Highest-materiality recent filing
Synchrony Q1 EPS $2.27 beats $1.89 YoY; announces $6.5B buyback, 13% dividend hike
Net earnings $805M ($2.27 diluted EPS) vs $757M ($1.89) in Q1 2025.
Synchrony January 2026: 30+ delinquency 4.6%, adjusted net charge-off 4.7%
Period-end loan receivables $101.7B, down from $103.8B in December 2025.
Synchrony Q4 net earnings $751M ($2.04 EPS); credit quality improves, capital returns $1.1B
Net earnings down 3% YoY to $751M; diluted EPS up 6.8% to $2.04 on lower share count.
Synchrony Nov 2025 credit stats: 30+ delinquency 4.5% (flat MoM, -40bp YoY), net charge-off 5.6%
Period-end loan receivables $101.7B, up from $100.4B in Oct and down from $102.9B a year ago.
Synchrony Q3 net earnings $1.1B ($2.86 EPS) vs $789M; purchase volume up 2%, credit metrics improve
Net earnings $1.077B ($2.86 diluted EPS), up 37% YoY from $789M ($1.94).
Synchrony to acquire Lowe's commercial co-branded credit card portfolio ($0.8B receivables)
Acquisition of ~$0.8B in loan receivables from Lowe's commercial co-branded card portfolio.
Synchrony issues $1B in senior notes: $500M at 5.019% due 2029, $500M at 6.000% due 2036
Issued $500M of 5.019% Fixed-to-Floating Rate Senior Notes due 2029.
Synchrony Q2 net earnings $967M ($2.50 EPS) up 50% YoY; NIM expands, credit trends improve
Diluted EPS $2.50 vs $1.55 YoY; net earnings $967M up 50.4%.
Synchrony Financial June credit metrics improve; delinquencies at 4.2%, net charge-offs at 5.8%
Period-end loan receivables $99.8B at June 30, 2025, down 2.4% YoY from $102.3B.
Synchrony Financial May 2025 credit stats: net charge-off rate improves to 5.1% from 6.5% YoY
Period-end loan receivables $99.9B vs $102.4B a year earlier, down $2.5B.
Synchrony to exclusively issue OnePay credit cards for Walmart; launch fall 2025
Strategic partnership with OnePay (fintech backed by Walmart and Ribbit Capital); Synchrony is exclusive issuer of new Walmart credit card program.
Synchrony Q1 net earnings $757M ($1.89 EPS); board raises dividend 20%, authorizes $2.5B buyback
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).
Synchrony Q4 earnings surge 76% to $774M; EPS $1.91 vs $1.03 YoY
Diluted EPS $1.91, up 85% from $1.03; net earnings $774M vs $440M.
Synchrony Nov 2024 credit metrics: 30+ delinquencies at 4.9%, net charge-offs at 6.2%, both up YoY
Period-end loan receivables $102.9B; 30+ delinquency rate 4.9% vs 4.7% a year ago.
Synchrony Q3 net earnings $789M, +26% YoY; EPS $1.94 vs $1.48
Diluted EPS of $1.94, up 31% YoY from $1.48; net earnings $789M (+26%).
30+ delinquency rate reached 4.8% at Sep 30, 2024, up from 4.4% at Sep 30, 2023.
Synchrony August charge-off rate 5.6% (4.6% YoY); 30+ delinquency 4.6% (4.1% YoY)
Period-end loan receivables $102.5B at Aug 31, 2024, up from $97.3B a year earlier.
Net earnings $643M, EPS $1.55 diluted, vs $569M and $1.32 in Q2 2023; net revenue up 12.7%.
Synchrony shareholders approve 2024 LTIP (27.5M shares) and officer exculpation charter amendment
Stockholders elected all 10 director nominees; vote tallies provided for each.
Synchrony Financial May 2024 credit stats: delinquency/charge-off rates rise YoY
Period-end loan receivables $102.4B as of May 31, 2024.
Synchrony reports April 2024 credit stats: 30+ delinquency 4.6%, net charge-off 6.7%, both up YoY
30+ delinquency rate 4.6% at Apr 30, 2024, up from 3.7% a year ago, reflecting continued moderation in payment rates.
Synchrony Q1 GAAP EPS $3.14, adj EPS $1.18; loan rec up 12%; net charge-offs 6.31%
GAAP net earnings $1.3B ($3.14 diluted EPS); adjusted net earnings $491M ($1.18) excl Pets Best gain.
Period-end loans at $101.7B as of Mar 31, 2024, up from $91.1B a year ago.
elected Mr. Daniel Colao as a director of the Company and appointed him to serve on the Risk and Technology Committees of the Board, effective October 1, 2024.
On June 28, 2024, the Company appointed Amy Tiliakos as Senior Vice President, Chief Accounting Officer and Controller, effective as of August 1, 2024.
Effective as of Mr. Melito’s retirement, Brian J. Wenzel, Sr., Executive Vice President and Chief Financial Officer, will serve as the Company’s interim principal accounting officer through July 31, 2024.
David P. Melito, Chief Accounting Officer and Controller of Synchrony Financial (the “Company”) will retire effective July 2, 2024.
Max materiality 0.85 · Median 0.57 · Most common event other_material