earnings
confidence high
sentiment positive
materiality 0.80
Synchrony Q3 net earnings $1.1B ($2.86 EPS) vs $789M; purchase volume up 2%, credit metrics improve
Synchrony Financial
2025-Q3 EPS reported
$7.22
- Net earnings $1.077B ($2.86 diluted EPS), up 37% YoY from $789M ($1.94).
- Purchase volume +2% to $46.0B; loan receivables -2% to $100.2B; net interest margin +58bps to 15.62%.
- Net charge-offs 5.16% (down 90bps YoY); 30+ day delinquencies 4.39% (down 39bps).
- Board approved incremental $1.0B buyback; total repurchase authorization $2.1B through June 2026.
- Returned $971M in capital ($861M buybacks, $110M dividends); CET1 ratio 13.7%.