Synchrony Q1 net earnings $757M ($1.89 EPS); board raises dividend 20%, authorizes $2.5B buyback

Synchrony Financial

2025-Q1 EPS reported $1.89

Net earnings $757M ($1.89 diluted EPS) vs $1.3B ($3.14) last year; adjusted EPS up 54% vs $1.18 prior (ex-Pets Best).
Board raised quarterly dividend 20% to $0.30 per share; authorized $2.5B share repurchase through June 2026.
Purchase volume down 4% to $40.7B; loan receivables down 2% to $99.6B; net interest margin up 19 bps to 14.74%.
Credit quality: 30+ days past due improved to 4.52% (down 22 bps); net charge-offs 6.38% (up 7 bps).
Fitch upgraded Synchrony's long-term IDR to 'BBB' with stable outlook.

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