Summary

Synchrony Financial Beats

Synchrony Financial (SYF) reported Quarter December 2025 earnings of $2.18 per share on revenue of $5.7 billion. The consensus earnings estimate was $2.02 per share on revenue of $4.8 billion. The Earnings Whisper number was $2.17 per share. Revenue grew 0.4% on a year-over-year basis.

The company said in its earnings presentation it expects 2026 earnings of $9.10 to $9.50 per share. The current consensus earnings estimate is $9.31 per share for the year ending December 31, 2026.

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 Fourth Quarter 2025 Results; Company also Announces Quarterly Common Stock Dividend of $0.30 Per Share

Company also declares preferred stock dividends

STAMFORD, Conn., Jan. 27, 2026 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its fourth quarter 2025 results for the fiscal year ending December 31, 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 (the "Board") declared a quarterly cash dividend of $0.30 per share of common stock, payable on February 17, 2026, to holders of record at the close of business on February 6, 2026. The Board also declared a quarterly cash dividend on the outstanding shares of its 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A (the "Series A Preferred Stock") and 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B (the "Series B Preferred Stock"). Each outstanding share of the Series A Preferred Stock and Series B Preferred Stock is represented by depositary shares, each representing a 1/40th interest in a share. The dividends of approximately $14.06 per share on the Series A Preferred Stock (equivalent to $0.351563 per outstanding depositary share) and approximately $20.63 per share on the Series B Preferred Stock (equivalent to $0.515625 per outstanding depositary share) are payable on February 17, 2026 to holders of record at the close of business on February 6, 2026.

About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #2 Best Company to Work For® in the U.S. 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