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Sep 30, 2025
Synchrony Q3 2025 Earnings Report
Synchrony reported strong earnings growth and improved credit performance in Q3 2025.
Key Takeaways
Synchrony Financial delivered strong Q3 2025 results with higher EPS and net income, supported by purchase volume growth, strong credit quality, and disciplined capital return.
Net income rose to $1.1B, up from $789M last year.
EPS increased to $2.86 per share, reflecting strong operating leverage.
Purchase volume reached $46.0B with growth across most platforms.
Retailer share arrangements and credit performance continued to strengthen.
Revenue by Segment
Forward Guidance
Synchrony anticipates continued momentum through strong credit performance, disciplined underwriting, and improving macroeconomic trends.
Positive Outlook
- Purchase volume growth expected to continue across platforms.
- Stable net interest margin driven by improved asset mix and lower funding costs.
- Credit quality remains strong with declining net charge-offs.
- Solid capital position with CET1 ratio at 13.7%.
- Strategic acquisitions and new partner wins support long-term expansion.
Challenges Ahead
- Higher payment rates continue to pressure interest income.
- Loan receivables growth remains flat due to elevated payments.
- Efficiency ratio expected to rise slightly due to ongoing investments.
- Lower benchmark rates impact yield on liquidity portfolio.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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