Summary

Synchrony Financial Beats

Synchrony Financial (SYF) reported 3rd Quarter September 2025 earnings of $2.86 per share on revenue of $5.7 billion. The consensus earnings estimate was $2.22 per share on revenue of $4.7 billion. The Earnings Whisper number was $2.31 per share. Revenue fell 0.9% compared to the same quarter a year ago.

The company said in its earnings presentation it expects 2025 revenue of $15.00 billion to $15.10 billion. The company's previous guidance was revenue of $15.00 billion to $15.30 billion and the current consensus revenue estimate is $15.05 billion for the year ending December 31, 2025.

Synchrony Financial provides credit products through programs established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers.

Earnings Release

Synchrony Reports Third Quarter 2025 Results; Company also Announces Approval of $1 Billion Increase in Share Repurchase Authority

STAMFORD, Conn., Oct. 15, 2025 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its third quarter 2025 results for the period ending September 30, 2025. The earnings news release and presentation can be found on the company's Investor Relations website at https://investors.synchrony.com/financial-information/financial-results.

Today at 8:00 a.m. Eastern Time, Brian Doubles, President and Chief Executive Officer, and Brian Wenzel Sr., Executive Vice President and Chief Financial Officer, will host a conference call to review the financial results and outlook for certain business drivers. The conference call can be accessed via an audio webcast through the investor relations website at www.investors.synchrony.com, under Events and Presentations. A replay will also be available on the website.

The company also announced that its Board of Directors approved a $1 billion increase to the company's share repurchase authorization through June 30, 2026. As of September 30, 2025, the company had $1.1 billion remaining under its prior authorization, bringing the total amount available for share repurchases to $2.1 billion through June 30, 2026.

About Synchrony
Synchrony (NYSE: SYF) is a leading?consumer?financing company at the heart of American commerce and opportunity. From health to home, auto to retail, our Synchrony products have been serving the needs of people and businesses for nearly 100 years. We provide responsible?access to?credit and banking products to support healthier financial lives for tens of millions of people, enabling them to access the things that matter to them. Additionally, through our innovative products and experiences, we support the growth and operations of some of the country's most respected brands, as well as more than 400,000 small and midsize businesses and health and wellness providers that Americans rely on. Synchrony is proud to be ranked as the country's #2 Best Company to Work For® by Fortune magazine and Great Place to Work®. For more information, visit?www.synchrony.com.?

Contacts

Investor Relations:
Kathryn Miller
(203) 585-6291
Kathryn.miller@syf.com

Media Relations:
Ashley Tufts
(203) 216-6277
ashley.tufts2@syf.com

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SOURCE Synchrony