance agency services for its homebuyers and is the majority-owner of Forestar Group Inc., a publicly traded national residential lot development company.
As previously announced, [url="]D.R. Horton, Inc.[/url] (NYSE: DHI), America's Builder, will release financial results for its third quarter ended June 30, 2026
On May 20, 2026, D.R. Horton Inc (DHI) shares rose 5.2% to $141.76. The stock has experienced a 52-week range between $114.17 and $184.55, reflecting significan
A month has gone by since the last earnings report for D.R. Horton (DHI - Free Report) . Shares have lost about 12.1% in that time frame, underperforming the S&P 500.
But investors have to be wondering, will the recent negative trend continue leading up to its next earnings release, or is D.R. Horton due for a breakout? Well, first let's take a quick look at the latest earnings report in order to get a better handle on the recent drivers for D.R. Horton, Inc. before we dive into how investors and analysts have reacted as of late.
D.R. Horton's Q2 Earnings Beat on Better Order MomentumD.R. Horton delivered second-quarter fiscal 2026 results with earnings beating the Zacks Consensus Estimate but revenues missing the same. The quarter was marked by an 11% jump in net sales orders and progress in tightening finished inventory, even as affordability constraints kept incentives elevated.
DHI Margins Stayed Resilient Despite Earnings DeclineThe company’s earnings of $2.24 per share were down 13.2% from $2.58 a year ago but 4.2% above the Zacks Consensus Estimate of $2.15. Total revenues (Homebuilding, Forestar, Rental and Financial Services) were $7.56 billion, down 2.3% year over year and 1.3% below the consensus mark of $7.66 billion.
Net income attributable to D.R. Horton fell 20% year over year to $647.9 million. Consolidated income before taxes was $867.4 million on $7.6 billion of revenues, producing a pre-tax profit margin of 11.5% for the quarter. Management highlighted that the pre-tax profit margin finished above the high end of its guidance range. The company also noted that the fiscal second-quarter consolidated pre-tax profit margin and home sales gross margin included a 40-basis-point benefit tied to a favorable litigation outcome and lower warranty costs. Against a backdrop of affordability pressure and cautious consumer sentiment, the ability to remain within its expected profitability range was a key takeaway from the release.
D.R. Horton’s Core Homebuilding Trends ImprovedHomebuilding revenue declined 2% year over year to $7.1 billion, while homes closed increased 1% to 19,486. Home sales revenues totaled $7.0 billion, supported by steady closing volumes across the footprint.
Demand indicators were firmer. Net sales orders rose 11% to 24,992 homes, with an order value of $9.2 billion. The cancellation rate was 16%, which was in line with the prior-year quarter. Management said incentives are expected to remain elevated in fiscal 2026, with levels dependent on demand, mortgage rates and broader market conditions. Alongside the order improvement, the company emphasized its actions to reduce unsold completed homes by 35% from a year ago, reflecting tighter execution around inventory and sales pace.
The quarter also showed contributions outside homebuilding. Rental operations generated $211.8 million of revenues (down from $236.6 million a year ago) from the sale of 566 single-family rental homes and 216 multifamily rental units, producing pre-tax income of $12.3 million. Forestar posted $374.3 million of revenues (up from $351 million a year ago) on 2,938 lots sold, with pre-tax income of $43.9 million. Financial Services delivered $192.8 million of revenues (down from $212.9 million a year ago) and $51.7 million of pre-tax income, highlighting the earnings power of the captive mortgage and related offerings.
DHI Kept Returning Cash While Maintaining LiquidityD.R. Horton continued to prioritize shareholder returns during the quarter. The company repurchased 6 million shares for $903.6 million and paid $129.7 million in cash dividends. Common shares outstanding as of March 31, 2026, were 284.9 million, down 8% from a year ago, and remaining repurchase authorization totaled $1.7 billion.
D.R. Horton’s cash, cash equivalents and restricted cash totaled $1.97 billion as of March 31, 2026, compared with $3.03 billion at the end of fiscal 2025. Yet, the balance sheet reflected solid liquidity. Total liquidity was $6 billion at the end of the quarter, and the debt-to-total capital ratio was 21.7%. For the first six months of fiscal 2026, cash provided by operations was $441.5 million, up from $210.5 million a year ago. Management also noted it has $600 million of homebuilding senior notes maturing within the next 12 months.
Profitability metrics over the trailing 12 months remained positive. Return on equity was 13.2% and return on assets was 8.9%, underscoring that the business is still generating meaningful returns even with lower year-over-year earnings.
D.R. Horton Updated Fiscal 2026 Targets and Operating PostureD.R. Horton updated fiscal 2026 consolidated revenue guidance to $33.5-$34.5 billion compared with the prior expectation of $33.5-$35 billion. This compares with $34.25 billion in fiscal 2025. The company now expects homebuilding closings of 86,000-87,500 homes compared with the earlier guidance of 86,000-88,000. This compares with 84,863 in fiscal 2025. The company reiterated several framework assumptions, including an income tax rate of about 24.5% and an operating cash flow of at least $3 billion.
Capital allocation targets were reaffirmed as well. Management continues to expect share repurchases of approximately $2.5 billion and dividend payments of approximately $500 million in fiscal 2026. Operationally, the company closed the quarter with 38,200 homes in inventory, of which 22,900 were unsold. Unsold completed homes totaled 5,500, including 800 that had been completed for more than six months, a metric investors often watch to gauge the pace of absorption and the potential need for additional incentives.
On the lot position, D.R. Horton reported 575,300 total lots owned and controlled as of March 31, 2026, with 23% owned and 77% controlled through purchase contracts. The company also noted that lots controlled included approximately 41,000 lots owned or controlled by Forestar, supporting its strategy of maintaining a flexible, capital-light pipeline in a shifting demand environment.
How Have Estimates Been Moving Since Then?In the past month, investors have witnessed a upward trend in fresh estimates.
VGM ScoresCurrently, D.R. Horton has a average Growth Score of C, though it is lagging a bit on the Momentum Score front with a D. However, the stock was allocated a score of B on the value side, putting it in the top 40% for this investment strategy.
Overall, the stock has an aggregate VGM Score of B. If you aren't focused on one strategy, this score is the one you should be interested in.
OutlookEstimates have been broadly trending upward for the stock, and the magnitude of these revisions looks promising. Notably, D.R. Horton has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months.
D.R. Horton (DHI - Free Report) ended the recent trading session at $147.81, demonstrating a +1.52% change from the preceding day's closing price. This change outpaced the S&P 500's 0.02% gain on the day. Elsewhere, the Dow gained 0.36%, while the tech-heavy Nasdaq added 0.07%.
Heading into today, shares of the homebuilder had lost 6.91% over the past month, lagging the Construction sector's loss of 0.55% and the S&P 500's gain of 5.12%.
The investment community will be closely monitoring the performance of D.R. Horton in its forthcoming earnings report. The company is scheduled to release its earnings on July 21, 2026. The company is forecasted to report an EPS of $2.98, showcasing a 11.31% downward movement from the corresponding quarter of the prior year. Meanwhile, our latest consensus estimate is calling for revenue of $9.18 billion, down 0.49% from the prior-year quarter.
Regarding the entire year, the Zacks Consensus Estimates forecast earnings of $10.57 per share and revenue of $33.86 billion, indicating changes of -8.64% and -1.14%, respectively, compared to the previous year.
Investors should also pay attention to any latest changes in analyst estimates for D.R Horton. These revisions typically reflect the latest short-term business trends, which can change frequently. With this in mind, we can consider positive estimate revisions a sign of optimism about the business outlook.
Our research shows that these estimate changes are directly correlated with near-term stock prices. To capitalize on this, we've crafted the Zacks Rank, a unique model that incorporates these estimate changes and offers a practical rating system.
The Zacks Rank system, running from #1 (Strong Buy) to #5 (Strong Sell), holds an admirable track record of superior performance, independently audited, with #1 stocks contributing an average annual return of +25% since 1988. Within the past 30 days, our consensus EPS projection has moved 0.59% lower. D.R. Horton presently features a Zacks Rank of #3 (Hold).
Investors should also note D.R. Horton's current valuation metrics, including its Forward P/E ratio of 13.77. This signifies a premium in comparison to the average Forward P/E of 13.76 for its industry.
It is also worth noting that DHI currently has a PEG ratio of 2.04. The PEG ratio bears resemblance to the frequently used P/E ratio, but this parameter also includes the company's expected earnings growth trajectory. The Building Products - Home Builders industry currently had an average PEG ratio of 1.73 as of yesterday's close.
The Building Products - Home Builders industry is part of the Construction sector. This industry, currently bearing a Zacks Industry Rank of 209, finds itself in the bottom 15% echelons of all 250+ industries.
The strength of our individual industry groups is measured by the Zacks Industry Rank, which is calculated based on the average Zacks Rank of the individual stocks within these groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.
Be sure to use Zacks.com to monitor all these stock-influencing metrics, and more, throughout the forthcoming trading sessions.
In the latest close session, D.R. Horton (DHI - Free Report) was down 2.31% at $144.50. This change lagged the S&P 500's 0.74% loss on the day. Meanwhile, the Dow experienced a drop of 1.21%, and the technology-dominated Nasdaq saw a decrease of 0.89%.
Coming into today, shares of the homebuilder had gained 0.98% in the past month. In that same time, the Construction sector lost 1.64%, while the S&P 500 gained 5.39%.
The upcoming earnings release of D.R. Horton will be of great interest to investors. The company's earnings report is expected on July 21, 2026. The company's upcoming EPS is projected at $2.98, signifying a 11.31% drop compared to the same quarter of the previous year. Alongside, our most recent consensus estimate is anticipating revenue of $9.18 billion, indicating a 0.49% downward movement from the same quarter last year.
For the full year, the Zacks Consensus Estimates are projecting earnings of $10.57 per share and revenue of $33.86 billion, which would represent changes of -8.64% and -1.14%, respectively, from the prior year.
Any recent changes to analyst estimates for D.R. Horton should also be noted by investors. These recent revisions tend to reflect the evolving nature of short-term business trends. As a result, upbeat changes in estimates indicate analysts' favorable outlook on the business health and profitability.
Based on our research, we believe these estimate revisions are directly related to near-term stock moves. Investors can capitalize on this by using the Zacks Rank. This model considers these estimate changes and provides a simple, actionable rating system.
Ranging from #1 (Strong Buy) to #5 (Strong Sell), the Zacks Rank system has a proven, outside-audited track record of outperformance, with #1 stocks returning an average of +25% annually since 1988. Over the past month, the Zacks Consensus EPS estimate remained stagnant. D.R. Horton is holding a Zacks Rank of #3 (Hold) right now.
In terms of valuation, D.R. Horton is currently trading at a Forward P/E ratio of 13.99. This represents no noticeable deviation compared to its industry average Forward P/E of 13.99.
One should further note that DHI currently holds a PEG ratio of 2.07. The PEG ratio bears resemblance to the frequently used P/E ratio, but this parameter also includes the company's expected earnings growth trajectory. The Building Products - Home Builders industry had an average PEG ratio of 1.85 as trading concluded yesterday.
The Building Products - Home Builders industry is part of the Construction sector. This industry currently has a Zacks Industry Rank of 212, which puts it in the bottom 14% of all 250+ industries.
The Zacks Industry Rank gauges the strength of our industry groups by measuring the average Zacks Rank of the individual stocks within the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.
Ensure to harness Zacks.com to stay updated with all these stock-shifting metrics, among others, in the next trading sessions.
Epam (EPAM - Free Report) came out with quarterly earnings of $2.86 per share, beating the Zacks Consensus Estimate of $2.75 per share. This compares to earnings of $2.41 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of +4.05%. A quarter ago, it was expected that this information technology services provider would post earnings of $3.16 per share when it actually produced earnings of $3.26, delivering a surprise of +3.16%.
Over the last four quarters, the company has surpassed consensus EPS estimates four times.
Epam, which belongs to the Zacks Computers - IT Services industry, posted revenues of $1.4 billion for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 0.24%. This compares to year-ago revenues of $1.3 billion. The company has topped consensus revenue estimates four times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
Epam shares have lost about 47.8% since the beginning of the year versus the S&P 500's gain of 7.6%.
What's Next for Epam?While Epam has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Epam was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $3.12 on $1.43 billion in revenues for the coming quarter and $12.76 on $5.79 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Computers - IT Services is currently in the top 34% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
One other stock from the same industry, Wix.com (WIX - Free Report) , is yet to report results for the quarter ended March 2026. The results are expected to be released on May 13.
This cloud-based web development company is expected to post quarterly earnings of $1.21 per share in its upcoming report, which represents a year-over-year change of -21.9%. The consensus EPS estimate for the quarter has been revised 21.8% higher over the last 30 days to the current level.
Wix.com's revenues are expected to be $543.79 million, up 14.8% from the year-ago quarter.
Key Takeaways EPAM posted Q1 EPS of $2.86 and revenues of $1.40B, both topping the consensus estimate.EPAM saw strong growth in Financial Services and Software & Hi-Tech, while Media stayed weak.EPAM expects 2026 revenue growth of 4-6.5% and EPS between $12.98 and $13.28. EPAM Systems Inc. (EPAM - Free Report) reported strong first-quarter 2026 results, with revenues and earnings surpassing the Zacks Consensus Estimate despite macroeconomic uncertainty. EPAM reported first-quarter non-GAAP earnings of $2.86 per share, which increased 18.7% year over year and beat the Zacks Consensus Estimates by 4%.
The company’s first-quarter revenues of $1.40 billion beat the Zacks Consensus Estimates by 0.24% and increased 7.6% year over year from $1.30 billion in the prior-year quarter. On an organic constant-currency basis, revenues grew 3.7% year over year.
EPAM’s Q1 in DetailEPAM Systems’ year-over-year revenue growth was driven by strong performance across most industry verticals, led by Financial Services and Software & Hi-Tech, while Business Information & Media remained weak.
Revenues from Financial Services (25% of total revenues) were $350.2 million, up 11.5% year over year. First-quarter revenues from Consumer Goods, Retail & Travel (19.6% of total revenues) were $273.9 million, which increased 7.2% year over year.
Revenues from Software & Hi-Tech (15.1% of total revenues) were $210.7 million, up 10.9% year over year. Life Sciences & Healthcare revenues (11.7% of total revenues) were $164.1 million, which increased 5.9% year over year.
Revenues from Business Information & Media (11.8% of total revenues) were $165.4 million, down 0.7% year over year. Emerging vertical revenues (16.8% of total revenues) were $235.8 million, which rose 6.8% year over year.
Geographically, Americas revenues were $799.5 million, up 2.5% year over year, while EMEA revenues increased 15.9% year over year to $576 million. APAC revenues grew 1.2% year over year to $24.6 million.
EPAM’s non-GAAP gross profit increased 9.9% year over year to $411.4 million, while the non-GAAP gross margin expanded 70 basis points (bps) to 29.4%.
