Synchrony Financial

Latest Results (08.09.2025):

Synchrony Financial reported strong second quarter 2025 earnings, showcasing a significant increase in net earnings and solid performance across key financial metrics. The company's strategic initiatives and resilient business model have contributed to its continued growth and market leadership.

Significant Earnings Growth

In the second quarter of 2025, Synchrony Financial achieved net earnings of $967 million, or $2.50 per diluted share, marking a 50% increase compared to $643 million, or $1.55 per diluted share, in the same quarter of 2024.

Enhanced Operational Metrics

Key operating metrics improved, with net interest margin rising by 32 basis points to 14.78% and return on assets increasing by 100 basis points to 3.2%. Additionally, return on equity surged by 6 percentage points to 23.1%, reflecting strong financial performance.

Strategic Business Developments

Synchrony Financial strengthened its partnerships by renewing its 15+ year relationship with Amazon and launching Synchrony Pay Later. The company also announced a new partnership with OnePay to power a credit card program at Walmart, enhancing its product offerings and market reach.

Robust Credit Quality

The company's credit quality remained strong, with loans 30+ days past due decreasing to 4.18%, and net charge-offs reduced to 5.70% of total loan receivables, both showing improvements over the prior year and historical averages.

Solid Balance Sheet and Capital Position

Synchrony Financial maintained a healthy balance sheet with loan receivables of $99.8 billion and total liquid assets of $21.8 billion. The company returned $614 million in capital to shareholders and improved its Common Equity Tier 1 ratio to 13.6%, showcasing a strong capital position.