Synchrony Q2 net earnings down 8% to $885M; record purchase volume $49.8B up 8%

Synchrony Financial

Net earnings $885M ($2.59 diluted EPS) vs $967M ($2.50) YoY; EPS up 3.6% on share repurchases.
Record purchase volume $49.8B (+8% YoY); loan receivables $102.2B (+2%); average active accounts flat at 68.3M.
Net charge-offs improved to 5.43% from 5.70% YoY; 30+ day delinquencies down 2bps to 4.16%.
Returned $950M in capital ($850M buybacks, $100M dividends); CET1 ratio 13.2% vs 14.2% prior year.
Added/renewed 15+ partners including Suzuki Motor, AmeriVet, Roto-Rooter; launched MyLowe's Pro Rewards AmEx.

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