The non-GAAP operating income increased 14.2% year over year to $200.7 million. The non-GAAP operating margin expanded 80 bps to 14.3%.
EPAM’s Balance Sheet & Cash FlowAs of March 31, 2026, EPAM had cash, cash equivalents and restricted cash of approximately $1.04 billion, down from $1.30 billion as of Dec. 31, 2025. Long-term debt was $165 million as of March 31, 2026.
During the first quarter, cash used in operating activities was $36.4 million compared with cash generated from operating activities of $24.2 million in the year-ago quarter. Free cash flow was negative $54.2 million in the quarter against a positive free cash flow of $14.8 million in the prior-year quarter.
The company continued returning capital to shareholders and spent $324 million on share repurchases during the first quarter, including $300 million under its accelerated share repurchase agreement.
EPAM Updates Q2 and 2026 GuidanceFor the second quarter of 2026, EPAM Systems expects revenues to be in the range of $1.400 billion to $1.415 billion, indicating year-over-year growth of 4% at the midpoint. The Zacks Consensus Estimate for second-quarter 2026 revenues is pegged at $1.43 billion, indicating a year-over-year rise of 5.38%.
For full-year 2026, EPAM now expects revenues to grow in the range of 4% to 6.5% year over year. The Zacks Consensus Estimate for the 2026 revenues is pegged at $5.79 billion, indicating a year-over-year rise of 6.2%.
EPAM expects non-GAAP diluted earnings per share in the range of $12.98 to $13.28. The Zacks Consensus Estimate for 2026 earnings is pegged at $12.76, indicating a year-over-year rise of 10.96%.
Zacks Rank and Stocks to ConsiderCurrently, EPAM carries a Zacks Rank #3 (Hold).
Some other top-ranked stocks in the broader Zacks Computer and Technology sector are Broadcom (AVGO - Free Report) , Celestica (CLS - Free Report) and Samsara (IOT - Free Report) , each sporting a Zacks Rank #1 (Strong Buy) at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
Shares of Broadcom have gained 21.7% year to date. The Zacks Consensus Estimate for Broadcom’s 2026 earnings is pegged at $11.45 per share, up by a penny over the past 30 days, indicating an increase of 68% year over year.
Shares of Celestica have rallied 41.7% year to date. The Zacks Consensus Estimate for Celestica’s 2026 earnings is pegged at $9.85 per share, up $1.01 over the past seven days, indicating an increase of 62.8% year over year.
Samsara shares have lost 14% year to date. The Zacks Consensus Estimate for IOT’s fiscal 2027 earnings is pegged at 68 cents per share, up 11 cents over the past 60 days, indicating an increase of 21.4% year over year.
Epam (EPAM - Free Report) reported $1.4 billion in revenue for the quarter ended March 2026, representing a year-over-year increase of 7.6%. EPS of $2.86 for the same period compares to $2.41 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $1.4 billion, representing a surprise of +0.24%. The company delivered an EPS surprise of +4.05%, with the consensus EPS estimate being $2.75.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Epam performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Headcount: 62,750 compared to the 62,926 average estimate based on two analysts.Delivery professionals: 56,500 versus 56,784 estimated by two analysts on average.Revenues by Customer Location- Americas: $799.47 million versus the two-analyst average estimate of $830.48 million. The reported number represents a year-over-year change of +2.5%.Revenues by Customer Location- APAC: $24.58 million versus $27.94 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +1.2% change.Revenues by Customer Location- EMEA: $576.01 million compared to the $533.96 million average estimate based on two analysts. The reported number represents a change of +15.9% year over year.Revenues by Industry Verticals- Financial Services: $350.2 million versus $339.15 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +11.5% change.Revenues by Industry Verticals- Software & Hi-Tech: $210.72 million compared to the $208.16 million average estimate based on two analysts. The reported number represents a change of +10.9% year over year.Revenues by Industry Verticals- Life Sciences & Healthcare: $164.13 million versus the two-analyst average estimate of $165.06 million. The reported number represents a year-over-year change of +5.9%.Revenues by Industry Verticals- Emerging Verticals: $235.75 million versus the two-analyst average estimate of $239.79 million. The reported number represents a year-over-year change of +6.9%.Revenues by Industry Verticals- Consumer Goods, Retail & Travel: $273.88 million compared to the $273.93 million average estimate based on two analysts. The reported number represents a change of +7.2% year over year.Revenues by Contract Type- Time-and-material: $1.09 billion versus the two-analyst average estimate of $1.16 billion. The reported number represents a year-over-year change of +4.5%.Revenues by Contract Type- Fixed-price: $303.71 million versus $227.03 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +20.4% change.View all Key Company Metrics for Epam here>>>
Shares of Epam have returned -15.8% over the past month versus the Zacks S&P 500 composite's +11% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Published in earnings earnings-estimates-revisions earnings-surprise
Why These 3 Tech Stocks Could Be the Best Opportunities You're OverlookingEPAM Systems NYSE: EPAM reported first-quarter 2026 revenue at the high end of its outlook and improved profitability, while management lowered its full-year revenue growth forecast amid macroeconomic uncertainty and slower decision-making among some clients.
Chief Executive Officer and President Balazs Fejes said the company delivered “a solid first quarter” with revenue growth at the high end of its guidance range, year-over-year improvement in adjusted profitability and gross margins, and strong adjusted earnings per share. Chief Financial Officer Jason Peterson said revenue rose 7.6% year over year to $1.4 billion. On an organic constant currency basis, revenue increased 3.7% from the first quarter of 2025.
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Buyback Accelerators: 3 Stocks Boosting Capacity & Spending SpeedGAAP income from operations increased approximately 18% year over year to $117 million, or 8.3% of revenue. Non-GAAP income from operations rose more than 14% to $201 million, or 14.3% of revenue. GAAP diluted earnings per share were $1.52, up from $1.28 a year earlier, while non-GAAP diluted EPS increased to $2.86 from $2.41.
AI Revenue Momentum and Anthropic Partnership Fejes said EPAM’s “pure AI” revenue exceeded $125 million in the first quarter, up nearly 20% sequentially from the fourth quarter. He said that performance gives the company “a strong line of sight” to its $600 million full-year AI revenue target, despite broader macro variability in its outlook.
Market Got It Wrong—Why Progress Software Deserves a Second LookThe company also highlighted a strategic multi-year applied AI partnership with Anthropic. Fejes said EPAM is building a dedicated practice targeting more than 10,000 Claude Certified Architects, including 250 “forward-deployed engineering black belts.” He said more than 20,000 EPAM employees have completed training through Anthropic Academy, more than 1,300 are Claude certified, and the company expects to reach 5,000 certifications by the end of the third quarter and 10,000 by year-end.
Fejes described the Anthropic relationship as an expansion rather than a pivot for EPAM. In response to an analyst question, he said EPAM expects to go to market with Anthropic on applied AI solutions and focus on “safe AI capabilities” for enterprises.
Management said demand for AI-native work remains strong. Fejes said more than 80% of EPAM’s top 100 clients are engaged in AI initiatives, and the company launched more than 100 new AI-native projects in the quarter. He also said EPAM is seeing a growing pipeline of large, AI-enabled vendor consolidation opportunities that are larger than its historical norm and use a range of commercial models.
Verticals and Regions Show Mixed Growth Peterson said EPAM delivered broad-based growth across most industry verticals in the first quarter:
Financial services revenue increased 11.5% year over year, driven by asset management and insurance clients. Software and high tech revenue grew 10.9%, supported by existing clients and new logos. Consumer goods, retail and travel revenue rose 7.2%, led by retail and consumer goods. Life sciences and healthcare revenue increased 5.9%, driven primarily by life sciences and med tech clients. Business information and media declined 0.7%. Emerging verticals grew 6.8%, driven by energy and government. Geographically, the Americas represented 57% of first-quarter revenue and grew 2.5% year over year. EMEA accounted for 41% of revenue and grew 15.9%, or 8.4% in constant currency. APAC represented 2% of revenue and grew 1.2%.
Fejes said client sentiment remained stable through the end of the first quarter, with spending continuing to shift toward AI-native and strategic deployments. However, he also said there is “more macro uncertainty today compared to 90 days ago,” particularly in North America, which is contributing to lower visibility in the second half of the year.
Guidance Lowered on Uncertainty EPAM lowered its full-year revenue growth outlook. Peterson said the company now expects 2026 revenue growth of 4% to 6.5%, including an expected positive foreign exchange impact of about 1.5%. Organic constant currency growth is now expected to be in the range of 2.5% to 5%.
The company maintained its full-year profitability outlook, expecting GAAP income from operations of 10% to 11% of revenue and non-GAAP income from operations of 15% to 16%. Full-year GAAP diluted EPS is now expected to be $8.29 to $8.59, while non-GAAP diluted EPS is expected to be $12.98 to $13.28.
For the second quarter, EPAM expects revenue of $1.4 billion to $1.415 billion, representing 4% year-over-year growth at the midpoint. Organic constant currency growth is expected to be 2.7% at the midpoint. The company guided for second-quarter GAAP diluted EPS of $1.79 to $1.87 and non-GAAP diluted EPS of $3.10 to $3.18.
Peterson said the lower full-year revenue outlook reflects the expected impact of higher energy prices and global economic uncertainty. He said the company began seeing delayed decision-making from a handful of customers in April and May. Fejes said EPAM is not assuming a significant change in the geopolitical environment in its guidance.
Large Deal Pipeline and Client Spending Trends During the question-and-answer session, analysts focused on the company’s second-half growth assumptions and large-deal pipeline. Fejes said EPAM is pursuing close to 10 outsized opportunities tied to vendor consolidation and enterprise AI transformation. He said the deals are outside EPAM’s historical norm, are not traditional time-and-materials engagements, and include commercial models involving AI and token economics.
Peterson said the guidance assumes EPAM captures only a “small subset” of those opportunities on a risk-adjusted basis. Fejes added that reaching the midpoint of the guidance range does not require EPAM to win many of the large deals, describing the midpoint as dependent on steady execution and typical deal conversion.
Management also addressed where weakness is appearing. Fejes said the travel and consumer sectors are showing some impact, while financial services and high tech continue to show strong demand. He said some clients are shifting IT budgets toward AI spending and away from areas such as digital platform or e-commerce buildouts.
Cash Flow, Headcount and Capital Allocation EPAM reported negative operating cash flow of $36 million in the first quarter, compared with positive operating cash flow of $24 million in the prior-year period. Free cash flow was negative $54 million, compared with positive free cash flow of $15 million a year earlier. Peterson said cash flow was affected by higher variable compensation payments tied to 2025 performance and the timing of certain vendor payments.
The company ended the quarter with just over $1 billion in cash and cash equivalents. EPAM repurchased approximately 1.8 million shares for $264 million during the quarter at an average price of $143.84 per share. Peterson said the company has returned approximately $1.5 billion in cash to shareholders since initiating its share repurchase program.
EPAM ended the quarter with more than 56,500 delivery professionals and more than 62,750 total employees. Peterson said the company reduced headcount in Mexico and made targeted reductions in certain geographies as part of its cost optimization program. Utilization was 77%, compared with 77.5% a year earlier and 75.4% in the fourth quarter of 2025.
On capital allocation, Peterson said EPAM expects to continue some open-market share repurchases while also looking at potential M&A opportunities later in the year. He said areas of interest include domain capabilities, data assets and geographic opportunities, most likely in Asia-Pacific.
About EPAM Systems NYSE: EPAMEPAM Systems, Inc is a global provider of digital platform engineering and software development services. The company partners with clients across industries—such as financial services, healthcare, retail, and technology—to design, develop, and maintain complex software applications and digital experiences. EPAM's offerings include custom software development, application management, infrastructure management, quality assurance, and testing services, enabling organizations to accelerate digital transformation and enhance operational efficiency.
In addition to its core engineering capabilities, EPAM delivers a range of specialized services, including product design and consulting, data and analytics, cloud computing, DevOps, and cybersecurity.
This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].
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Each stock is assigned a rating of A, B, C, D, or F based on their value, growth, and momentum characteristics. Just like in school, an A is better than a B, a B is better than a C, and so on -- that means the better the score, the better chance the stock will outperform.
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Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.
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Stock to Watch: Epam (EPAM - Free Report) Headquartered in Newtown, PA, EPAM Systems, Inc. is well known for its software engineering and IT consulting services.
EPAM is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.
It also boasts a Value Style Score of A thanks to attractive valuation metrics like a forward P/E ratio of 7.79; value investors should take notice.
Two analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.07 to $12.74 per share. EPAM also boasts an average earnings surprise of +3.8%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, EPAM should be on investors' short list.
On May 13, 2026, EPAM Systems Inc EPAM shares fell 5.0% today, bringing the current price to $90.39. This decline continues a troubling trend for the stock, which has now dropped 27.7% over the past month and 55.9% year-to-date. The stock has traded within a 52-week range of $89.25 to $222.53.
GF Value™ verdict: Current price of $90.39 is 64.5% below the GF Value™ estimate of $254.94.GF Score™ of 82/100 indicates a strong overall rating.Most notable signal: No insider selling activity reported in the last 3 months. Is EPAM Overvalued or Undervalued? Currently, EPAM Systems Inc is trading significantly below its GF Value™, which estimates the intrinsic value of the stock at $254.94. This suggests that the shares are undervalued, presenting a potential opportunity for investors who believe in the company's long-term growth prospects. The 64.5% margin of safety indicates a substantial discount to the calculated fair value, aligning with the GF Valuation label of "Significantly Undervalued." GF Value™ is GuruFocus' proprietary measure of intrinsic value, calculated from historical trading multiples, past business growth, and future performance estimates.
Despite the favorable valuation, it is crucial to approach this opportunity with caution. The stock has experienced a significant downturn, and while the valuation metrics suggest upside potential, external factors affecting the market or the company’s specific performance could pose risks to any anticipated recovery in share price.
How Does EPAM's Valuation Compare to Its History? MetricCurrentHistorical P/E (TTM)13.0x32.3x Forward P/E7.0xN/A EPAM's current P/E (TTM) of 13.0x is significantly below its 5-year median P/E of 32.3x, indicating that the stock is trading at a much lower valuation compared to its historical averages. This analysis aligns with the GF Value™ verdict, confirming that the stock is undervalued based on its historical performance metrics.
What Does EPAM's GF Score™ Tell Us? MetricRating GF Score™82 Financial Strength8/10 Profitability9/10 Growth8/10 Valuation2/10 Momentum4/10 The GF Score™ of 82/100 suggests that EPAM Systems Inc has a strong overall rating, particularly in areas such as Profitability (9/10) and Financial Strength (8/10). However, the Valuation rank of 2/10 indicates that the stock is viewed as significantly undervalued, which could be an area of concern for potential investors looking for a balance of growth and value. The Momentum rank of 4/10 reflects the recent negative price trend, suggesting caution in the short term.
