Earnings summaries and quarterly performance for Synchrony Financial.
Executive leadership at Synchrony Financial.
Brian Doubles
Detailed
President and Chief Executive Officer
CEO
Alberto Casellas
Detailed
Executive Vice President and CEO—Health & Wellness
Amy Tiliakos
Detailed
Senior Vice President, Chief Accounting Officer and Controller
Bart Schaller
Detailed
Executive Vice President and CEO—Digital
Brian Wenzel
Detailed
Executive Vice President, Chief Financial Officer
Carol Juel
Detailed
Executive Vice President, Chief Technology and Operating Officer
Courtney Gentleman
Detailed
Executive Vice President and CEO—Diversified & Value
Curtis Howse
Detailed
Executive Vice President and CEO—Home & Auto
Darrell Owens
Detailed
Executive Vice President and CEO—Lifestyle
Jonathan Mothner
Detailed
Executive Vice President, Chief Risk and Legal Officer
Board of directors at Synchrony Financial.
Art Coviello
Detailed
Director
Bill Parker
Detailed
Director
Daniel Colao
Detailed
Director
Deborah Ellinger
Detailed
Director
Ellen Zane
Detailed
Director
Fernando Aguirre
Detailed
Director
Jeffrey Naylor
Detailed
Non-Executive Chair of the Board
Kamila Chytil
Detailed
Director
Laurel Richie
Detailed
Director
Paget Alves
Detailed
Director
Roy Guthrie
Detailed
Director
Research analysts who have asked questions during Synchrony Financial earnings calls.
Mihir Bhatia
Bank of America
5 questions for SYF
Also covers: ACT, AXP, BFH +11 more
Ryan Nash
Goldman Sachs & Co.
5 questions for SYF
Also covers: ALLY, AXP, CFG +6 more
Terry Ma
Barclays
5 questions for SYF
Also covers: AER, AL, AXP +15 more
Jeffrey Adelson
Morgan Stanley
4 questions for SYF
Also covers: ALLY, AXP, BFH +6 more
John Hecht
Jefferies
4 questions for SYF
Also covers: AFRM, ARCC, CACC +22 more
Moshe Orenbuch
TD Cowen
4 questions for SYF
Also covers: AER, AFRM, AL +11 more
Sanjay Sakhrani
Keefe, Bruyette & Woods (KBW)
4 questions for SYF
Also covers: ALLY, AVDX, AXP +17 more
Donald Fandetti
Wells Fargo & Company
3 questions for SYF
Also covers: AOMR, AXP, BXMT +7 more
John Pancari
Evercore ISI
3 questions for SYF
Also covers: ALLY, BFH, CFG +16 more
Mark DeVries
Deutsche Bank
3 questions for SYF
Also covers: ALLY, AXP, BUR +8 more
Richard Shane
JPMorgan Chase & Co.
3 questions for SYF
Also covers: ABR, ACRE, ACT +19 more
Robert Wildhack
Autonomous Research
3 questions for SYF
Also covers: AFRM, ALLY, AXP +6 more
Erika Najarian
UBS
2 questions for SYF
Also covers: AXP, BAC, C +14 more
Bill Carcache
Wolfe Research, LLC
1 question for SYF
Also covers: BFH, CMA, COF +10 more
Don Fandetti
Wells Fargo
1 question for SYF
Also covers: BXMT, RWT, SLM
Vernon Crowell
Robert W. Baird & Co.
1 question for SYF
Recent press releases and 8-K filings for SYF.
Synchrony Financial outlines 2026 growth and credit strategy
SYF
New Projects/Investments
Guidance Update
Share Buyback
- More than 40 partners renewed, including Walmart, and launched Walmart OnePay, Amazon Pay Later, and a physical PayPal card to fuel Digital and Diversified Value platforms in 2026.
- Purchase volume +2% in Q3, with average transaction volume and frequency improving across prime through subprime segments and sustained momentum into November, marked by an early holiday pull-forward and strong weekend sales.
