Synchrony Financial
SYF
ISIN null / Valor 23967617
Synchrony Financial
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About company
Synchrony Financial is a leading consumer financial services company that provides a wide range of credit products to consumers, retailers, and businesses. The company focuses on offering credit cards, installment loans, and other financial services to help customers make purchases and manage their finances. In addition to its core business, Synchrony Ventures invests in minority-owned startups to promote diversity and inclusion in the economy.
Summarized from source with an LLMView SourceSector: FinanceLatest Results (25.10.2025):
Synchrony Financial reported a strong performance in the third quarter of 2025, achieving net earnings of $1.1 billion or $2.86 per diluted share, a significant increase from $789 million or $1.94 per diluted share in the same quarter last year. The company also approved an additional $1.0 billion for share repurchases, reinforcing its commitment to returning capital to shareholders.
Earnings Growth
In Q3 2025, Synchrony Financial's net earnings rose by 37% to $1.1 billion, compared to $789 million in Q3 2024. Earnings per diluted share increased to $2.86 from $1.94 year-over-year.
Share Repurchase Authorization
The Board of Synchrony Financial approved an incremental share repurchase authorization of $1.0 billion in September 2025. As of September 30, 2025, the company has $2.1 billion remaining in its repurchase program through June 30, 2026.
Purchase Volume and Credit Performance
Purchase volume grew by 2% to $46.0 billion, driven by stronger spend trends across all platforms. The company's credit performance remained robust, with loans 30+ days past due decreasing to 4.39% and net charge-offs declining to 5.16%.
Key Financial Metrics
Synchrony Financial reported a net interest margin increase of 58 basis points to 15.62% and an efficiency ratio improvement of 140 basis points to 32.6%. Return on assets rose by 100 basis points to 3.6%, and return on equity increased by 5 percentage points to 25.1%.
Business Acquisitions and Partnerships
The company expanded its portfolio by acquiring the Lowe’s commercial co-branded credit card portfolio and Versatile Credit. Additionally, Synchrony formed strategic partnerships with Dental Intelligence and renewed over 15 partners, enhancing its financing solutions.
Capital and Liquidity
Synchrony returned $971 million in capital to shareholders, including $861 million in share repurchases and $110 million in dividends. The company's Common Equity Tier 1 ratio improved to 13.7%, and total liquid assets stood at $18.2 billion.
Summarized from source with an LLMView SourceKey figures
Performance
Volatility
25651 M
Market cap (USD)
4,652,424
Daily traded volume (Shares)
65.52 / 64
1 day high/low (USD)
52 weeks high/low (USD)
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EPS (USD)
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Ratings & reviews
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