Synchrony Q4 earnings surge 76% to $774M; EPS $1.91 vs $1.03 YoY

Synchrony Financial

2024-FY EPS reported $8.55

Diluted EPS $1.91, up 85% from $1.03; net earnings $774M vs $440M.
Net interest income $4.59B (+3%); provision for credit losses down 13.5% to $1.56B.
Purchase volume $48.0B (-3%); loan receivables $104.7B (+2%).
CET1 ratio 13.3% vs 12.2% a year ago; returned $197M in capital via buybacks and dividends.
Added or renewed nearly 30 partner programs; extended Sam's Club and JCPenney agreements.

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