Synchrony Financial Q3 earnings rise 37% to $1.1 billion; EPS $2.86
Synchrony Financial reported third quarter 2025 net earnings of $1.1 billion, or $2.86 per diluted share, up from $789 million, or $1.94 per diluted share, a year earlier. The Board approved an incremental $1.0 billion share repurchase authorization, and the company returned $971 million to shareholders in the quarter. Purchase volume rose 2% to $46.0 billion, but loan receivables fell 2% to $100.2 billion and average active accounts fell 3%.
Key points
- Net earnings $1.1 billion, or $2.86 per diluted share, versus $789 million, or $1.94, in Q3 2024
- Provision for credit losses fell $451 million to $1.1 billion; net charge-offs were 5.16% of average loan receivables versus 6.06%
- Board approved a $1.0 billion incremental repurchase authorization; $2.1 billion remains through June 30, 2026
- Estimated Common Equity Tier 1 ratio was 13.7% versus 13.1% a year earlier
The filing
Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 12:42 AM ET, from the text of the filing and its press-release exhibits 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 October 15, 2025.
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.