What Are Insiders Doing with EPAM Stock? In the last three months, there has been no insider selling activity reported for EPAM Systems Inc, indicating that company insiders have not liquidated their holdings. This absence of selling could signal confidence among insiders regarding the future performance of the stock, as they have chosen to retain their shares during a period of market volatility.
What This Means for Investors Based on the GF Value™ analysis, EPAM Systems Inc is currently undervalued, presenting a potential opportunity for future appreciation in stock price. However, investors should be mindful of the recent downward trends and broader market conditions that may affect the company's recovery.
For the complete analysis, visit the EPAM Systems Inc EPAM stock page. You can also explore the GF Value™ page for detailed valuation methodology, or use the GuruFocus Stock Screener to find similar opportunities.
Frequently Asked Questions What is EPAM's GF Score™?
EPAM's GF Score™ is 82/100, indicating a strong overall rating based on various factors including financial strength and profitability.
Is EPAM overvalued or undervalued?
EPAM is currently undervalued, as its market price of $90.39 is significantly below the GF Value™ estimate of $254.94.
What is EPAM's P/E ratio?
EPAM's P/E (TTM) is 13.0x, which is 60% below its 5-year median P/E of 32.3x, indicating that the stock is trading at a considerably lower valuation compared to its historical averages.
This stock alert was generated using automated technology and GuruFocus financial data to provide readers with timely and accurate market reporting. This content was reviewed by GuruFocus editorial team prior to publication. Please send any questions or comments about this story to [email protected].
Taking full advantage of the stock market and investing with confidence are common goals for new and old investors, and Zacks Premium offers many different ways to do both.
The research service features daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, all of which will help you become a smarter, more confident investor.
Zacks Premium includes access to the Zacks Style Scores as well.
What are the Zacks Style Scores? The Zacks Style Scores, developed alongside the Zacks Rank, are complementary indicators that rate stocks based on three widely-followed investing methodologies; they also help investors pick stocks with the best chances of beating the market over the next 30 days.
Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.
The Style Scores are broken down into four categories:
Value ScoreValue investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and many other multiples, the Value Style Score identifies the most attractive and most discounted stocks.
Growth ScoreGrowth investors, on the other hand, are more concerned with a company's financial strength and health, and its future outlook. The Growth Style Score examines things like projected and historic earnings, sales, and cash flow to find stocks that will experience sustainable growth over time.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreIf you want a combination of all three Style Scores, then the VGM Score will be your friend. It rates each stock on their combined weighted styles, helping you find the companies with the most attractive value, best growth forecast, and most promising momentum. It's also one of the best indicators to use with the Zacks Rank.
How Style Scores Work with the Zacks Rank A proprietary stock-rating model, the Zacks Rank utilizes the power of earnings estimate revisions, or changes to a company's earnings outlook, to help investors create a successful portfolio.
Investors can count on the Zacks Rank's success, with #1 (Strong Buy) stocks producing an unmatched +23.7% average annual return since 1988, more than double the S&P 500's performance. But the model rates a large number of stocks, and there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.
That's where the Style Scores come in.
To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.
The direction of a stock's earnings estimate revisions should always be a key factor when choosing which stocks to buy, since the Scores were created to work together with the Zacks Rank.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Epam (EPAM - Free Report) Headquartered in Newtown, PA, EPAM Systems, Inc. is well known for its software engineering and IT consulting services.
EPAM is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.
Additionally, the company could be a top pick for growth investors. EPAM has a Growth Style Score of B, forecasting year-over-year earnings growth of 11.7% for the current fiscal year.
For fiscal 2026, two analysts revised their earnings estimate upwards in the last 60 days, and the Zacks Consensus Estimate has increased $0.06 to $12.84 per share. EPAM boasts an average earnings surprise of +3.8%.
With a solid Zacks Rank and top-tier Growth and VGM Style Scores, EPAM should be on investors' short list.
On May 20, 2026, EPAM Systems Inc EPAM shares rose 3.8% today, bringing the current price to $104.30. This movement occurs within a 52-week range of $89.25 to $222.53, indicating significant volatility over the past year.
GF Value™ verdict: EPAM is currently priced at $104.30, compared to a GF Value™ estimate of $255.14, indicating the stock is 59.1% undervalued.GF Score™ of 80/100 signifies a strong overall rating in terms of financial health and growth potential.Insider activity shows no buying or selling, suggesting stability or lack of confidence from insiders in the near term. Is EPAM Overvalued or Undervalued? Currently, EPAM shares are significantly undervalued according to the GF Value™, which estimates the fair value at $255.14. This implies a margin of safety of 59.1%, presenting an appealing opportunity for potential investors. The GF Valuation label categorizes EPAM as "Significantly Undervalued," indicating that the market may not fully recognize the company's intrinsic value. This could be due to the stock's recent performance, which has seen a year-to-date decline of 49.1%.
While the undervaluation presents an opportunity, it is essential to consider the risk factors associated with such a significant price drop over the past year. Factors contributing to this decline may include market sentiment, competitive pressures in the software industry, or broader economic conditions. GF Value™ is GuruFocus' proprietary measure of intrinsic value, calculated from historical trading multiples, past business growth, and future performance estimates.
How Does EPAM's Valuation Compare to Its History? Metric Current Historical P/E (TTM) 15.0x 32.3x Forward P/E 8.1x N/A EPAM's current P/E (TTM) of 15.0x is significantly below its 5-year median P/E of 32.3x, indicating that the stock is trading at a substantial discount compared to its historical valuation. The forward P/E of 8.1x further emphasizes this undervaluation. This P/E analysis aligns with the GF Value™ verdict, reinforcing the perspective that the stock is significantly undervalued at present.
What Does EPAM's GF Score™ Tell Us? Metric Rating GF Score™ 80/100 Financial Strength 7/10 Profitability 9/10 Growth 8/10 Valuation 2/10 Momentum 4/10 The GF Score™ of 80/100 indicates a strong overall rating for EPAM, particularly in the areas of Profitability (9/10) and Growth (8/10), suggesting the company has solid financial health and potential for future expansion. However, the Valuation rank of 2/10 points to significant undervaluation, indicating that the market may not be fully appreciating the company's fundamentals. The Financial Strength rating of 7/10 further supports the positive outlook, while the Momentum rank of 4/10 suggests some challenges in terms of stock price performance.
What Are Insiders Doing with EPAM Stock? In the last three months, there has been no insider buying or selling activity reported for EPAM Systems Inc. This lack of activity could suggest a sense of stability among insiders or a lack of confidence in the stock's immediate prospects. The absence of selling could indicate that insiders believe the current price does not reflect the company's true value, although the lack of buying may also imply caution in the current market environment.
What This Means for Investors Based on the GF Value™ assessment, EPAM Systems Inc is currently undervalued, presenting a significant opportunity for potential investors. The strong GF Score™ and favorable financial metrics support the notion that, despite recent challenges, the company has solid fundamentals and growth potential. However, prospective investors should remain cautious of the risks associated with recent stock performance and market conditions.
For the complete analysis, visit the EPAM Systems Inc EPAM stock page. You can also explore the GF Value™ page for detailed valuation methodology, or use the GuruFocus Stock Screener to find similar opportunities.
Frequently Asked Questions What is EPAM's GF Score™?
The GF Score™ for EPAM is 80/100, indicating a strong overall rating based on financial health, profitability, growth potential, valuation, and momentum.
Is EPAM overvalued or undervalued?
EPAM is currently undervalued, with a GF Value™ of $255.14 compared to its current price of $104.30, indicating a significant margin of safety.
What is EPAM's P/E ratio?
EPAM's P/E (TTM) is 15.0x, which is 54% below its 5-year median P/E of 32.3x, highlighting its undervaluation compared to historical levels.
This stock alert was generated using automated technology and GuruFocus financial data to provide readers with timely and accurate market reporting. This content was reviewed by GuruFocus editorial team prior to publication. Please send any questions or comments about this story to [email protected].
Earnings are arguably the most important single number on a company's quarterly financial report. Wall Street clearly dives into all of the other metrics and management's input, but the EPS figure helps cut through all the noise.
We know earnings results are vital, but how a company performs compared to bottom line expectations can be even more important when it comes to stock prices, especially in the near-term. This means that investors might want to take advantage of these earnings surprises.
The ability to identify stocks that are likely to top quarterly earnings expectations can be profitable, but it's no simple task. Here at Zacks, our Earnings ESP filter helps make things easier.
The Zacks Earnings ESP, ExplainedThe Zacks Expected Surprise Prediction, or ESP, works by locking in on the most up-to-date analyst earnings revisions because they can be more accurate than estimates from weeks or even months before the actual release date. The thinking is pretty straightforward: analysts who provide earnings estimates closer to the report are likely to have more information.
The core of the ESP model is comparing the Most Accurate Estimate to the Zacks Consensus Estimate, where the resulting percentage difference between the two equals the Expected Surprise Prediction. The Zacks Rank is also factored into the ESP metric to better help find companies that appear poised to top their next bottom-line consensus estimate, which will hopefully help lift the stock price.
Bringing together a positive earnings ESP alongside a Zacks Rank #3 (Hold) or better has helped stocks report a positive earnings surprise 70% of the time. Furthermore, by using these parameters, investors have seen 28.3% annual returns on average, according to our 10 year backtest.
Stocks with a #3 (Hold) ranking, which is most stocks covered at 60%, are expected to perform in-line with the broader market. But stocks that fall into the #2 (Buy) and #1 (Strong Buy) ranking, or the top 15% and top 5% of stocks, respectively, should outperform the market. Strong Buy stocks should outperform more than any other rank.
Should You Consider Micron?The final step today is to look at a stock that meets our ESP qualifications. Micron (MU - Free Report) earns a #1 (Strong Buy) 30 days from its next quarterly earnings release on June 24, 2026, and its Most Accurate Estimate comes in at $20.44 a share.
MU has an Earnings ESP figure of +5.69%, which, as explained above, is calculated by taking the percentage difference between the $20.44 Most Accurate Estimate and the Zacks Consensus Estimate of $19.34. Micron is one of a large database of stocks with positive ESPs. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.
MU is just one of a large group of Computer and Technology stocks with a positive ESP figure. Epam (EPAM - Free Report) is another qualifying stock you may want to consider.
Slated to report earnings on August 6, 2026, Epam holds a #3 (Hold) ranking on the Zacks Rank, and its Most Accurate Estimate is $3.15 a share 73 days from its next quarterly update.
Epam's Earnings ESP figure currently stands at +0.31% after taking the percentage difference between its Most Accurate Estimate and its Zacks Consensus Estimate of $3.14.
Because both stocks hold a positive Earnings ESP, MU and EPAM could potentially post earnings beats in their next reports.
Find Stocks to Buy or Sell Before They're ReportedUse the Zacks Earnings ESP Filter to turn up stocks with the highest probability of positively, or negatively, surprising to buy or sell before they're reported for profitable earnings season trading. Check it out here >>
Taking full advantage of the stock market and investing with confidence are common goals for new and old investors, and Zacks Premium offers many different ways to do both.
The popular research service can help you become a smarter, more self-assured investor, giving you access to daily updates of the Zacks Rank and Zacks Industry Rank, the Zacks #1 Rank List, Equity Research reports, and Premium stock screens.
Zacks Premium also includes the Zacks Style Scores.
What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.
Each stock is assigned a rating of A, B, C, D, or F based on their value, growth, and momentum characteristics. Just like in school, an A is better than a B, a B is better than a C, and so on -- that means the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreValue investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and many other multiples, the Value Style Score identifies the most attractive and most discounted stocks.
Growth ScoreWhile good value is important, growth investors are more focused on a company's financial strength and health, and its future outlook. The Growth Style Score takes projected and historic earnings, sales, and cash flow into account to uncover stocks that will see long-term, sustainable growth.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.
It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +23.7% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.
That's where the Style Scores come in.
You want to make sure you're buying stocks with the highest likelihood of success, and to do that, you'll need to pick stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you like a stock that only has a #3 (Hold) rank, it should also have Scores of A or B to guarantee as much upside potential as possible.
Since the Scores were created to work together with the Zacks Rank, the direction of a stock's earnings estimate revisions should be a key factor when choosing which stocks to buy.
Here's an example: a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one with Style Scores of A and B, still has a downward-trending earnings outlook, and a bigger chance its share price will decrease too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Epam (EPAM - Free Report) Headquartered in Newtown, PA, EPAM Systems, Inc. is well known for its software engineering and IT consulting services.
EPAM is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.
It also boasts a Value Style Score of A thanks to attractive valuation metrics like a forward P/E ratio of 7.64; value investors should take notice.
Seven analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.28 to $13.06 per share. EPAM also boasts an average earnings surprise of +3.8%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, EPAM should be on investors' short list.
Stocks futures are pointing lower this morning after major indexes closed at record highs yesterday, as investors await economic data and earnings reports; a key inflation indicator is due to be released this morning; Snowflake shares are soaring after the cloud software company reported earnings and announced a paid of deals; Costco and Dell are scheduled to release their quarterly results after the closing bell; and FedEx Freight will start trading on Monday after completing a spinoff from its parent company. Here's what you need to know today.
Mortgage rates ticked higher again this week, reaching their loftiest level since August and adding another headwind to an already strained housing market. The average rate on a 30-year fixed mortgage climbed to 6.53%, up from 6.51% the prior week, according to Freddie Mac, arriving at a nine-month high during what is traditionally the most critical stretch of the year for home sales.
The Nasdaq Composite has turned higher, up 0.77% on the day.
May 28, 2026 at 11:12 AM EDT
Nebius Group (Nasdaq: NBIS) stock is soaring by 8% today on the heels of an impressive earnings print in which revenue soared by a triple-digit percentage. The company also clinched a multi-billion-dollar contract with Meta Platforms (Nasdaq; META), helping to buoy sentiment even further.
May 28, 2026 at 9:59 AM EDT
Snowflake (NYSE:SNOW | SNOW Price Prediction) delivered a Q1 report that is turning heads, posting product revenue of $1.33 billion and product gross profit of $947.5 million, while GAAP operating loss came in at $326.2 million and GAAP EPS of -$0.86. Alongside the numbers, the cloud data platform announced a $6 billion, five-year commitment to Amazon Web Services and formalized a multi-year strategic collaboration with AWS centered on accelerating enterprise agentic AI adoption. The partnership is already generating traction, with customers including Fetch and Hex actively deploying AI applications on the Snowflake platform. Snow stock is soaring by 35% today.
This article will be updated throughout the day, so check back often for more daily updates.
The Nasdaq Composite dipped 0.2% Thursday in a session defined by cautious optimism on the inflation front and a fresh flare-up in Middle East tensions that sent oil prices climbing back above $90 a barrel. It was a day of offsetting forces, with an in-line inflation reading offering some relief before geopolitical headlines moved back to center stage.
