---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-25-000041"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2025-01-28T23:59:59+00:00"
generated_at: "2026-05-27T08:21:52.811687+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001601712-25-000041
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2025-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000041/0001601712-25-000041-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000041/syf-20250128.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-25-000041
- JSON: https://secwatch.observer/filing/0001601712-25-000041.json
- Plain text: https://secwatch.observer/filing/0001601712-25-000041.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.