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Sep 30, 2024

Synchrony Q3 2024 Earnings Report

Synchrony's third quarter results reflected focus on driving value through evolving market conditions.

Key Takeaways

Synchrony Financial reported net earnings of $789 million, or $1.94 per diluted share, for the third quarter of 2024. The results reflect the company's focus on providing responsible access to credit and driving value for stakeholders through evolving market conditions. Loan receivables increased, and capital was returned to shareholders through share repurchases and dividends.

Net earnings increased to $789 million, or $1.94 per diluted share.

Loan receivables increased 4% to $102.2 billion.

Capital returned to shareholders totaled $399 million, including $300 million in share repurchases.

Purchase volume decreased 4% to $45.0 billion.

Total Revenue
$4.61B
Previous year: $4.36B
+5.7%
EPS
$1.94
Previous year: $1.48
+31.1%
Net Interest Margin
15.04%
Previous year: 15.36%
-2.1%
Purchase Volume
$45B
Previous year: $47B
-4.3%
Average Active Accounts
70.4M
Previous year: 70.3M
+0.1%
Cash and Equivalents
$22.4B
Previous year: $12.7B
+76.4%
Free Cash Flow
$2.76B
Total Assets
$119B
Previous year: $109B
+9.7%

Synchrony

Synchrony

Forward Guidance

No specific forward guidance was provided in the document.