April’s Personal Consumption Expenditures price index came in at a seasonally adjusted 0.4% monthly gain, with the 12-month rate holding at 3.8%, matching economist expectations. The cooler monthly print gave traders a measure of comfort that pricing pressures may be starting to ease, though with inflation still running well above the Federal Reserve’s 2% target, the all-clear is far from sounded.
Oil reasserted itself as a market variable, with WTI crude futures rising roughly 2% to top $90 a barrel and Brent gaining nearly 2% to push above $96, after Iran’s Revolutionary Guard claimed it targeted a U.S. airbase, according to the Tasnim News Agency, following fresh U.S. military strikes on an Iranian military site. The escalation revived concerns over Strait of Hormuz disruptions that markets had only recently begun to look past.
The U.S. economy grew at a 1.6% annualized rate in the first quarter, falling short of the 2.0% estimate and coming in below the initially reported pace, according to the latest GDP revision from the Commerce Department. The downward revision adds to a growing list of data points suggesting the economy is losing some momentum, though the reading still marks a meaningful step up from the prior quarter’s 0.5% growth rate
The session’s standout mover was Snowflake (NYSE:SNOW), which soared 38% in premarket trading after delivering a Q1 earnings and revenue beat alongside stronger-than-expected fiscal Q2 guidance. The company also announced a five-year, $6 billion commitment to Amazon (Nasdaq: AMZN) Web Services.
Here’s a look at where things stand as of morning trading:
Dow Jones Industrial Average: 50,545 Down 0.19%
Nasdaq Composite: 26,595 Down 0.30%
S&P 500: 7,509 Down 0.14%
Market Movers FedEx Freight (NYSE:FDXF) is heading to the S&P 500, with the trucking spinoff set to join the index on June 1st, replacing EPAM Systems (NYSE:EPAM) in the process. The addition marks FedEx Freight’s first major index milestone since being spun off from its parent company, a move that is expected to trigger automatic buying from the vast pool of funds benchmarked to the S&P 500.
IBM (NYSE:IBM) is making a decade-defining bet on quantum computing, committing more than $10 billion to the technology over the next five years according to a regulatory filing. The company also reaffirmed its target to deliver its first large-scale fault-tolerant quantum computer by 2029, a milestone that would mark a significant leap from today’s error-prone systems and push IBM to the forefront of what many consider the next major frontier in computing.
Taking full advantage of the stock market and investing with confidence are common goals for new and old investors, and Zacks Premium offers many different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
It also includes access to the Zacks Style Scores.
What are the Zacks Style Scores? The Zacks Style Scores, developed alongside the Zacks Rank, are complementary indicators that rate stocks based on three widely-followed investing methodologies; they also help investors pick stocks with the best chances of beating the market over the next 30 days.
Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.
The Style Scores are broken down into four categories:
Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreWhat if you like to use all three types of investing? The VGM Score is a combination of all Style Scores, making it one of the most comprehensive indicators to use with the Zacks Rank. It rates each stock on their combined weighted styles, which helps narrow down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank A proprietary stock-rating model, the Zacks Rank utilizes the power of earnings estimate revisions, or changes to a company's earnings outlook, to help investors create a successful portfolio.
Investors can count on the Zacks Rank's success, with #1 (Strong Buy) stocks producing an unmatched +23.7% average annual return since 1988, more than double the S&P 500's performance. But the model rates a large number of stocks, and there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.
That's where the Style Scores come in.
To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.
The direction of a stock's earnings estimate revisions should always be a key factor when choosing which stocks to buy, since the Scores were created to work together with the Zacks Rank.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Epam (EPAM - Free Report) Headquartered in Newtown, PA, EPAM Systems, Inc. is well known for its software engineering and IT consulting services.
EPAM is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.
Additionally, the company could be a top pick for growth investors. EPAM has a Growth Style Score of B, forecasting year-over-year earnings growth of 13.9% for the current fiscal year.
Nine analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.34 to $13.10 per share. EPAM also boasts an average earnings surprise of +3.8%.
With a solid Zacks Rank and top-tier Growth and VGM Style Scores, EPAM should be on investors' short list.
Energy companies gain faster decision making and competitive advantage through integrated, barrier-free workflows
, /PRNewswire/ -- EPAM Systems, Inc. (NYSE: EPAM), a leading digital and AI transformation company, with TGS, a leading provider of energy data and intelligence, today announced the successful deployment of TGS Imaging AnyWare® on Amazon Web Services (AWS). TGS has begun the migration of its imaging systems to AWS Cloud to leverage the agility, cost and performance benefits of elastic cloud infrastructure. The next-generation platform enables select seismic imaging workflows to run much faster with lower computing costs, improving service delivery to energy companies. This milestone advances the Companies' ongoing work to optimize and AI-enable workflows across the energy sector.
EPAM and TGS Announce Strategic Collaboration to Accelerate AI Adoption at Scale in Energy Sector Energy companies face mounting pressure to extract value from subsurface data faster and more cost-effectively than ever before. The technical barriers are significant: managing petabyte-scale seismic datasets, running deeply parallel imaging and interpretation workloads efficiently and scaling computational capacity without locking capital into infrastructure that can't flex with project demands. Traditional, on-premises systems struggle to meet these requirements, creating bottlenecks that delay critical exploration and production decisions. TGS has now brought a modernized platform into production that addresses these challenges directly, built in collaboration with EPAM, on AWS, to deliver integrated, cloud-native workflows at scale.
"True digital transformation in energy requires partners who understand both the technical complexity and the operational realities of the sector," said Jason Harman, SVP, Head of Business ME & APAC, Energy at EPAM. "Our collaboration with TGS on AWS aims to deliver capabilities that weren't economically or technically feasible before — enabling energy companies to extract more value from subsurface data, faster and at scale."
The collaboration delivers three core capabilities that modernize subsurface operations:
Subsurface Data as a Service – TGS Data Verse delivers centralized, secure and democratized access to seismic and well data through an OSDU-compliant, EPAM-engineered streaming architecture — enabling in-browser visualization and on-demand delivery that accelerates exploration and production decision-making. Cloud-Native Seismic Imaging at Scale – TGS Imaging AnyWare, modernized by EPAM on AWS, will deliver benchmarked performance gains on select seismic imaging workflows through AWS Graviton-based instances and cost reductions vs on-demand pricing using AWS Spot generic instances. Composable Workflows and AI Enablement – EPAM's Energy HPC Orchestrator (EHO), built on AWS cloud infrastructure, enables modular, end-to-end subsurface workflows, with TGS shaping next-generation capabilities. "TGS has a bold vision for the future of seismic imaging, and AWS is providing the elastic compute, AI services and purpose-built infrastructure to help make it a reality," said Joseph Santamaria, General Manager, Energy & Utilities at AWS. "Together with EPAM, we're helping TGS move energy operators from data to discovery faster and more cost-effectively than ever before."
EPAM's migration of TGS Imaging AnyWare to AWS represents a broader shift in how subsurface operations can be modernized for the cloud era. By bridging TGS's vision to become an AI-native geoscience company with AWS's computational scale and EPAM's cloud engineering expertise, the collaboration establishes an infrastructure foundation for AI-enabled energy workflows that on-premises operations were never built to deliver.
"The collaboration between TGS and both EPAM and AWS has delivered not just new technical capabilities, but a fundamentally better cost-performance model that adds agility and the latest computing innovations to our operations," said Wadii El Karkouri, Executive Vice President of Technology at TGS. "The result is computational gravity, drawing the right data, expertise and infrastructure into a unified environment that transforms complexity into competitive advantage for energy companies."
Learn how EPAM helps energy companies break through integration barriers, accelerate innovation and unlock competitive advantage through AI-native transformation at epam.com/services/partners/aws/amazon-web-services-energy-and-utilities.
About EPAM Systems, Inc.
EPAM (NYSE:EPAM) is a global leader in AI transformation engineering and integrated consulting, serving Forbes Global 2000 companies and ambitious startups. With over thirty years of expertise in custom software, product and platform engineering, EPAM empowers organizations to become AI-Native enterprises, driving measurable value from innovation and digital investments. Recognized by industry benchmarks and leading analysts as a leader in AI, EPAM delivers globally while engaging locally, making the future real for clients, partners, and employees.
We are proud to be recognized by Forbes, Glassdoor, Newsweek, Time Magazine, Great Place to Work and kununu as a Most Loved Workplace around the world.
Learn more at www.epam.com and follow us on LinkedIn.
About TGS
TGS provides advanced data and intelligence to companies active in the energy sector. With leading-edge technology and solutions spanning the entire energy value chain, TGS offers a comprehensive range of insights to help clients make better decisions. Our broad range of products and advanced data technologies, coupled with a global, extensive and diverse energy data library, make TGS a trusted partner in supporting the exploration and production of energy resources worldwide. For further information, please visit www.tgs.com.
About Amazon Web Services
Amazon Web Services (AWS) is guided by customer obsession, pace of innovation, commitment to operational excellence, and long-term thinking. By democratizing technology for nearly two decades and making cloud computing and generative AI accessible to organizations of every size and industry, AWS has built one of the fastest-growing enterprise technology businesses in history. Millions of customers trust AWS to accelerate innovation, transform their businesses, and shape the future. With the most comprehensive AI capabilities and global infrastructure footprint, AWS empowers builders to turn big ideas into reality. Learn more at aws.amazon.com and follow @AWSNewsroom.
Forward-Looking Statements
This press release includes estimates and statements which may constitute forward-looking statements made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, the accuracy of which are necessarily subject to risks, uncertainties, and assumptions as to future events that may not prove to be accurate. Our estimates and forward-looking statements are mainly based on our current expectations and estimates of future events and trends, which affect or may affect our business and operations. These statements may include words such as "may," "will," "should," "believe," "expect," "anticipate," "intend," "plan," "estimate" or similar expressions. Those future events and trends may relate to, among other things, developments relating to the war in Ukraine and escalation of the war in the surrounding region, political and civil unrest or military action in the geographies where we conduct business and operate, difficult conditions in global capital markets, foreign exchange markets, global trade, and the broader economy, the adoption and implementation of artificial intelligence technologies by EPAM and its clients, and the effect that these events may have on client demand and our revenues, operations, access to capital, and profitability. Other factors that could cause actual results to differ materially from those expressed or implied include general economic conditions, the risk factors discussed in the Company's most recent Annual Report on Form 10-K and the factors discussed in the Company's Quarterly Reports on Form 10-Q, particularly under the headings "Management's Discussion and Analysis of Financial Condition and Results of Operations" and "Risk Factors" and other filings with the Securities and Exchange Commission. Although we believe that these estimates and forward-looking statements are based upon reasonable assumptions, they are subject to several risks and uncertainties and are made based on information currently available to us. EPAM undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as may be required under applicable securities law.
Investors seeking exposure to digital transformation can choose between global scale and specialized agility. Deciding whether to buy Accenture (ACN +1.43%) or EPAM Systems (EPAM +2.82%) depends on your preference for stability versus growth.
Accenture is a professional services giant with hundreds of thousands of employees serving the world's largest corporations. EPAM Systems operates as a digital engineering specialist, focusing on complex software development and platform builds. Comparing them reveals how different sizes and strategies influence financial performance for long-term investors.
The case for AccentureAccenture occupies a massive footprint within the broader world of tech stocks, providing services ranging from cloud migration to supply chain overhauls. The company employs approximately 786,000 people and serves more than 9,000 clients, including three-quarters of the Fortune Global 500. Its strategy focuses on helping large enterprises integrate new technologies like generative artificial intelligence into their daily operations.
During its 2025 fiscal year (FY), the company generated $69.7 billion in revenue, representing a growth rate of 7.4% over the prior year. Net income for the same period reached $7.7 billion. This resulted in a net margin of 11%, showing the company's ability to remain profitable while operating at a massive global scale.
As of its August 2025 balance sheet, the company maintained a debt-to-equity ratio of 0.3x. This measures a company's financial leverage by comparing total debt to shareholder equity. The current ratio, which shows if a business has enough short-term assets to cover its upcoming bills, was nearly 1.4x. Free cash flow for the fiscal year reached a robust $10.9 billion.
The case for EPAM SystemsEPAM Systems differentiates itself by focusing on digital engineering and high-end software development for ambitious startups and global enterprises. The firm employs over 62,750 professionals and serves more than 345 Forbes Global 2000 clients. While it is smaller than its peers, it focuses on complex product development rather than general consulting. Note that the top five clients accounted for 13.7% of total revenues, which adds a layer of concentration risk to the business.
In FY 2025, the company reported revenue of $5.5 billion, which was an increase of nearly 15.4% compared to the previous year. Net income for the fiscal year was $377.7 million. The net margin for this period reached 6.9%, as the company continues to invest in expanding its global delivery capabilities.
As of its December 2025 balance sheet, the company maintained long-term debt exceeding $25 million, exhibiting a low debt-to-equity ratio comparable to Accenture. Its current ratio was nearly 2.6x, and free cash flow reached $612.7 million. Note that stock-based compensation represented 27% of operating cash flow, which inflates reported cash generation since SBC is a non-cash expense added back in the cash flow statement.
Risk profile comparisonAccenture faces risks from global economic volatility, as clients may defer large consulting projects during periods of uncertainty. The company must also navigate intense competition from firms like IBM while rapidly adapting to technology shifts in artificial intelligence. Additionally, its extensive work with government clients subjects it to strict compliance audits and the risk of contract terminations due to political budgetary shifts.
EPAM Systems carries unique risks due to its significant operations in Ukraine and Belarus, where geopolitical instability could disrupt business continuity. The company also faces the risk that automated AI tools could reduce the demand for traditional software development services. Furthermore, its reliance on a smaller pool of major clients means the loss of a single contract could have a meaningful impact on its financial results compared to larger competitors.
Valuation comparisonEPAM Systems appears to be the more affordable stock based on both revenue and future earnings estimates.
MetricAccentureEPAM SystemsSector BenchmarkForward P/E11.9x7.5x43.1xP/S ratio1.6x0.9xSector benchmark uses the SPDR XLK sector ETF. Valuation metrics sourced from Financial Modeling Prep (FMP) and may differ from other data providers.
Accenture and EPAM Systems are both large tech consulting companies that have seen share prices fall in 2026. The rise of artificial intelligence has created concerns on Wall Street that their businesses could see reduced relevance.
That may well be the case for EPAM. While it saw strong sales growth exceeding 15% in 2025, it forecasted year-over-year revenue growth for 2026 to be in the range of 4.0% to 6.5%. That’s also a drop from initial estimates of up to 7.5% year-over-year growth. In the first quarter, EPAM reported $1.4 billion in revenue, up 7.6% year over year.
On May 6, EPAM announced a partnership with Anthropic to certify its team of consultants on the AI giant’s technology. This move may help EPAM’s revenue growth.
Accenture experienced solid sales growth in its fiscal second quarter ended Feb. 28. The company reported 8% year-over-year growth in sales to $18 billion. It also raised its full-year free cash flow (FCF) estimate to a range of $10.8 billion to $11.5 billion.
