Earnings summaries and quarterly performance for Synchrony Financial.
Executive leadership at Synchrony Financial.
Brian Doubles
Detailed
President and Chief Executive Officer
CEO
AC
Alberto Casellas
Detailed
Executive Vice President and CEO—Health & Wellness
AT
Amy Tiliakos
Detailed
Senior Vice President, Chief Accounting Officer and Controller
BS
Bart Schaller
Detailed
Executive Vice President and CEO—Digital
BW
Brian Wenzel
Detailed
Executive Vice President, Chief Financial Officer
CJ
Carol Juel
Detailed
Executive Vice President, Chief Technology and Operating Officer
CG
Courtney Gentleman
Detailed
Executive Vice President and CEO—Diversified & Value
CH
Curtis Howse
Detailed
Executive Vice President and CEO—Home & Auto
DO
Darrell Owens
Detailed
Executive Vice President and CEO—Lifestyle
JM
Jonathan Mothner
Detailed
Executive Vice President, Chief Risk and Legal Officer
Board of directors at Synchrony Financial.
AC
Art Coviello
Detailed
Director
BP
Bill Parker
Detailed
Director
DC
Daniel Colao
Detailed
Director
DE
Deborah Ellinger
Detailed
Director
EZ
Ellen Zane
Detailed
Director
FA
Fernando Aguirre
Detailed
Director
JN
Jeffrey Naylor
Detailed
Non-Executive Chair of the Board
KC
Kamila Chytil
Detailed
Director
LR
Laurel Richie
Detailed
Director
PA
Paget Alves
Detailed
Director
RG
Roy Guthrie
Detailed
Director
Research analysts who have asked questions during Synchrony Financial earnings calls.
MB
Mihir Bhatia
Bank of America
7 questions for SYF
Also covers: ACT, AXP, BFH +11 more
Ryan Nash
Goldman Sachs & Co.
7 questions for SYF
Also covers: ALLY, AXP, CFG +7 more
Jeffrey Adelson
Morgan Stanley
6 questions for SYF
Also covers: ALLY, AXP, BFH +7 more
MO
Moshe Orenbuch
TD Cowen
6 questions for SYF
Also covers: AER, AFRM, AL +11 more
TM
Terry Ma
Barclays
6 questions for SYF
Also covers: AER, AL, AXP +16 more
RW
Robert Wildhack
Autonomous Research
5 questions for SYF
Also covers: AFRM, ALLY, AXP +6 more
Erika Najarian
UBS
4 questions for SYF
Also covers: AXP, BAC, C +14 more
JH
John Hecht
Jefferies
4 questions for SYF
Also covers: AFRM, ARCC, BFH +23 more
SS
Sanjay Sakhrani
Keefe, Bruyette & Woods (KBW)
4 questions for SYF
Also covers: ALLY, AVDX, AXP +18 more
Donald Fandetti
Wells Fargo & Company
3 questions for SYF
Also covers: AOMR, AXP, BXMT +7 more
Don Fandetti
Wells Fargo
3 questions for SYF
Also covers: AXP, BXMT, COF +2 more
JP
John Pancari
Evercore ISI
3 questions for SYF
Also covers: ALLY, AXP, BFH +19 more
Mark DeVries
Deutsche Bank
3 questions for SYF
Also covers: ALLY, AXP, BUR +9 more
RS
Richard Shane
JPMorgan Chase & Co.
3 questions for SYF
Also covers: ABR, ACRE, ACT +19 more
BF
Brian Foran
Truist Financial
2 questions for SYF
Also covers: AXP, CMA, COF +8 more
RS
Rick Shane
JPMorgan Chase & Co.
2 questions for SYF
Also covers: ABR, AGNC, AXP +8 more
SS
Sanjay Sakrani
KBW
2 questions for SYF
Also covers: MA
Bill Carcache
Wolfe Research, LLC
1 question for SYF
Also covers: BFH, CMA, COF +10 more
VC
Vernon Crowell
Robert W. Baird & Co.
1 question for SYF
Recent press releases and 8-K filings for SYF.
Synchrony Financial reports Q4 2025 results
SYF
Earnings
- Q4 purchase volume rose 3% YoY to $49.5 bn, driven by Dual Card/Co-Brand growth of 16%.
- Net revenue was $3.793 bn, essentially flat YoY; net interest margin widened 82 bps to 15.83% on higher loan yields and lower funding costs.
- Net earnings were $751 mm, or $2.04 diluted EPS (up 7% YoY, includes ~$0.14 restructuring charge); net charge-off rate improved to 5.37% from 6.45% a year ago.
