earnings
confidence high
sentiment neutral
materiality 0.80
Synchrony Q4 net earnings $751M ($2.04 EPS); credit quality improves, capital returns $1.1B
Synchrony Financial
2025-FY EPS reported
$9.28
- Net earnings down 3% YoY to $751M; diluted EPS up 6.8% to $2.04 on lower share count.
- Net charge-offs improved 108 bps to 5.37%; 30+ day delinquencies down 21 bps to 4.49%.
- Purchase volume up 3% to $49.5B; loan receivables down 1% to $103.8B.
- Returned $1.1B to shareholders ($952M buybacks, $106M dividends); $1.2B remaining authorization.
- Efficiency ratio rose 360 bps to 36.9% on $67M restructuring charge for early retirement program.