FCF is a key metric for investors because Accenture pays a dividend, boasting a 3.7% yield as of June 8. EPAM Systems does not offer a dividend.
Factoring in EPAM’s decelerating sales growth while Accenture is maintaining revenue expansion and growing FCF, the better stock to buy in 2026 in Accenture.
CPC Advisors LLC cut its stake in shares of Synchrony Financial (NYSE:SYF – Free Report) by 9.0% in the 4th quarter, according to its most recent Form 13F filing with the SEC. The fund owned 106,901 shares of the financial services provider’s stock after selling 10,573 shares during the period. Synchrony Financial accounts for about 0.9% of CPC Advisors LLC’s investment portfolio, making the stock its 26th biggest holding. CPC Advisors LLC’s holdings in Synchrony Financial were worth $8,919,000 as of its most recent filing with the SEC.
Other large investors have also recently bought and sold shares of the company. Bank of America Corp DE lifted its position in shares of Synchrony Financial by 34.6% in the second quarter. Bank of America Corp DE now owns 13,595,381 shares of the financial services provider’s stock valued at $907,356,000 after buying an additional 3,494,741 shares during the last quarter. Assetmark Inc. lifted its position in shares of Synchrony Financial by 48.3% in the third quarter. Assetmark Inc. now owns 4,349,059 shares of the financial services provider’s stock valued at $309,001,000 after buying an additional 1,416,909 shares during the last quarter. Worldquant Millennium Advisors LLC lifted its position in shares of Synchrony Financial by 222.5% in the second quarter. Worldquant Millennium Advisors LLC now owns 937,296 shares of the financial services provider’s stock valued at $62,555,000 after buying an additional 646,642 shares during the last quarter. Nordea Investment Management AB lifted its position in shares of Synchrony Financial by 13.0% in the fourth quarter. Nordea Investment Management AB now owns 5,134,903 shares of the financial services provider’s stock valued at $431,999,000 after buying an additional 592,567 shares during the last quarter. Finally, Danske Bank A S acquired a new stake in shares of Synchrony Financial in the third quarter valued at approximately $34,362,000. 96.48% of the stock is owned by institutional investors and hedge funds.
Key Synchrony Financial News Here are the key news stories impacting Synchrony Financial this week:
Positive Sentiment: Q1 EPS beat/operational drivers — SYF reported $2.27 EPS, above the prior consensus, driven by purchase-volume growth and an improved net interest margin (helping profit). Synchrony Q1 Earnings Match Estimates on Purchase Volume Growth Positive Sentiment: Shareholder returns increased — Company raised the quarterly dividend from $0.30 to $0.34 and approved a $6.5 billion share repurchase program, which is a clear positive for EPS per share over time. Synchrony Reports First Quarter 2026 Results Neutral Sentiment: FY‑2026 EPS guidance largely in line with Street — Management set FY26 EPS guidance of $9.10–$9.50 (consensus ≈ $9.24), a range that roughly brackets expectations and leaves limited upside surprise potential. (Guidance update released by the company.) Neutral Sentiment: Full disclosure & details available — Management materials (slide deck) and the earnings-call transcript provide color on portfolio trends, reserve levels and strategy; useful for modeling credit and margin assumptions. Synchrony Financial 2026 Q1 – Results – Earnings Call Presentation Neutral Sentiment: Monthly credit update posted — The company released unaudited monthly charge-off and delinquency statistics; investors should check these for early signs of stress or improvement. Synchrony Financial Posts Monthly Credit Performance Metrics Update Negative Sentiment: Revenue miss and year-over-year decline — Quarterly revenue was $3.70B versus consensus ~$3.81B and was down ~7.4% YoY, a top-line weakness that limits upside despite EPS beat. Synchrony Financial Q1 Results (MarketBeat) Negative Sentiment: Deposit decline and funding trends — Management noted a pullback in deposits, which can pressure funding costs and liquidity mix if sustained. Synchrony Q1 Earnings Match Estimates on Purchase Volume Growth Insider Buying and Selling at Synchrony Financial In related news, insider Darrell Owens sold 3,865 shares of Synchrony Financial stock in a transaction that occurred on Monday, March 2nd. The stock was sold at an average price of $67.71, for a total transaction of $261,699.15. Following the completion of the sale, the insider directly owned 17,432 shares of the company’s stock, valued at approximately $1,180,320.72. This trade represents a 18.15% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is accessible through the SEC website. Also, insider Curtis Howse sold 7,882 shares of Synchrony Financial stock in a transaction that occurred on Monday, March 2nd. The stock was sold at an average price of $67.71, for a total value of $533,690.22. Following the sale, the insider directly owned 94,873 shares of the company’s stock, valued at approximately $6,423,850.83. The trade was a 7.67% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders sold a total of 379,928 shares of company stock worth $26,170,764 in the last 90 days. Company insiders own 0.33% of the company’s stock.
Synchrony Financial Stock Performance NYSE:SYF opened at $77.77 on Wednesday. The stock has a market cap of $27.03 billion, a P/E ratio of 8.37, a PEG ratio of 0.69 and a beta of 1.39. The stock has a 50 day simple moving average of $69.78 and a 200 day simple moving average of $74.68. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 0.98. Synchrony Financial has a 1-year low of $46.13 and a 1-year high of $88.77.
Synchrony Financial (NYSE:SYF – Get Free Report) last released its quarterly earnings results on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share for the quarter, topping the consensus estimate of $2.14 by $0.13. The business had revenue of $3.70 billion during the quarter, compared to analysts’ expectations of $3.81 billion. Synchrony Financial had a return on equity of 23.07% and a net margin of 15.72%.The firm’s revenue for the quarter was down 7.4% compared to the same quarter last year. During the same period last year, the firm posted $1.89 EPS. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. Research analysts anticipate that Synchrony Financial will post 9.28 earnings per share for the current year.
Synchrony Financial declared that its board has approved a share buyback program on Tuesday, April 21st that authorizes the company to buyback $0.00 in outstanding shares. This buyback authorization authorizes the financial services provider to reacquire shares of its stock through open market purchases. Stock buyback programs are often an indication that the company’s board of directors believes its shares are undervalued.
Synchrony Financial Announces Dividend The company also recently declared a quarterly dividend, which will be paid on Friday, May 15th. Investors of record on Tuesday, May 5th will be issued a dividend of $0.30 per share. This represents a $1.20 annualized dividend and a yield of 1.5%. The ex-dividend date of this dividend is Tuesday, May 5th. Synchrony Financial’s dividend payout ratio (DPR) is presently 12.92%.
Analyst Ratings Changes A number of analysts have recently issued reports on the company. Robert W. Baird raised Synchrony Financial from a “neutral” rating to an “outperform” rating and set a $83.00 price objective for the company in a research report on Friday, February 13th. Wall Street Zen cut Synchrony Financial from a “buy” rating to a “hold” rating in a research report on Saturday, January 31st. Truist Financial cut their price objective on Synchrony Financial from $84.00 to $71.00 and set a “hold” rating for the company in a research report on Monday, March 23rd. TD Cowen raised their price objective on Synchrony Financial from $91.00 to $100.00 and gave the company a “buy” rating in a research report on Thursday, January 8th. Finally, Royal Bank Of Canada cut their price objective on Synchrony Financial from $91.00 to $85.00 and set a “sector perform” rating for the company in a research report on Wednesday, January 28th. One investment analyst has rated the stock with a Strong Buy rating, thirteen have issued a Buy rating and six have given a Hold rating to the stock. According to data from MarketBeat, the stock presently has an average rating of “Moderate Buy” and a consensus target price of $85.00.
Read Our Latest Stock Analysis on Synchrony Financial
Synchrony Financial Company Profile (Free Report)
Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.
Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences.
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Updated Loyalty Programs Introduce First-Ever Credit Cards for the Brands, Offering Enhanced Rewards and Expanded Payment Options
Key Highlights:
Chico's FAS and Synchrony have launched co-branded Mastercard and private label credit card programs to provide Chico's, White House Black Market (WHBM), and Soma customers with expanded benefits and payment options. Chico's, WHBM, and Soma (collectively, the Chico's FAS brands) have each relaunched their loyalty programs (Club Chico's, WHBM Prestige, and Soma My Rewards) making it simpler for customers to understand how they earn rewards and easier to get rewarded more quickly. Cardmembers can earn rewards on purchases with each of the brands, as well as on everyday spending anywhere Mastercard is accepted with the co-branded card. The partnership enables Chico's FAS brands to leverage Synchrony's digital and omnichannel capabilities, including Synchrony PRISM, its data-driven credit decisioning platform. , /PRNewswire/ -- Chico's FAS is introducing a new chapter of how it connects with customers with the debut of its first-ever credit cards alongside newly reimagined loyalty programs for Chico's, White House Black Market (WHBM), and Soma. Together, these launches create a more rewarding, seamless, and flexible way for customers to engage with the brands.
Chico's, WHBM, + Soma Credit Cards Issued by Synchrony (NYSE: SYF), each program includes both a Mastercard-powered co-branded credit card and a private label credit card. The approach is simple: give customers more ways to earn, greater everyday earning potential, and more reasons to stay engaged— paired with simplified loyalty programs tailored to each brand's customers. Synchrony will also offer Chico's FAS differentiated underwriting with Synchrony PRISM, its data-driven credit decisioning platform which helps provide a more holistic assessment of creditworthiness.
The new loyalty programs—Club Chico's, WHBM Prestige, and Soma My Rewards—have been thoughtfully reimagined, making earning and redeeming rewards feel effortless. Each program is tailored to its brand, giving customers more ways to engage, earn, and enjoy exclusive benefits.
Developed in partnership with Synchrony and Mastercard, the credit card experience works hand-in-hand with these programs, allowing customers to earn more, enjoy curated benefits, and engage more deeply with the brands they love.
"This is a meaningful step forward in how we serve our customers – creating a more inspiring and personalized experience for her," said Trish Donnelly, Division CEO of Chico's FAS. "By introducing our new credit cards and reimagining our loyalty programs, we're creating a more connected, rewarding experience that reflects the individuality of each brand while making it easier for customers to deepen their engagement with the brands they love. The new program allows shoppers to earn higher reward redemptions at a faster rate - showing our gratitude towards our dedicated customers."
"These three brands have earned deep customer loyalty, and these new programs are designed to reward that relationship every time a customer shops," said Darrell Owens, EVP and CEO, Lifestyle, Synchrony. "By pairing strong in-brand rewards with a compelling suite of credit benefits, we're helping Chico's FAS brands expand customer engagement while further strengthening Synchrony's leadership in specialty retail financing."
"Consumers expect choice, convenience and confidence every time they pay, and Mastercard's network is built to deliver exactly that," said Julie Schanzer, Executive Vice President, U.S. Financial Institutions, Mastercard. "By working with Chico's FAS and Synchrony, we're strengthening the loyalty experience for shoppers by giving them more ways to engage with the brands they love and ensuring every purchase is backed by the safety and security of network."
The Chico's FAS credit card programs offer customers:
7.5% back in rewards on purchases at the card's origin brand 2% back in rewards on grocery store & restaurant purchases and 1% back everywhere else Mastercard is accepted with the co-branded card 15% off their first purchase when they open and use a new credit card at the card's origin brand Exclusive benefits including free shipping, birthday rewards, and exclusive offers throughout the year Convenience, security and benefits of the global Mastercard network including ID Theft Protection and Zero Liability As part of the relaunch of loyalty with Club Chico's, WHBM Prestige, and Soma My Rewards, customers can enjoy a more streamlined rewards experience across each brand, and cardmembers can unlock the fastest path to earning within their chosen program through enhanced rewards with every eligible purchase.
Introducing a New Generation of Loyalty with the most Rewarding Program Ever
In tandem with the credit card launch, Chico's FAS is rolling out reimagined loyalty programs across all three brands. Each program is designed to be more intuitive, more rewarding, and easier to engage with—featuring:
Simplified program structures, including fewer tiers Extended reward redemption windows (now six months) Greater opportunities to earn, especially when paired with the credit card
Beyond customer benefits, the program is designed to drive stronger engagement and long-term growth—encouraging higher reward redemption and more frequent interaction.
Credit Card Program Offer: Subject to credit approval. Terms and restrictions apply. See https://www.chicos.com/store/page/credit for details.
About Chico's FAS
Our passion for fashion and desire to inspire confidence and joy have been guiding the creation of our women's clothing, intimates, and accessories for more than 40 years. Our portfolio consists of three brands: Chico's, WHBM, and Soma found in over 1,000 stores throughout the United States and online. Each brand is founded by women, led by women, providing solutions that millions of when say bring them confidence and joy. Chico's FAS is part of KnitWell Group, a multi-brand retail company comprised of the iconic American apparel brands Ann Taylor, Haven Well Within, Lane Bryant, LOFT, and Talbots. Serving more than 21 million loyal customers nationwide, KnitWell Group is one of the largest specialty apparel companies in the United States, dedicated to empowering women and building meaningful, lasting customer relationships.
About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.
About Mastercard
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're building a resilient economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. www.mastercard.com
Key Takeaways BFH Q1 EPS of $4.18 beat estimates by 39.3%, rising 49% y/y.Bread Financial revenues rose 5% on higher credit sales, pricing actions and margin expansion. BFH net interest margin climbed 120 bps to 19.3%, while expenses dipped 1%. Bread Financial Holdings, Inc. (BFH - Free Report) reported first-quarter 2026 operating income of $4.18 per share, outperforming the Zacks Consensus Estimate by 39.3%. The bottom line rose 49% year over year.
Revenues increased 5% from the prior-year level to $1 billion, exceeding the consensus estimate by 1.1%. The solid performance reflected higher revenues, driven by pricing actions and increased credit sales, along with an improved net interest margin. However, gains were partially offset by elevated operating expenses and higher compensation costs.
Behind the HeadlinesCredit sales of $6.5 billion increased 7% year over year, driven by new partner growth and increased general-purpose spending. Average loan increased 1% to $18.3 billion, and end-of-period loans rose 2% to $18.1 billion, supported by strong credit sales and partner expansion.
Total interest income increased 2% to $1.2 billion, missing the Zacks Consensus Estimate by 0.4%, and our model estimate by 2.1%. The net interest margin improved 120 basis points to 19.3%, whereas the Zacks Consensus Estimate was pegged at 18.2%.
Total non-interest expenses decreased 1% to $472 million, aided by cost discipline and a data processing credit, partly offset by higher compensation costs. The delinquency rate of 5.6% improved from 5.9% year over year.
The net loss rate of 7.3% improved 83 basis points year over year. Pre-tax pre-provision earnings increased 11% year over year to $546 million.
Adjusted PPNR, a non-GAAP financial measure that excludes gains on portfolio sales and the impact of debt repurchases, increased 11% year over year to $546 million.
Financial UpdateBread Financial exited the first quarter 2026 with cash and cash equivalents of $3.6 billion, down 1% from the 2025-end level.
