Synchrony Q2 net earnings $967M ($2.50 EPS) up 50% YoY; NIM expands, credit trends improve

Synchrony Financial

2025-Q2 EPS reported $4.38

Diluted EPS $2.50 vs $1.55 YoY; net earnings $967M up 50.4%.
Net interest income $4.5B (+2.6% YoY); net revenue $3.65B (-1.8% from higher retailer share).
Net charge-off rate 5.70% vs 6.42% YoY (-72 bps); provision down 32% to $1.15B.
CET1 ratio 13.6% (up from 12.6%); returned $614M in capital including $500M buyback.
Renewed Amazon partnership with Synchrony Pay Later; announced OnePay to power Walmart credit card.

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