The earnings call reflects a strong financial performance and expansion in partnerships, indicating resilience and potential for future growth. However, challenges such as a decline in purchase volume and flat loan receivables suggest areas needing improvement.

Company Guidance

During the Synchrony Financial second quarter 2025 earnings call, the company reported strong financial performance with net earnings of $967 million, or $2.50 per diluted share. Key metrics included a return on average assets of 3.2% and a return on tangible common equity of 28.3%. Synchrony generated $46 billion in purchase volume, with dual and co-branded cards accounting for 45% of this volume, showing a 5% increase from the previous year. The company's net interest margin increased by 32 basis points to 14.78%, driven by a 53 basis point increase in loan receivable yield. Despite a 2% year-over-year decrease in purchase volume, the company maintained robust credit performance, with a net charge-off rate of 5.7%, which was below historical averages. Synchrony also highlighted strategic partnerships, such as the launch of a new credit card program with Walmart and OnePay, and the introduction of a Buy Now Pay Later offering with Amazon, to drive future growth.

Strong Financial Performance

Synchrony delivered net earnings of $967 million or $2.50 per diluted share. Return on average assets was 3.2% and return on tangible common equity was 28.3%.

Expansion of Partner Relationships

Renewed relationships with Amazon and added new partnerships, including a program with Walmart and OnePay.

Improved Credit Performance

Delinquency and net charge-off rates improved, with net charge-offs down 11% sequentially and 30-plus day delinquency rate decreasing by 29 basis points from the previous year.

Innovative Product Launches

Launch of Synchrony Pay Later at Amazon and a physical PayPal credit card, enhancing product offerings.

Synchrony Financial (SYF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SYF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	2.16 / -	1.94	―	―	―
Jul 22, 2025	2025 (Q2)	1.82 / 2.50	1.55	61.29% (+0.95)
Apr 22, 2025	2025 (Q1)	1.68 / 1.89	1.18	60.17% (+0.71)
Jan 28, 2025	2024 (Q4)	1.93 / 1.91	1.03	85.44% (+0.88)
Oct 16, 2024	2024 (Q3)	1.81 / 1.94	1.48	31.08% (+0.46)
Jul 17, 2024	2024 (Q2)	1.35 / 1.55	1.32	17.42% (+0.23)
Apr 24, 2024	2024 (Q1)	1.34 / 1.18	1.35	-12.59% (-0.17)
Jan 23, 2024	2023 (Q4)	0.93 / 1.03	1.26	-18.25% (-0.23)
Oct 24, 2023	2023 (Q3)	1.44 / 1.48	1.47	0.68% (+0.01)
Jul 18, 2023	2023 (Q2)	1.25 / 1.32	1.6	-17.50% (-0.28)

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
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%
Oct 16, 2024	$52.34	$55.51	+6.06%

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.