Tangible book value was $61.57 per share as of March 31, 2026, up 26% year over year. Return on average equity was 21.2%, which increased 350 basis points year over year.
Capital DeploymentBFH repurchased $150 million, or 2 million shares, of common stock during the first quarter of 2026. It also increased its share repurchase authorization by $600 million, bringing the total capacity to $690 million at the quarter-end
BFH’s 2026 GuidanceManagement expects average loan growth to increase year over year at a low-single-digit rate.
It expects total revenues to grow at a low-single-digit pace, broadly in line with loan growth.
The net loss rate is expected to be 7.2-7.4%.
The effective tax rate is anticipated to be 25-27%, with some quarterly variability.
BFH’s Zacks RankBread Financial currently sports a Zacks Rank #1 (Strong Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.
Performance of Another PeerSynchrony Financial (SYF - Free Report) reported first-quarter 2026 adjusted earnings per share (EPS) of $2.27, in line with the Zacks Consensus Estimate. The bottom line increased 20.1% year over year.
Net interest income reached $4.64 billion, up 3.8% from the prior-year period but missed the consensus estimate by 0.5%.
Upcoming ReleasesVirtu Financial (VIRT - Free Report) is set to report first-quarter 2026 results on April 29, before market open. The Zacks Consensus Estimate for 2026 earnings is pegged at $5.62 per share, reflecting four upward revisions and no downward revisions over the past 30 days.
The consensus estimate for 2026 revenues is pinned at $2.05 billion. VIRT surpassed earnings estimates in the trailing four quarters, delivering an average surprise of 18.6%.
Atlantic Real Estate (REFI - Free Report) is set to report first-quarter 2026 results on May 7, before market open. The Zacks Consensus Estimate for 2026 earnings is pegged at $1.91 per share, indicating a 1.6% year-over-year increase.
The consensus estimate for 2026 revenues is pinned at $53.8 million. REFI surpassed earnings estimates in the trailing four quarters, delivering an average surprise of 6.1%.
New consumer insights from Synchrony survey highlight financial confidence trends, education gaps, and the need for continued financial wellness initiatives
Key Highlights
With only 39% of consumers reporting learning about personal finance in school, financial education gaps persist Nearly 70% of consumers believe financial literacy should be taught in schools 75% of consumers say financial literacy is a lifelong journey, reinforcing demand for continuous education , /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer financing company, announced key findings from its In Sync with Consumers survey, a quarterly series that provides insights on how Americans shop, spend, and access credit in an evolving retail landscape. The survey* reveals a financial literacy gap among U.S. consumers, underlining the desire for personal finance topics to be taught earlier, and preferably in classrooms.
Most Consumers Believe Financial Literacy Should Be Taught in Schools Only 39% of U.S. consumers surveyed reported learning about personal finance topics in schools Many more, close to 70%, believe financial literacy should be taught in schools, which aligns with broader education trends "April is Financial Literacy Month, and we're reminded that for many consumers, financial literacy is a lifelong process," said Max Axler, Chief Credit Officer, Synchrony. "When people understand how to budget, save, invest, and use credit, particularly early on, they become stronger, more resilient consumers who make smart financial decisions. That's why Synchrony announced it is accelerating its charitable giving to expand financial education in classrooms nationwide and providing free credit education resources to help consumers manage credit with confidence."
The data also shows the need for continuing education to help consumers navigate financial decisions through every stage of life:
Only about half (56%) of U.S. consumers surveyed reported they have strong financial literacy skills 69% of consumers feel confident managing a personal or household budget, but less than half (46%) expressed confidence when it comes to investing At the same time, three-quarters (75%) of consumers agreed that financial literacy is an ongoing journey - there is always something new to learn or improve upon, reinforcing the need for accessible, continuous learning opportunities Frequently Asked Questions
Q1: What is the significance of this announcement?
A1: During Financial Literacy Month, Synchrony is spotlighting a clear need for financial literacy education among U.S. consumers with only 39% reporting learning personal finance in school, yet nearly 70% believe it should be taught there.
Q2: Where can I learn more?
A2: Learn more about Synchrony and its charitable investments in financial education at synchrony.com/about-us/corporate-citizenship
About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.
*Methodology: Survey captures ongoing monthly sentiment from a broad, nationally representative sample of 1,500 U.S. consumers aged 18 and older, balanced to reflect U.S. Census demographics. These results were collected between January 1, 2026 and March 8, 2026.
The MyLowe's Pro Rewards American Express® Card, Available Today, Is Designed to Help Pro Customers Maximize Rewards and Savings at Lowe's and on Everyday Business Purchases
, /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer financing company, today announced an expanded co-brand partnership with Lowe's (NYSE: LOW), with Synchrony now issuing the MyLowe's Pro Rewards American Express® Card. The new card complements the existing MyLowe's Pro Rewards Credit Card, which can be used only in Lowe's stores. The new card can be used anywhere American Express (NYSE: AXP) is accepted, helping extend Pro purchasing power and rewards earning potential beyond Lowe's.
The new MyLowe’s Pro Rewards American Express® Card can be used anywhere American Express is accepted, helping extend Pro purchasing power and rewards earning potential beyond Lowe's. Starting today, Pro customers can apply for the MyLowe's Pro Rewards American Express® Card in store or at Lowes.com/businesscredit. The card offers MyLowe's Pro rewards points1 on eligible purchases and a variety of other benefits, including no annual fee. American Express will continue serving as the payment network for the MyLowe's Pro Rewards American Express® Card program.
"Bringing the Lowe's commercial co-brand credit card under our umbrella with Synchrony allows us to deliver a truly seamless experience – simpler applications, smarter digital servicing and flexible financing to help meet the needs of Lowe's professional customers," said Curtis Howse, EVP & CEO, Home & Auto, Synchrony. "Our priority is delivering tangible everyday value for customers who rely on Lowe's."
"By expanding our card-issuing relationship with Synchrony and leveraging the American Express Network for this card, we're continuing to strengthen our offering for small-to-medium Pros and deliver value through MyLowe's Pro Rewards," said Brandon J. Sink, Lowe's CFO. "We're making it faster and easier for Pros to shop and keep their businesses running smoothly, with flexible financing tailored to their project needs."
"American Express is pleased to announce our partnership with Synchrony and build on our longstanding relationship with Lowe's through the MyLowe's Pro Rewards American Express® Card," said Will Stredwick, EVP and GM of Global Network Services for North America at American Express. "The card will offer professionals a compelling way to earn rewards, backed by the security and benefits of our American Express Network."
For more information, Lowe's Pro customers may call 866-796-1609.
Disclaimer:
1 Points: Points are awarded on Qualifying Purchases that have been settled and fulfilled up to $1.5M annual qualifying spend per year. Visit Lowes.com/Terms for additional restrictions and full details. Subject to change.
About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.
About Lowe's
Lowe's Companies, Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company with total fiscal 2025 sales of more than $86 billion. Lowe's employs approximately 300,000 associates and operates over 1,750 home improvement stores, 540 branches and 120 distribution centers. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com.
About American Express
American Express (NYSE: AXP) is a global payments and premium lifestyle brand powered by technology. Our colleagues around the world back our customers with differentiated products, services, and experiences that enrich lives and build business success. Founded in 1850 and headquartered in New York, American Express' brand is built on trust, security, service, and a rich history of delivering innovation and Membership value for our customers. We seek to provide the world's best customer experience every day to a broad range of consumers, small and medium-sized businesses, and large corporations, and we build and manage relationships with millions of merchants across our global network. For more information about American Express, visit americanexpress.com, americanexpress.com/en-us/newsroom/, and ir.americanexpress.com.
Contacts:
Lauren Devilbiss
Synchrony
[email protected]
Steve Salazar
Lowe's
[email protected]
Melissa Filipek
American Express
[email protected]
Built for how athletes shop today: Synchrony and DICK'S Sporting Goods are giving athletes more value, choice and convenience with the DICK'S Credit Card: The Card for Sport, formerly the ScoreRewards Credit Card, and DICK'S Mastercard. Rewards that perform: Cardholders can now earn 10% back in rewards on qualifying purchases at DICK'S – one of the most competitive rewards rates in U.S. retail. Backed by more than two decades of collaboration, Synchrony and DICK'S continue to raise the bar on retail payments and provide more value to athletes so they can get what they need to practice, compete and perform their best. , /PRNewswire/ -- Today, Synchrony (NYSE: SYF) and DICK'S Sporting Goods (NYSE: DKS) announced the relaunch of their credit card program. The new DICK'S Credit Card program features a new everyday 10% back in rewards* on qualifying purchases at DICK'S, offering one of the most competitive earn rates in retail.
Synchrony and DICK’S Sporting Goods are giving athletes more value, choice and convenience with the DICK’S Credit Card: The Card for Sport and DICK’S Mastercard. The DICK'S Credit Card program continues to feature two products designed to fit every athlete: the DICK'S Credit Card, a private label card that can be used exclusively across DICK'S Sporting Goods, DICK'S House of Sport, Golf Galaxy, Golf Galaxy Performance Center, Public Lands and Going Going Gone!, and the DICK'S Mastercard, which can be used anywhere Mastercard is accepted. Both cards will remain integrated with DICK'S ScoreCard loyalty program, providing athletes an opportunity to earn rewards faster.
"Our role at Synchrony is to turn everyday purchases into real value for consumers, and this relaunch does exactly that for DICK'S athletes," said Darrell Owens, EVP & CEO, Lifestyle, Synchrony. "Enhanced rewards, flexible financing and digital account tools come together in one program helping cardholders stretch their budget, invest in the gear they love and manage their money with confidence."
What Athletes Earn with the Relaunched DICK'S Credit Card program:
NEW — Everyday 10% back in rewards on qualifying purchases at DICK'S stores 1% back in rewards everywhere else Mastercard is accepted (DICK'S Mastercard only) $30 bonus reward** for new cardholders after opening and using their new card at DICK'S Sporting Goods, DICK'S House of Sport, Golf Galaxy, Golf Galaxy Performance Center, Public Lands or Going Going Gone! Automatic Gold status in DICK'S ScoreCard loyalty program after using their new card at a DICK'S store Plus, additional cardholder benefits. "Our athletes are at the center of every decision we make, and this relaunch is all about giving them even more value from a card they already love," said Navdeep Gupta, CFO, DICK'S Sporting Goods. "Introducing 10% back in ScoreCard Rewards is just one of the many ways we are enhancing the shopping experience for our members and evolving our credit offering. We're proud to build on more than 20 years of partnership with Synchrony to deliver a program that continues to grow alongside our athletes."
Existing cardholders don't need to do anything; their accounts and ScoreCard rewards balances will automatically carry over. Athletes interested in applying for a DICK'S Credit Card or DICK'S Mastercard can learn more at their local DICK'S Sporting Goods, DICK'S House of Sport, Golf Galaxy, Golf Galaxy Performance Center, Public Lands or Going Going Gone! store.
FAQ
What's changing with the relaunch of the DICK'S Credit Card program? The ScoreRewards Credit Card program has rebranded to the DICK'S Credit Card program and now offers cardholders 10% back in ScoreCard Rewards on qualifying purchases at DICK'S Sporting Goods, DICK'S House of Sport, Golf Galaxy, Golf Galaxy Performance Center, Public Lands or Going Going Gone! — one of the highest everyday earn rates in retail.
What's the difference between the DICK'S Credit Card and the DICK'S Mastercard? The DICK'S Credit Card is a private label card that can be used exclusively at DICK'S. The DICK'S Mastercard offers the same benefits, plus it can also be used anywhere else Mastercard is accepted and earns 1% back in ScoreCard Rewards on those purchases.
Do current cardholders need to do anything? No. Existing accounts, balances and ScoreCard Points and Rewards will carry over to the relaunched program automatically.
How do athletes apply? Athletes can apply for the DICK'S Credit Card program in store at any DICK'S Sporting Goods, DICK'S House of Sport, Golf Galaxy, Golf Galaxy Performance Center, Public Lands or Going Going Gone! location or online at dicks.com/credit. Approval is subject to credit review.
About DICK'S Sporting Goods, Inc.
DICK'S Sporting Goods creates confidence and excitement by inspiring, supporting and personally equipping all athletes to achieve their dreams. Founded in 1948 and headquartered in Pittsburgh, DICK'S is a leading omni-channel retailer and an iconic brand in sport and culture. Its banners include DICK'S Sporting Goods, Golf Galaxy, Public Lands and Going Going Gone! in addition to the experiential retail concepts DICK'S House of Sport and Golf Galaxy Performance Center. As owner and operator of the Foot Locker Business, including Foot Locker, Kids Foot Locker, Champs Sports, WSS and atmos, DICK'S serves the global sneaker community across North America, Europe, Asia and Australia, plus a licensed store presence in Europe, the Middle East and Asia. DICK'S also owns and operates GameChanger, a youth sports mobile platform for live streaming, scheduling, communications and scorekeeping.
Driven by its belief that sports have the power to change lives, DICK'S has been a longtime champion for youth sports and, together with its Foundation, has donated millions of dollars to support under-resourced teams and athletes through the Sports Matter program and other community-based initiatives. Additional information about DICK'S business, corporate giving and employment opportunities can be found on dicks.com, investors.dicks.com, sportsmatter.org, dickssportinggoods.jobs and on Instagram, TikTok, Facebook and X.
About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.
Card Program Details: Subject to credit approval. ScoreCard account required to apply and earn Points. For exclusions & details visit DICKS.com/ScoreCardTerms.
*10% BACK IN REWARDS: 10% back provided in ScoreCard Points. Except for special financing purchases, Cardholders earn at least 3 ScoreCard Points for every $1.00 spent on qualified purchases at our stores when paying with their DICK'S Credit Card or DICK'S Mastercard®. REWARDS GIVEN IN $10 INCREMENTS. 300 POINTS = $10 REWARD.
**$30 BONUS REWARD: Qualifying purchase must be made on day approved. Limit one offer per account. Bonus Reward issued within 60 days after account opening. Applicants who do not receive a credit decision the day that they apply, but are later approved, will receive a $30 Bonus Reward in their credit card package.
On May 11, 2026, Synchrony Financial (SYF) shares fell 3.9% to a current price of $70.28. This decline contributes to a year-to-date drop of 15.1%, despite a 1-
Donation helps cover veterinary care to reduce a key financial hurdle for student puppy raisers in 23 states
Key Highlights
$150,000 CareCredit donation to Canine Companions to help train and place service dogs at no cost to recipients $50,000 of donation dedicated to cover veterinary costs for college student puppy raisers across 30 colleges and universities in 23 states CareCredit has proudly partnered with Canine Companions for more than 10 years as part of its commitment to helping manage the cost of care, whether that care is for families, pets, or service dogs that change lives , /PRNewswire/ -- Cue the tail wags: Synchrony (NYSE: SYF), a leading consumer financing company, today announced a $150,000 donation on behalf of CareCredit, its health and wellness credit card for humans and their pets, to Canine Companions®, a national nonprofit that provides expertly trained service dogs at no cost to adults, children and veterans with disabilities, and to professionals working in healthcare, law enforcement and educational settings.
