Live Report · Updated January 26, 2026

Synchrony vs Huntington

Synchrony Financial and Huntington Bancshares Incorporated are examined side by side to illuminate how their business models, financial performance, and market context compare. This page presents neutral, accessible information to help readers understand each company and the landscape in which they operate. Educational content, not financial advice.

Synchrony Financial and Huntington Bancshares Incorporated are examined side by side to illuminate how their business models, financial performance, and market context compare. This page presents neut...

Comparison Snapshot

Key Financial Metrics

SYF

Metric

HBAN

$27.92B

Market Cap

$27.18B

19.95%

Potential Profit

17.14%

Buy

Analyst Rating

Buy

Why It's Moving

Synchrony Gears Up for Q4 Earnings Reveal as Strategic Partnerships Signal Expansion Momentum

Renewed partnership with METUS expands flexible HVAC financing options, tapping into rising demand for home comfort upgrades.
New credit card launch with The Toro Company targets lawn equipment buyers, widening Synchrony's retail financing footprint.
CareCredit integration with Clover App Market accelerates growth by enabling seamless financing for health and wellness providers.

Sentiment:

🐃Bullish

Huntington Bancshares eyes record 2026 interest income amid merger momentum and solid Q4 results.

Q4 interest income surged 14% to $1.6 billion, driven by higher margins and 14% YoY loan growth to $146.6 billion, signaling strong borrowing demand post-Fed rate cuts.
Forecasts record 2026 interest income with loans up 11-12% and deposits growing 8-9%, boosted by $1.85-$1.90 billion from the impending Cadence merger.
Maintained quarterly dividend at $0.155 per share and completed Veritex integration smoothly, enhancing Texas and Southern footprint for organic growth.

Sentiment:

🐃Bullish

Synchrony Gears Up for Q4 Earnings Reveal as Strategic Partnerships Signal Expansion Momentum

Renewed partnership with METUS expands flexible HVAC financing options, tapping into rising demand for home comfort upgrades.
New credit card launch with The Toro Company targets lawn equipment buyers, widening Synchrony's retail financing footprint.
CareCredit integration with Clover App Market accelerates growth by enabling seamless financing for health and wellness providers.

Sentiment:

🐃Bullish

Huntington Bancshares eyes record 2026 interest income amid merger momentum and solid Q4 results.

Q4 interest income surged 14% to $1.6 billion, driven by higher margins and 14% YoY loan growth to $146.6 billion, signaling strong borrowing demand post-Fed rate cuts.
Forecasts record 2026 interest income with loans up 11-12% and deposits growing 8-9%, boosted by $1.85-$1.90 billion from the impending Cadence merger.
Maintained quarterly dividend at $0.155 per share and completed Veritex integration smoothly, enhancing Texas and Southern footprint for organic growth.

Sentiment:

🐃Bullish

Investment Analysis

Synchrony

SYF

Pros

Synchrony Financial delivered robust earnings in Q3 2025, with EPS significantly above analyst expectations and strong net interest income growth.
The company maintains a low price-to-earnings ratio, below industry averages, suggesting attractive valuation relative to peers.
Synchrony benefits from stable partnerships with major retail and digital platforms, supporting consistent lending volumes and credit performance.

Considerations

Loan growth has slowed as consumers become more cautious, limiting near-term expansion opportunities.
Elevated funding costs and persistent high interest rates could pressure net interest margins in the coming quarters.
The stock's valuation already reflects stable credit conditions, leaving limited upside if economic conditions deteriorate.

Huntington

HBAN

Pros

Huntington Bancshares operates a diversified regional banking business with a broad network of branches and multiple revenue streams.
The company provides a range of financial products and services to both consumers and businesses, supporting stable customer relationships.
Huntington's segments include commercial banking, vehicle finance, and wealth management, which helps mitigate sector-specific risks.

Considerations

The stock has underperformed over the past year, with analysts forecasting further price declines in the near term.
Regional banks like Huntington face margin pressure from higher funding costs and a challenging interest rate environment.
Slower economic growth and cautious consumer spending could impact loan demand and asset quality across its segments.

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