Synchrony Q4 net earnings fell 3% to $751 million, or $2.04 per diluted share
Synchrony reported fourth quarter 2025 net earnings of $751 million, or $2.04 per diluted share, down from $774 million in the fourth quarter of 2024. The results included a $51 million after-tax restructuring charge tied to a voluntary employee early retirement program, which equaled $0.14 per diluted share. For shareholders, lower net earnings were partly offset by a higher per-share figure, and the company returned $1.1 billion in capital during the quarter.
Key points
- Net earnings were $751 million, down 3.0% from $774 million; diluted EPS was $2.04, up from $1.91.
- Net revenue was $3,793 million, down 0.2% from $3,801 million in the prior-year quarter.
- A $51 million after-tax restructuring charge, or $0.14 per diluted share, related to a voluntary employee early retirement program.
- Share repurchases totaled $952 million, and common stock dividends totaled $106 million, for $1.1 billion returned to shareholders.
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 January 27, 2026.
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.