Synchrony and CareCredit Lend a Helping Paw to College Puppy Raisers Training Canine Companions’ Next Generation of Service Dogs This milestone gift celebrates Canine Companions' 50th anniversary, and CareCredit's longstanding partnership with the organization over the last 10 years. Of the total donation, $50,000 will directly help cover veterinary care for collegiate puppy raisers nationwide, easing one of the most common financial barriers faced by students who volunteer to raise and train future service dogs. The remaining $100,000 will support Canine Companions' broader program operations.
"Franklin is the first puppy I've raised. Watching him grow and change from that young puppy who couldn't do anything to this 8-month-old who is doing really well and focused is really impressive to me," said Lucy, a Canine Companions volunteer puppy raiser at Colorado State University. "He started with just routine [veterinary] visits, but since then, he's had a few ear infections and emergency visits. So, it's definitely a lot and can be expensive pretty quick. Having the support of CareCredit and Canine Companions is a huge lifesaver."
College student volunteers, like Lucy, play a crucial role in the earliest stage of a service dog's training by opening their homes and hearts to Canine Companions puppies for their first 18 months helping them learn 30 essential skills. Meet Lucy and future Service Dog Franklin and other students (with their puppies!) talk about their experience training future service dogs in this new CareCredit video series.
Collegiate puppy raisers traditionally cover all expenses, including food, toys, bedding, and critical veterinary care, which can total $2,500-$3,500 per puppy during that 18-month period. That's why CareCredit specifically allocated funds to cover veterinary care, products and services for puppy raisers at 30 colleges and universities coast-to-coast, including University of California: Los Angeles, Colorado State University, University of Connecticut and Longwood University. A full list of active collegiate puppy raising clubs can be found here.
"College students play an essential role in the Canine Companions program, delivering the early training and socialization that put future service dogs on the road to success," said Jonathan Wainberg, Senior Vice President and General Manager, Pet, Synchrony. "Veterinary expenses, especially unexpected bills, can be hard to manage on a student budget. This donation allows puppy raisers to stay focused on what they do best: developing confident, capable dogs that will one day change someone's life. It also underscores why CareCredit exists in the first place: to help people manage the cost of care."
Canine Companions, founded in 1975, stands as the largest provider of service dogs in the U.S. and was notably the first organization to train and provide these animals specifically for individuals with physical disabilities. They have been working with collegiate puppy raisers for more than 25 years. CareCredit's support will help ensure future service dogs receive the essential training and comprehensive veterinary care they need before being placed with their partners.
"As Canine Companions celebrates 50 years of providing greater access to independence, we are honored to continue our vital mission," said Jeanine Konopelski, Chief Marketing Officer for Canine Companions. "Support from partners like CareCredit is critical to our cause. This funding directly empowers more dedicated students to join our mission, enabling us to provide increased independence to those who need it most."
Since its inception, Canine Companions has placed over 8,600 expertly trained service dogs across the country. To learn more about becoming a Canine Companions puppy raiser, please visit canine.org/raise.
Frequently Asked Questions
Q1: What is the significance of this donation?
A1: Synchrony, on behalf of CareCredit, is donating $150,000 to Canine Companions to support the training and placement of service dogs provided at no cost, including dedicated funding to cover veterinary care for college student puppy raisers.
Q2: How will this donation support college student puppy raisers?
A2: This donation directly reduces unpredictable veterinary costs that are a major barrier for student volunteers, while also funding program operations that sustain Canine Companions' national service dog mission.
Q3: What colleges and universities have active Puppy Raising Clubs?
AU Collar Scholars — Adelphi University Collar Scholars TSU — Tarleton State University Collar Scholars at UCLA — University of California, Los Angeles Collar Scholars at UNLV — University of Nevada, Las Vegas Collar Scholars at Belmont University — Belmont University Canine Companions Club — The Evergreen State College Yellow Caped Raiders — Texas Tech University Living Unleashed — University of Central Arkansas Collar Scholars UNT — University of North Texas Collar Scholars at Carroll College — Carroll College Collar Scholars at KSU — Kent State University TUSTEP — Tulane University STEP at UCF — University of Central Florida STEP-UP — University of Pennsylvania Canine Companions – Clemson University — Clemson University STEP @ LU — Longwood University Collar Scholars at University of Alabama — University of Alabama Collar Scholars at CU Boulder — University of Colorado Boulder STEP at Pitt — University of Pittsburgh Mines Collar Scholars — Colorado School of Mines STEP at LSU — Louisiana State University Collar Scholars AZ — University of Arizona Canine Companions at UConn — University of Connecticut Collar Scholars Tampa — University of South Florida Collar Scholars at CSU — Colorado State University Rice PAWS — Rice University Collar Scholars at U of A — University of Arkansas Collar Scholars at UD — University of Delaware UTD SIT — University of Texas – Dallas Prendergast Pups — Washington State University Learn more about starting a Collegiate Puppy Raising Club here.
Q4: Where can I learn more about CareCredit?
A4: Learn more about managing the cost of pet care with the CareCredit credit card at https://www.carecredit.com/vetmed/
About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.
About Canine Companions
National nonprofit Canine Companions is celebrating 50 years of independence. In 1975, a door towards greater independence was opened for people with disabilities — and it all started with a dog. Canine Companions invented the concept of the modern service dog to assist people with physical disabilities, empowering people with disabilities to live with greater independence. As the first and largest provider of service dogs, Canine Companions serves adults, children and veterans with disabilities and professionals working in health care, law enforcement, and educational settings. Since our founding in 1975, we have provided these services at no cost to the recipient. Canine Companions is a nonprofit 501(c)(3) and has eight locations across the country serving all 50 states. Learn more at canine.org or call 1-800-572-BARK (2275).
Media Contact
Ashley Tufts
Synchrony
[email protected]
On May 20, 2026, Synchrony Financial (SYF) shares rose 3.8% to $72.05. The stock has experienced a 52-week range of $55.67 to $88.77, reflecting significant vol
It has been about a month since the last earnings report for Synchrony (SYF - Free Report) . Shares have lost about 8.4% in that time frame, underperforming the S&P 500.
Will the recent negative trend continue leading up to its next earnings release, or is Synchrony due for a breakout? Well, first let's take a quick look at its latest earnings report in order to get a better handle on the recent catalysts for Synchrony Financial before we dive into how investors and analysts have reacted as of late.
Synchrony Q1 Earnings Match Estimates on Purchase Volume Growth
Synchrony reported first-quarter 2026 adjusted earnings per share (EPS) of $2.27, in line with the Zacks Consensus Estimate. The bottom line increased 20.1% year over year.
Net interest income reached $4.64 billion, up 3.8% from the prior-year period but missed the consensus estimate by 0.5%.
The quarterly earnings were supported by a higher net interest margin and strong purchase volume growth. A lower provision for credit losses also contributed to the performance. These positives were partly offset by lower deposits, a decline in average active accounts and higher expenses.
SYF’s Q1 Results in DetailRetailer share arrangements of Synchrony advanced 19.6% year over year to $1.1 billion in the first quarter. Total loan receivables of $100.1 billion, up 0.5% year over year, beat the Zacks Consensus Estimate of $99.3 billion as well as our estimate of $98.9 billion.
Total deposits dipped 0.6% year over year to $82.9 billion and fell short of our estimate of $83.2 billion. The provision for credit losses was $1.3 billion, which declined 10.5% year over year on the back of lower net charge-offs and reserve release. The metric came in slightly lower than our estimate of $1.4 billion.
Synchrony’s purchase volume rose 5.6% year over year to $43 billion on higher spend per account and strong customer response. The figure beat the consensus estimate of $42 billion and our estimate of $41.4 billion.
Interest and fees on loans totaled $5.4 billion, rising 1.9% year over year and in line with our estimate. The increase was driven by higher loan receivables yield, primarily reflecting the impact of PPPCs, and was partially offset by reduced benchmark rates. Net interest margin improved 76 basis points year over year to 15.5% in the first quarter but came in slightly below the Zacks Consensus Estimate of 15.6%.
Average active accounts of 68.8 million slipped 0.7% year over year and missed the consensus mark and our estimate of 69.4 million.
Total other expenses of SYF increased 5.9% year over year to $1.3 billion, lower than our estimate of $1.4 billion. The efficiency ratio of 35.6% deteriorated 220 bps year over year and came above the consensus mark of 35%.
Movement in Individual Sales PlatformsHome & Auto period-end loan receivables decreased 3.7% year over year in the first quarter. Purchase volume remained flat, with higher spend per account and growth in furniture and electronics offset by selective home improvement spending and fewer active accounts. Interest and fees on loans declined 1.6% year over year.
Digital period-end loan receivables inched up 3.5% year over year in the reported quarter. Purchase volume rose 8.2%, driven by higher spend per account and strong customer response to enhanced offerings. Interest and fees on loans increased 5.7% year over year.
Diversified & Value period-end loan receivables rose 4.3% year over year in the quarter under review. Purchase volume rose 8.7%, driven by partner expansion and higher spend per account. Interest and fees on loans increased 1.4% year over year.
Health & Wellness period-end loan receivables inched up 0.8% year over year in the first quarter. Purchase volume rose 2.6%, driven by growth in pet and audiology, partly offset by weaker cosmetic and dental spending and fewer active accounts. Interest and fees on loans advanced 3.7% year over year.
Lifestyle period-end loan receivables decreased 1.3% year over year in the first quarter. Purchase volume rose 6.6%, driven by other apparel, goods and luxury, partly offset by fewer active accounts. Interest and fees on loans decreased 1.1% year over year.
Financial Position (as of March 31, 2026)Synchrony exited the first quarter with cash and equivalents of $20.6 billion, which increased from the 2025-end level of $15 billion. Total assets of $121.5 billion increased from $119.1 billion at the 2025-end level. SYF’s balance sheet was consistently strong in the reported quarter, with total liquidity of $22.8 billion accounting for 18.8% of its total assets.
Total borrowings were $16.4 billion, up from $15.2 billion as of Dec. 31, 2025. Total equity of $16.5 billion decreased from the 2025-end figure of $16.8 billion.
Return on assets increased 20 bps year over year to 2.7% in the first quarter. Return on equity was 19.5%, which increased 110 bps year over year.
Capital Deployment UpdateSynchrony returned $1 billion to shareholders, including $900 million through share buybacks and $104 million in dividends. The board approved a planned 13% increase in the quarterly dividend to 34 cents per share, effective from the third quarter of 2026.
The board approved a new share repurchase program of up to $6.5 billion, starting in the second quarter of 2026, with no expiration date. This replaces the previous program, which was set to expire on June 30, 2026.
SYF’s 2026 GuidanceSynchrony continues to anticipate mid-single-digit growth in period-end loan receivables. Strong purchase volume growth is expected to continue throughout 2026. The payment rate is expected to remain high. SYF expects receivables growth to accelerate in the second half of 2026.
Earnings per share for 2026 are projected to be in the range of $9.10 to $9.50.
RSA, as a percentage of average loan receivables, is increasing, reflecting strong program performance, and is expected to remain within the 4-4.5% target range.
How Have Estimates Been Moving Since Then?Since the earnings release, investors have witnessed a downward trend in estimates revision.
The consensus estimate has shifted -8.11% due to these changes.
VGM ScoresCurrently, Synchrony has a average Growth Score of C, a score with the same score on the momentum front. However, the stock was allocated a grade of A on the value side, putting it in the top 20% for this investment strategy.
Overall, the stock has an aggregate VGM Score of A. If you aren't focused on one strategy, this score is the one you should be interested in.
OutlookEstimates have been broadly trending downward for the stock, and the magnitude of these revisions indicates a downward shift. Interestingly, Synchrony has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months.
Performance of an Industry PlayerSynchrony is part of the Zacks Financial - Miscellaneous Services industry. Over the past month, Applied Digital Corporation (APLD - Free Report) , a stock from the same industry, has gained 21.9%. The company reported its results for the quarter ended February 2026 more than a month ago.
Applied Digital Corporation reported revenues of $126.64 million in the last reported quarter, representing a year-over-year change of +139.3%. EPS of -$0.36 for the same period compares with -$0.16 a year ago.
Applied Digital Corporation is expected to post a loss of $0.13 per share for the current quarter, representing a year-over-year change of -8.3%. Over the last 30 days, the Zacks Consensus Estimate has changed -18.2%.
Applied Digital Corporation has a Zacks Rank #3 (Hold) based on the overall direction and magnitude of estimate revisions. Additionally, the stock has a VGM Score of F.
Resources Investor Relations Journalists Agencies Client Login Send a Release News Products Contact , /PRNewswire/ -- Synchrony (NYSE: SYF) Chief Financial Officer, Brian J. Wenzel, will participate in a fireside chat at the Morgan Stanley US Financials Conference on Tuesday, June 9, 2026 at 7:30 a.m. (Eastern Time).
A live webcast and replay will be made available on the Synchrony Investor Relations website at www.investors.synchrony.com.
About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.
LiveLoveSpa.com becomes the first eCommerce partner in the cosmetic space to offer the CareCredit credit card as a seamless checkout option, giving consumers more options to pay for skincare and beauty products.
Key Highlights:
A first in beauty eCommerce: LiveLoveSpa.com becomes CareCredit's first cosmetics eCommerce partner to offer CareCredit as a built-in checkout payment option. Built for how people shop today: With 41% of U.S. beauty and personal care purchases happening online, shoppers increasingly expect flexible ways to apply for credit and pay at checkout. Financing when it matters most: The integration brings apply + buy in one smooth flow, meeting demand for choice and convenience—especially as 44% of shoppers look for financing options. , /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer financial services company, today announced a partnership with LiveLoveSpa.com, an online store and community created to inspire healthy living by connecting consumers and professionals to beauty and wellness products and experiences. LiveLoveSpa.com is Synchrony's first eCommerce partner in the cosmetic space to offer a seamless apply and checkout experience with CareCredit through Shopify.
LiveLoveSpa.com becomes the first eCommerce partner in the cosmetic space to offer the CareCredit credit card as a seamless checkout option, giving consumers more options to pay for skincare and beauty products. Expanding financing options to online sectors may be essential to meet consumers on their journey, as global eCommerce sales are forecasted to hit $6.4 trillion in 2026, with an expected market growth of over $7.89 trillion by 2028 and estimated 22.5% of retail purchases taking place online.1 The cosmetic space is already seeing this shift firsthand as online sales now represent 41% of beauty and personal care sales in the U.S., a 7.3% year-over-year value in growth across the global sector.2
"As more consumers choose to shop directly with brands online, the digital experience – especially at checkout – has become increasingly important. At the same time, cost remains a key barrier in the cosmetic and wellness space," said Jeff Miller, Senior Vice President and General Manager, Specialty and Wellness at Synchrony. "CareCredit, backed by Synchrony helps address that challenge by expanding access to financing options in a seamless, digital-first way – enabling consumers to move forward with care and helping our partners drive growth."