- Delinquencies at 4.5% (both 30+ and 90+ days), outperforming seasonal norms, with stable charge-off rates supporting selective credit easing to drive growth in 2026.
- Net interest margin anticipated to approach or exceed 16%, driven by higher deposit rates, PPP runoff tailwinds, and funding optimization despite compression in fixed-rate promotions.
- Common Equity Tier 1 ratio remains over 13.5%, with a $3.5 billion share buyback program and headroom to an 11% target supporting ongoing repurchases alongside loan growth.
Dec 9, 2025, 1:00 PM
Synchrony Financial outlines 2026 growth strategy at Goldman Sachs conference
SYF
Product Launch
- Delivered a strong 2025 performance: renewed >40 partners including Walmart, launched new digital payment products, and maintained disciplined credit with ~4.5% delinquencies and –1% loan growth vs. –2% a year ago.
- Consumer spending momentum continued: purchase volumes turned positive at +2% in 3Q, driven by improved average transaction volume and frequency across prime to non-prime cohorts, with trends persisting into Q4 2025.
- Key growth platforms include Digital (Amazon PayLater, PayPal partnerships), Health & Wellness (integrated in 40 IFBs), and Diversified Value (Walmart OnePay marked the fastest program launch in company history).
- Plans to unwind 2025 credit curtailments in phases entering 2026 to support a return to 7–10% medium-term loan growth, with formal guidance to be provided in January.
Dec 9, 2025, 1:00 PM
Synchrony Financial previews 2026 growth with strong credit and partnerships
SYF
Product Launch
Share Buyback
Guidance Update
- Renewed 40+ partners including Walmart, managed credit performance and executed significant stock repurchases to drive earnings growth.
- Launched Walmart OnePay, Amazon PayLater, and a PayPal physical card, with early traction in digital, health & wellness, and diversified value platforms set to bolster 2026 growth.
- Credit outperformance: delinquencies at 4.5%, charge-offs better than seasonality, loan growth down 1% vs down 2% expected, and elevated payment rates.
- Consumer spending rebound: Q3 purchase volume + 2%, ATV/ATF improving across cohorts, strong holiday performance in early November and weekend shopping; big-ticket home specialty still subdued.
- Strong capital position: CET1 > 13.5%, incremental share buyback increased to $3.5 billion, with plans to sustain capital return while targeting an ~11% CET1 level.
Dec 9, 2025, 1:00 PM
Synchrony discusses credit trends and strategic growth at KBW Fintech Payments Conference
SYF
Share Buyback
Product Launch
- Consumer resilience with mid-2023 credit actions driving improved net charge-offs and stabilized delinquencies across credit tiers
- 30% of prior credit tightening eased in Q4 2025, with remaining unwind in three phases through 2027 to support sales growth
- Walmart card relaunched via OnePay app with enhanced API integration and richer rewards (5% off for Plus members; 3% off for non-Plus) aiming for top-10 program scale
- Positive NIM outlook from lower funding costs, ongoing variable APR resets (75% by June 2026), and lagging deposit betas suggesting carryover into 2026
- CET1 at 13.1% and a new $1 billion share buyback, prioritizing organic RWA growth (Walmart, Lowe’s commercial) and selective bolt-on acquisitions over large M&A
Nov 12, 2025, 3:10 PM
Synchrony CFO outlines credit strategy and growth drivers at KBW Fintech Payments Conference 2025
SYF
Guidance Update
- Consumer credit metrics remain resilient, with 30-day-plus delinquencies and net charge-offs improving year-over-year and reserve rates showing a downward bias as macro conditions stabilize.
- 30% of prior credit tightening has been unwound in phase one; phases two and three will complete the unwind into mid-2026, supporting a return to sales growth.
- Growth catalysts include the relaunched Walmart co-branded card with enhanced digital integration, the Lowe’s commercial portfolio entering in 2026, and expansion in health & wellness and digital partnerships.
