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Synchrony Financial (SYF)
NYSE:SYF
Earnings Data
Report Date
Jan 23, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
2.07Last Year’s EPS
1.91Same Quarter Last Year
Moderate Buy
Based on 18 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The earnings call reflected a balance between strong financial performance and strategic partnerships alongside challenges such as flat net revenue and declines in certain segments. The company showcased resilience through effective risk management and capital returns, but faced headwinds in revenue growth and specific market segments.Company Guidance
Strong Financial Performance
Synchrony delivered a net earnings of $1.1 billion or $2.86 per diluted share, a return on average assets of 3.6%, and return on tangible common equity of 30.6%.
Purchase Volume Growth
Generated $46 billion of purchase volume in the third quarter, a year-over-year increase of 2%.
Digital Platform Success
Spend across digital platform increased 5%, driven by higher spend per account.
Expansion and Partnerships
Added, renewed, or expanded more than 15 partners during the third quarter, including the Toro Company, Regency showrooms, Lowe's, and Dental Intelligence.
Credit Performance and Risk Management
30 plus delinquency rate decreased by 39 basis points year-over-year and net charge-off rate decreased by 90 basis points.
Capital Return to Shareholders
Returned $971 million to shareholders, consisting of $861 million in share repurchases and $110 million in common stock dividends.
SYF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
SYF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 16, 2025 | $72.32 | $70.25 | -2.86% |
Jul 22, 2025 | $69.14 | $70.35 | +1.75% |
Apr 22, 2025 | $46.76 | $48.08 | +2.82% |
Jan 28, 2025 | $68.92 | $65.76 | -4.59% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Synchrony Financial (SYF) report earnings?
Synchrony Financial (SYF) is schdueled to report earning on Jan 23, 2026, Before Open (Confirmed).
What is Synchrony Financial (SYF) earnings time?
Synchrony Financial (SYF) earnings time is at Jan 23, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is SYF EPS forecast?
SYF EPS forecast for the fiscal quarter 2025 (Q4) is 2.07.