The partnership enables consumers to apply for and use CareCredit at checkout when purchasing products and services from LiveLoveSpa.com which uses Shopify. Cardholders will experience a seamless checkout experience and will have access to a variety of financing options on eligible purchases that could support them in achieving their aesthetic and wellness goals.
Live Love Spa's partnership with CareCredit helps cardholders to purchase what they want in a way that fits their lifestyle and financial goals throughout their beauty and wellness journey by:
Enabling a seamless checkout experience: CareCredit financing options are available at the point of sale, improving the payment experience for Live Love Spa customers. Driving access: With the CareCredit credit card, consumers can move forward with higher-ticket wellness and spa purchases eligible for special financing they might otherwise delay due to upfront costs, while providing a continuous solution for their beauty and wellness journey as consumers can utilize it for repeat purchases and ongoing product or service needs. Delivering a trusted payment option: Consumers gain added confidence when purchasing from curated wellness brands on Live Love Spa, as 71% of consumers have encountered a scam or attempted scam while shopping online.3 The Future of eCommerce Financing
As 44% of shoppers said they always seek financing options,4 this partnership aims to address consumers' cost concerns while redefining the eCommerce payment experience in a new age of digitalization and integration.
"Consumer preferences are evolving alongside the growing digital presence of beauty and wellness brands, making cross-industry partnerships increasingly valuable to remain competitive," said Lisa Michaelis, CEO and Founder of Live Love Spa. "Partnering with CareCredit allows us to offer the financing options consumers expect, directly at the point of sale, helping more customers access the brands and products they want while putting their wellness needs at the forefront."
Through CareCredit, a Synchrony solution, this partnership enables access to an array of credit options for health and wellness products and services, including 6 and 12 months promotional financing options on purchases of $200+.
Expanding on Synchrony's years of expertise in consumer financing for more than 70.7 million active accounts,5 alongside approximately 500,000 total partner locations – including small and medium businesses – the partnership is expected to increase access to financing options for 100,000+ Live Love Spa customers and marks CareCredit's growing digital presence in the beauty and wellness space.
To learn more about CareCredit and how to apply, please visit: www.carecredit.com. To learn more about Synchrony's eCommerce solutions, please visit: www.synchrony.com.
FAQ
What is the current and projected growth of global eCommerce sales and cosmetic space?
Global eCommerce sales are forecasted to reach $6.4 trillion in 2026, with expected market growth to over $7.89 trillion by 2028 and an estimated 22.5% of all retail purchases taking place online.1 Online sales currently represent 41% of all beauty and personal care sales in the U.S., reflecting a significant shift in consumer purchasing habits within this sector.2
What role do financing options play in consumers' online shopping behavior?
Financing options play a significant role, as 44% of shoppers actively seek them,4 highlighting a strong consumer demand for payment solutions in the digital space.
Why are trusted payment options crucial for online shoppers?
Trusted payment options for eCommerce shoppers are crucial because 71% of consumers have encountered a scam or attempted scam while shopping online.3 Partnering with reputable payment solutions like CareCredit can provide added confidence.
How can I use CareCredit for Live Love Spa products at checkout?
CareCredit cardholders can apply for and use their card at the point of sale for Live Love Spa purchases on Shopify.
Does CareCredit plan to offer point of sale offerings across other eCommerce sites?
Yes, CareCredit and larger Synchrony network has been expanding its role and footprint in the eCommerce space, from Synchrony's agentic AI marketplace integration to CareCredit point of sale offerings.
About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.
About LiveLoveSpa.com:
LiveLoveSpa.com is the curated wellness destination where every product is carefully selected and vetted. So discovering your next favorite ritual feels like a recommendation from someone who gets it. For more than a decade, their team of experts has had its pulse at the forefront of wellness, elevated the professionals, and created the spaces where brands, businesses, and people finally discover each other.
As long as shoppers keep spending and paying their bills, Synchrony Financial NYSE: SYF can expect to profit.
These days, that’s been working pretty well. As one of the largest private-label credit card issuers in the United States, the company is making money, reducing loan losses, and handing billions back to shareholders.
Analysts are generally optimistic. But it’s a cyclical consumer credit play, so as with others in the industry, the biggest rewards go to investors who can ride volatility.
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Synchrony Operates Behind the ScenesIf Synchrony’s not a household name, it’s because most consumers interact with the company without knowing it. When someone signs up for a store credit card at a major retailer, a healthcare financing plan at a dentist’s office, or chooses the buy-now-pay-later option at an online checkout, there is a good chance Synchrony is behind it.
Synchrony Financial Today
SYF
Synchrony Financial
$73.36 +1.03 (+1.43%)
As of 03:59 PM Eastern
This is a fair market value price provided by Massive. Learn more.
52-Week Range$59.46▼
$88.77Dividend Yield1.64%
P/E Ratio7.59
Price Target$86.05
Synchrony partners with retailers, healthcare providers, and service businesses to issue their private-label credit cards, co-branded cards, installment loans, and health-and-wellness financing programs.
In the financial sector, the company is perhaps better known for its aggressive marketing of high-rate certificates of deposit, which bring in funds it can then lend against.
That lending partnership model is both Synchrony’s strength and its core risk. The company doesn’t compete for customers the way a traditional bank does. Consumer relationships come through the retailer’s brand loyalty.
But when the cycle turns and retailers suffer, so do sales and, by extension, Synchrony.
Credit Trends ImprovedThese potential challenges have not been an issue recently. Consolidated net earnings in the first quarter came in at $805 million, an increase of 6% year-over-year. Diluted earnings per share hit $2.27, up 20% from $1.89 the previous year and above analysts’ expectations.
The higher earnings per share came despite less dramatic growth in other areas. Purchase volume of $43 billion was up 6% from the year-ago quarter. Single-digit increases came in almost every segment, including digital, diversified, health and wellness, and lifestyle. Home and auto purchase volume remained level. Overall, loan receivables were also basically flat at $101 billion, and active accounts remained relatively constant.
Among the most important gauges of trends, however, is that the company’s net charge-off rate, or the relative amount of loans it writes off as uncollectable, fell sharply over the past year. In a decidedly mixed consumer credit environment, that’s an important story as charge-offs dropped to 5.42% from 6.38% a year earlier.
Equally important to earnings, Synchrony’s provision for loan losses, the amount set aside from earnings for future charge-offs, was down 11% in the first quarter compared with a year earlier. That followed an overall reduction in the provision of 22% in 2025.
A Turnaround Is Taking HoldThe company’s position is even more impressive when taking a look back a couple years. Through much of 2024 and into early 2025, consumer lenders faced rising charge-offs as pandemic-era savings ran dry. Lower-income borrowers were stretched thin under the weight of persistent inflation. Synchrony was not immune as charge-offs climbed. Management tightened underwriting standards, and the stock came under pressure.
Then Synchrony’s tighter credit controls began to show results. For 2025, the company reported net earnings of $3.5 billion, or $9.28 per diluted share, with full-year charge-offs pulling back within the company’s long-term target range of 5.5% to 6%. Those positive trends continued into this year.
The company has also been adding to its partner list, not just defending existing relationships against competitors like Capital One NYSE: COF and Bread Financial NYSE: BFH. Synchrony announced it added or renewed more than 15 partners in the first quarter, including Miracle Ear, Indian Motorcycle and Harbor Freight Tools. The company also further announced an enhanced credit card program with Dick’s Sporting Goods and expanded its CareCredit health financing platform into e-commerce partnerships in the cosmetic space.
Shareholders Are Getting PaidFor investors, the recent performance has meant income as well. Synchrony returned $1 billion in capital to shareholders in the first quarter, including $900 million of share repurchases and $104 million of common stock dividends. That’s supported by total liquid assets of $22.8 billion, or 18.8% of total assets, as of March 31.
For income investors, Synchrony declared a 30-cent quarterly common dividend and announced plans to raise that payout 13% to 34 cents per share beginning in the third quarter. With the dividend hike, the board also approved a new $6.5 billion share repurchase authorization.
Wall Street Sees PotentialDespite the positive results, no company deeply embedded in a cyclical industry is right for every investor. The stock, which hit a 52-week high in early January, is down more than 10% since the start of the year, signaling some investor hesitation about economic conditions. Over the past 12 months, however, shares are up almost 20%.
Synchrony Financial (SYF) Price Chart for Friday, June, 12, 2026
Given the recent pullback, analysts see a clear, if not robust, upside to the stock, rating the company an overall Moderate Buy. Currently trading around $70 per share, SYF's average 12-month price target is $86.05, or about 20% upside. Thirteen of the 21 analysts have placed a Buy rating on the company, while eight suggest Hold.
Cyclical Risks Come With Cyclical RewardsThere is no disguising the inherent risks and potential rewards of Synchrony shares. As a consumer credit company, they are built into the company’s business. For Synchrony, its revenues depend on keeping strong relationships with major retail and healthcare partners. The broader macro environment adds another layer of uncertainty.
Even after the year-over-year improvement in charge-offs, a 5.42% rate is still elevated in absolute terms, and the figure was trending up slightly compared with the two previous quarters. Even so, the profits were there.
For investors who like owning a well-run, capital-returning consumer lender with improving credit trends and proven earnings power, Synchrony might be a stock to consider. Cyclical stocks can be attractive for short-term trades if the timing is right. Longer-term value, however, comes by riding out volatility.
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Pay with the CareCredit credit card at more places: CareCredit is now accepted at 40 Pet Resort Hospitality Group locations in 12 states for training, boarding, daycare and grooming. Supporting pet care education: The partnership also supports Pet Resort University, an education program for pet care professionals—part of CareCredit's ongoing commitment to industry training. Helping pet owners manage costs: This partnership reinforces CareCredit's dedication to giving pet owners more flexible ways to pay for their pets' needs—from veterinary visits to everyday services beyond the vet. , /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced a new partnership with Pet Resort Hospitality Group (PRHG), an innovative leader in pet care services. This collaboration establishes the CareCredit credit card as the preferred financing solution for PRHG's network of premier pet resorts across 40 locations in 12 states, offering pet parents convenient options to manage costs for boarding, grooming and training services. It also supports education and growth opportunities for employees through the Pet Resort University education program, which empowers the industry, staff and partners to provide the best care possible to pets.
CareCredit is now accepted at 40 Pet Resort Hospitality Group locations in 12 states for training, boarding, daycare and grooming. Pet owners can use their CareCredit credit card at participating PRHG locations, including premier destinations like Paws 'n' Rec, Playtime Pet Resort and Olde Towne Pet Resort, to pay for comprehensive services such as daycare, professional grooming, overnight boarding, day camp packages and specialized training programs. With the rapidly growing pet grooming, daycare and lodging market projected to reach $10 billion to $13 billion,1 CareCredit is addressing this increased demand by helping to remove financial barriers to these essential services.
"CareCredit's core mission is to enable pet parents to offer the best possible care for their cherished pets across every aspect of their lives, beyond just medical needs to hospitality experiences," said Jonathan Wainberg, Senior Vice President, General Manager, Pet, Synchrony. "This partnership with Pet Resort Hospitality Group allows us to expand our commitment to holistic pet well-being, offering families a clear and accessible way to budget for everything from a fun-filled day at a pet resort to essential grooming and training. We're also providing peace of mind by ensuring they receive high-quality care even when their parents can't be with them."
Additionally, this partnership furthers education at Pet Resort University, PRHG's training program for its pet care professionals, partners and staff. Through this program, CareCredit is contributing to the continued learning that is necessary to provide the best care to all furry family members, empowering individuals in the pet industry through career-building opportunities.
"Partnering with CareCredit allows us to build on the continued growth of our network and commitment to serving thousands of pets, parents and staff members each year," said Jason Duffy, CEO of PRHG. "Using the trusted CareCredit credit card can help remove financial barriers, ensuring more pet parents can access the high-quality services that contribute to a pet's overall happiness, mental stimulation and development we are passionate about providing. Additionally, the partnership will expand our education program to assist staff and partners in building their careers to provide care for pets across the country."
In 2025, PRHG's extensive network served 71,000 pets belonging to 59,000 pet parents, facilitating 95,000 boarding stays and 5.1 million hours of daycare. The company employs more than 1,000 dedicated professionals, reflecting its significant presence and impact in the pet services industry. PRHG also partners with leading pet resorts to preserve their legacy and elevate their operations.
This partnership is a continuation of Synchrony's ongoing efforts to enhance and expand its CareCredit health and wellness offerings to build a comprehensive ecosystem that supports pet health and financial well-being. For more than 35 years, CareCredit has provided a financing solution for veterinary services, treatments and diagnostics. The health and wellness credit card helps provide pet owners with access to a variety of financing options to ensure they are financially prepared to support their pets, within their budget. CareCredit is accepted at more than 27,000 veterinary practices and all public veterinary university hospitals in the U.S., to ensure pet owners can access necessary care for their pets, ranging from routine checkups and emergency surgeries to grooming and boarding.
About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.
About Pet Resort Hospitality Group
Pet Resort Hospitality Group (PRHG) is a provider of pet services, including daycare, boarding, grooming, and training. PRHG is led by a management team with decades of experience in the pet resort industry and a proven track record of successfully scaling consumer businesses. Many PRHG executives got their start as hourly employees caring for dogs. They worked their way up as independent owners before partnering with PRHG to further expand the potential for their services. Each business within the PRHG family benefits from the experience of the PRHG leadership team in areas such as acquisition planning and integration, growth planning and strategic tactics, brand and technology unification, scalable resources and support, and back office management. PRHG also recently launched Pet Resort University in Bentonville, Arkansas —a first of its kind educational center built by pet care professionals —to educate the next generation of pet resort managers, pet groomers, and dog trainers. This initiative showcases the company's commitment to advancing its employees and professionalizing the pet services industry. The Company is currently pursuing strategic add on acquisitions of pet services businesses throughout the United States. To learn more, visit www.petresorts.love.
Media Contacts
Michelle Romero
Synchrony
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Taylor Wallace
Pet Resorts
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1
IBISWorld. "Pet Grooming & Boarding in the US Industry Data and Analysis." January, 2026. Retrieved from: https://www.ibisworld.com/united-states/industry/pet-grooming-boarding/1735/?utm_source=chatgpt.com
I reiterate a Strong Buy on Western Digital because my original AI storage thesis has moved from expectation to proof, with Q3 2026 showing 45% revenue growth. Micron and SK Hynix are giving the market the green light on the broader AI memory cycle, and I believe WDC will benefit from the same underlying driver. My growth drivers are nearline cloud demand, UltraSMR mix, cost-per-TB declines, and HAMR. The drivers can take WDC toward roughly $20.70 of est. 2028 EPS.
Momentum in cloud computing, IoT, auto and AI is expected to drive the prospects of Zacks Computer-Storage Devices industry players like SNDK, WDC and NLST.
