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Dec 31, 2025
Synchrony Q4 2025 Earnings Report
Synchrony reported stable results in Q4 2025 with increased EPS, strong net interest margin, and continued capital returns despite slightly lower net income.
Key Takeaways
Synchrony delivered solid Q4 performance with a 7% increase in EPS to $2.04 and strong net interest margin of 15.83%. Net income declined slightly to $730M. Purchase volume grew modestly, and capital returns totaled $1.1B.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
In 2026, Synchrony expects mid-single-digit loan growth, continued EPS expansion, and stable macroeconomic conditions with elevated payment rates and credit charge-offs.
Positive Outlook
- EPS guidance of $9.10 to $9.50
- Growth in purchase volume and active accounts
- Lower funding costs expected
- Stronger net interest income driven by pricing changes
- RSA performance to stay within 4.0%-4.5% target
Challenges Ahead
- Elevated credit losses expected (~5.5% - 6.0%)
- High payment rates to reduce interest income growth
- Restructuring and strategic investment expenses to continue
- Lower late fee incidence impacting revenue
- Regulatory uncertainty could pose future risks
Historical Earnings Impact
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Avg. Return Before/After Earnings
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