- Net interest margin is supported by a positive 4% yield on earning assets versus 3.8% funding cost, with balanced headwinds and tailwinds from rate moves and deposit strategies.
Nov 12, 2025, 3:10 PM
Synchrony announces Q3 2025 results
SYF
Earnings
Guidance Update
Share Buyback
- Purchase volume of $46 billion (+2% YoY) and net earnings of $1.1 billion ($2.86/share), with net interest margin up to 15.62%
- Delinquency rates improved (30+ days at 4.39%, 90+ days at 2.12%) and net charge-off rate fell to 5.16%
- Ending loan receivables down 2% to $100 billion, CET1 ratio at 13.7%, and returned $971 million to shareholders, including $861 million in buybacks and a $1 billion incremental authorization
- 2025 guidance: flat ending receivables, loss rate 5.6–5.7%, net revenue $15.0–15.1 billion, NIM ~15.7%, efficiency ratio 33–33.5%
Oct 15, 2025, 12:00 PM
Synchrony Financial reports Q3 2025 results
SYF
Earnings
Guidance Update
Share Buyback
- Net revenue was flat at $3.823 bn, net interest income rose 2% to $4.720 bn, net interest margin expanded to 15.62%, and EPS jumped to $2.86 (+47%) in Q3’25.
- Provision for credit losses declined 28% to $1.146 bn, while net charge-offs improved to 5.16% of average loans, down from 6.06% a year ago.
- Purchase volume grew 2% to $46.0 bn, loan receivables totaled $100.2 bn, and average active accounts were 68.3 mm.
- Common Equity Tier 1 ratio increased to 13.7%, and the Board approved an incremental $1.0 bn share repurchase, leaving $2.1 bn remaining through 2Q ’26.
- For FY 2025, management narrowed net revenue guidance to $15.0–15.1 bn, expects net charge-offs of 5.6–5.7%, and an efficiency ratio of 33.0–33.5%.
Oct 15, 2025, 12:00 PM
Synchrony Financial reports Q3 2025 results
SYF
Earnings
Share Buyback
- Net earnings of $1.1 billion, or $2.86 per diluted share, up from $789 million, or $1.94 per share in Q3 2024.
- Purchase volume rose 2% to $46.0 billion, while loan receivables decreased 2% to $100.2 billion.
- The Board approved an incremental $1.0 billion share repurchase authorization, bringing total remaining capacity to $2.1 billion through June 30, 2026.
- Key metrics included a 3.6% return on assets, 13.7% CET1 ratio, and $971 million of capital returned to shareholders.
Oct 15, 2025, 10:00 AM
Synchrony Financial reports Q3 2025 results, increases share buyback authority
SYF
Earnings
Share Buyback
- Synchrony Financial announced its third quarter 2025 results for the period ended September 30, 2025.
- Brian Doubles (CEO) and Brian Wenzel Sr. (CFO) will host a conference call at 8:00 a.m. ET to discuss the results and outlook.
- The Board approved a $1 billion increase to share repurchase authorization, bringing total capacity to $2.1 billion through June 30, 2026.
Oct 15, 2025, 10:00 AM
Synchrony Financial faces calls to disclose director independence issues
SYF
Legal Proceedings
Board Change
- The OPEIU and CWA filed complaints with the SEC, NYSE and New York Attorney General alleging Synchrony Financial failed to disclose a material relationship that compromised the independence of Audit Committee chair Paget Alves.
- Alves joined Project Black’s advisory committee in February 2021, and in February 2023 Synchrony made a $100 million co-investment in the fund while she chaired the Audit Committee.
- Synchrony did not disclose these relationships in its 10-Ks or proxy statements, raising concerns under NYSE director independence rules.
- The unions also point to governance risks amid Synchrony’s $3.7 billion healthcare lending business via CareCredit and potential service quality issues at Sorenson Communications.
Oct 14, 2025, 7:08 PM
Quarterly earnings call transcripts for Synchrony Financial.
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