Synchrony Q2 net earnings rise 50% to $967 million, or $2.50 per diluted share
Synchrony Financial reported second quarter 2025 net earnings of $967 million, or $2.50 per diluted share, up from $643 million, or $1.55 per diluted share, a year earlier. Net revenue fell 1.8% to $3,647 million, but a $545 million drop in the provision for credit losses drove the higher profit. The company also returned $614 million to shareholders in the quarter.
Key points
- Net earnings rose 50.4% to $967 million; diluted EPS was $2.50 versus $1.55 in the second quarter of 2024
- Net revenue decreased 1.8% to $3,647 million, while the provision for credit losses fell $545 million to $1.1 billion
- Net charge-offs were 5.70% of average loan receivables, down from 6.42% a year earlier
- Returned $614 million to shareholders, including $500 million of share repurchases and $114 million of dividends; $2.0 billion repurchase authorization remains through June 30, 2026
The filing
Written by AI on Nov 8, 2026, 12:42 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 22, 2025.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.