SYF Q4 2025

Q1 2026 Q4 2025 Q3 2025 Q2 2025

Earnings

Synchrony Financial delivered a mixed fourth quarter, nudging past earnings expectations while falling short on revenue as the consumer lending giant navigated a sharp year-over-year revenue decline. The company posted diluted EPS of $2.04, edging ab… Read more Synchrony Financial delivered a mixed fourth quarter, nudging past earnings expectations while falling short on revenue as the consumer lending giant navigated a sharp year-over-year revenue decline. The company posted diluted EPS of $2.04, edging above the $2.02 consensus estimate by 0.91%, even as quarterly revenue of $3.79 billion missed the $3.83 billion consensus by 0.85% and contracted 22.9% from a year ago. The headline story, however, was a meaningful improvement in credit quality, with net charge-offs falling 108 basis points year-over-year to 5.37%, pulling the portfolio back within Synchrony's 5.5% to 6.0% target range and reflecting the tangible benefits of its ongoing product, pricing, and policy changes. Net interest margin expanded 82 basis points to 15.83%, lending support to profitability even as results included a $51 million after-tax restructuring charge tied to a voluntary early retirement program. Some observers have noted the stock appears undervalued relative to its long-term cash generation potential. Looking to 2026, management guided diluted EPS of $9.10 to $9.50, with mid-single-digit loan receivables growth and continued investment in partnerships including Walmart and Lowe's.