Synchrony Financial reported third quarter 2026 net earnings of $892 million, or $2.68 per diluted share, down from $1.1 billion, or $2.86 per diluted share, in the third quarter of 2025. Net interest income rose 2% to $4.8 billion and purchase volume rose 8% to $49.7 billion, but higher provisions for credit losses and other expenses lowered earnings, and the company returned $1.2 billion to shareholders.
Net earnings fell $185 million, or 17%, to $892 million; diluted EPS was $2.68 versus $2.86 a year earlier.
Net interest income rose $89 million, or 2%, to $4.8 billion; other expense rose $123 million, or 10%, to $1.4 billion.
Loan receivables rose 3% to $103.3 billion; the company returned $1.2 billion to shareholders, including $1.1 billion of share repurchases.
Estimated Common Equity Tier 1 ratio was 12.9%, compared with 14.3% a year earlier; quarterly dividend declared was $0.34 per share versus $0.30.
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From Synchrony Financial's 10-Q and 10-K filings (SEC XBRL). YoY compares each quarter with the same quarter a year earlier; it is blank when the year-ago figure is missing or negative.
Annual results
Fiscal year
Revenue
Growth
EPS (diluted)
Growth
Net margin
FY2025
—
—
$9.28
+8.5%
—
FY2024
—
—
$8.55
+64.7%
—
FY2023
—
—
$5.19
-15.6%
—
FY2022
—
—
$6.15
-16.2%
—
FY2021
—
—
$7.34
+223.3%
—
Frequently asked questions
When is Synchrony Financial's next earnings date?
Synchrony Financial has not announced a report date within the next three weeks. US companies usually report three to six weeks after each quarter ends; this page updates as soon as the date is on the calendar.
What did Synchrony Financial earn last quarter?
For the quarter ended Sep 2026, Synchrony Financial reported diluted EPS of $2.68 (-6.3% year over year).
Where do these numbers come from?
Reported revenue, net income and EPS come from the company's own 10-Q and 10-K filings with the SEC (XBRL data). The report date and consensus estimate come from the Nasdaq earnings calendar.
Not investment advice. Figures can be restated by the company in later filings.