- Provision for credit losses declined 8% to $1.442 bn, while 30+ days past due improved to 4.39% of period-end receivables.
- Returned $1.1 bn of capital in the quarter; CET1 capital ratio was 12.6%.
7 days ago
Synchrony Financial reports Q4 2025 results
SYF
Earnings
Guidance Update
Debt Issuance
- Synchrony generated Q4 net earnings of $751 million (**$2.04** per diluted share), with a 2.5% return on average assets and 21.8% return on tangible common equity.
- Fourth-quarter purchase volume reached a record $49 billion (up 3% YoY); for full year 2025, Synchrony added 20 million new accounts and facilitated $182 billion of partner sales.
- Credit performance strengthened: net charge-off rate fell to 5.37% (down 108 bps YoY) and 30+/90+ delinquency rates remained below pre-pandemic levels .
- Balance sheet and funding: ending loan receivables of $104 billion (-1% QoQ), CET1 ratio of 12.6%, and issued a $750 million, 3-year secured bond at 4.06% .
- 2026 guidance includes mid-single-digit receivables growth, net charge-offs in the 5.5%–6% range, net interest income growth and EPS of $9.10–$9.50 .
7 days ago
Synchrony reports Q4 2025 results
SYF
Earnings
Guidance Update
Share Buyback
- Synchrony reported Q4 net earnings of $751 million or $2.04 per diluted share, with full-year net earnings of $3.6 billion or $9.28 per share; Q4 return on average assets was 2.5% and return on tangible common equity was 21.8%, while full-year ROA was 3.0% and ROTCE was 25.8%.
- Q4 purchase volume reached a record $49 billion, up 3% year-over-year, as average active accounts and spend trends strengthened across most platforms.
- The company returned $1.1 billion to shareholders in Q4 through $952 million of share repurchases and $106 million of dividends, bringing full-year capital returns to $3.3 billion.
- For 2026, Synchrony forecasts mid-single-digit receivables growth, a net charge-off rate within its 5.5%–6% target range, and EPS of $9.10 to $9.50.
7 days ago
Synchrony Financial reports Q4 2025 earnings
SYF
Earnings
Guidance Update
Share Buyback
- Net earnings of $751 million (Q4) or $2.04 per diluted share and $3.6 billion (FY) or $9.28 per diluted share; return on average assets 2.5% and return on tangible common equity 21.8%; tangible book value per share up 9% YoY.
- Q4 purchase volume of $49 billion, a record and +3% YoY; ending loan receivables down 1% to $104 billion; net interest income +4% to $4.8 billion; net interest margin +82 bps to 15.83%.
- Asset quality strengthened: 30+ delinquency at 4.49% (–21 bps), 90+ delinquency at 2.17% (–23 bps), and net charge-off rate at 5.37% (–108 bps); allowance for credit losses 10.06% of receivables.
- Funding and capital robust: deposits 84% of total funding; CET1 ratio 12.6%, Tier 1 ratio 13.8%, total capital ratio 15.8%; returned $1.1 billion to shareholders in Q4 (repurchases $952 million, dividends $106 million).
- 2026 outlook calls for mid-single-digit ending receivables growth, net charge-off rate of 5.5%–6%, growing net interest income, and EPS of $9.10–$9.50 for the year.
7 days ago
Synchrony Financial reports Q4 2025 results
SYF
Earnings
- Synchrony posted net earnings of $751 million ($2.04 per diluted share) in Q4 2025, down from $774 million ($1.91) in Q4 2024, including a $51 million after-tax restructuring charge ($0.14 EPS)
- Purchase volume rose 3% to $49.5 billion, while loan receivables declined 1% to $103.8 billion, reflecting a $0.2 billion sale of receivables in the quarter
- Net interest margin expanded 82 basis points to 15.83%, though the efficiency ratio widened 360 bps to 36.9% largely due to restructuring costs
- Returns dipped modestly, with ROA at 2.5% (-10 bps) and ROE at 17.6% (-130 bps), while book value per share climbed 13% to $44.74
8 days ago
Synchrony Financial announces Q4 2025 results and dividend
SYF
Earnings
Dividends
- Synchrony Financial reported fourth quarter 2025 results, with detailed financials available on its Investor Relations website.
- The Board declared a common stock dividend of $0.30 per share, payable February 17, 2026, to holders of record on February 6, 2026.
- Dividends on preferred shares: Series A Preferred Stock $14.06 per share ($0.351563 per depositary share) and Series B Preferred Stock $20.63 per share ($0.515625 per depositary share), both payable February 17, 2026, record February 6, 2026.
8 days ago
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
Quarterly earnings call transcripts for Synchrony Financial.
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