Every material Form 8-K Synchrony Financial filed with the SEC in 2025, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
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%.
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
Synchrony Financial's board elected Deborah Ellinger as a director on September 26, 2025, effective October 1, 2025, and assigned her to the Risk and Technology Committees. The filing describes a board appointment with standard director pay and indemnification terms, without financial results, guidance, or a change in executive roles.
Ellinger receives annual compensation of $320,000, of which $100,000 is cash and $220,000 is restricted stock units.
She will also receive $20,000 per year for Risk Committee service and $15,000 for Technology Committee service.
Ellinger signed the company's standard indemnification agreement; the Board will have twelve members after her appointment.
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.
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
Synchrony reported first quarter 2025 net earnings of $757 million, or $1.89 per diluted share, down 41% from $1.3 billion, or $3.14 per share, a year earlier. The prior-year figure included an $802 million post-tax gain on the Pets Best sale; excluding that gain, the company says adjusted earnings rose 54%. The board approved a new $2.5 billion share repurchase authorization through June 30, 2026, and raised the quarterly dividend 20% to $0.30 per share starting in the second quarter of 2025.
Net earnings were $757 million, or $1.89 per diluted share, versus $1.3 billion, or $3.14 per share, in Q1 2024
Q1 2024 included an $802 million post-tax Pets Best gain on sale; adjusted Q1 2024 net earnings were $491 million, or $1.18 per share
Net revenue fell 22.5% to $3.7 billion from $4.8 billion, largely reflecting the prior-year Pets Best gain in other income
Board approved a $2.5 billion repurchase authorization through June 30, 2026, and a dividend of $0.30 per share from Q2 2025
Synchrony Financial reported fourth quarter 2024 net earnings of $774 million, or $1.91 per diluted share, up from $440 million, or $1.03 per diluted share, a year earlier. The filing shows higher earnings driven partly by a lower provision for credit losses, while purchase volume fell 3% and net charge-offs rose to 6.45% of average loan receivables.
Q4 2024 net earnings of $774 million, up 76% from $440 million in Q4 2023
Diluted EPS of $1.91 versus $1.03 a year earlier; return on equity 18.9% versus 12.4%
Provision for credit losses fell $243 million to $1.6 billion, including a $100 million reserve release
Purchase volume decreased 3% to $48.0 billion; net charge-offs rose to 6.45% from 5.58%
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.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every Synchrony Financial filing is on SEC EDGAR ↗. 8-K briefs of other companies →