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Synchrony Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Delivered strong Q4 2025 results with net earnings of $751M ($2.04/diluted share), including a restructuring charge for early retirement, and full-year net earnings of $3.6B, supported by digital growth and partner expansion.
Achieved record Q4 purchase volume of $49.5B, up 3% YoY, with nearly 70M customers engaged and over 20M new accounts added in 2025.
Expanded and renewed over 75 partnerships in 2025, including major deals with Walmart, Lowe's, Bob's Discount Furniture, and Polaris.
Enhanced digital and product offerings, including Pay Later, AI-driven Marketplace, and digital wallet, driving higher engagement and sales.
Returned $3.3B in capital to shareholders in 2025 through dividends and share repurchases, growing book value per share by 13%.
Financial highlights
Q4 net earnings were $751M ($2.04/diluted share), with net interest income up 4% to $4.8B and net interest margin rising to 15.83%.
Full-year 2025 net earnings reached $3.6B ($9.28/diluted share), ROAA of 3.0%, and ROATCE of 25.8%.
Net revenue for Q4 was $3.8B (flat YoY); provision for credit losses decreased to $1.4B, with net charge-offs down $294M.
Efficiency ratio for Q4 was 36.9%, up 360 bps YoY, mainly due to higher expenses and restructuring costs.
Book value per share increased 13% to $44.74; tangible book value per share up 9% to $37.21.
Outlook and guidance
2026 guidance assumes stable macro environment, 2% GDP growth, 4.8% year-end unemployment, and Fed funds rate at 3.25%.
Expects mid-single-digit ending receivables growth and EPS of $9.10–$9.50, with continued investment in digital and product innovation.
Net charge-off rate expected to remain within 5.5%-6% long-term target.
Guidance assumes no major regulatory changes and continued disciplined underwriting and expense management.
Pay Later's incremental sales and customer migration
Explain 2026 EPS drivers vs. loan growth
Credit aperture: Why not expand more given NCOs?
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Next Synchrony Financial earnings date
Q1 202621 Apr, 2026
Synchrony Financial
Next Synchrony Financial earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Consumer Financial Services
Synchrony Financial is an American consumer financial services company, primarily focusing on the U.S. market. Synchrony provides a range of credit products through its partnerships with retailers, manufacturers, healthcare providers, and other businesses. These products mainly include private-label credit cards, dual cards, and general-purpose co-branded credit cards. Additionally, Synchrony offers promotional financing, installment lending, loyalty services, and more. The company is headquartered in Stamford, Connecticut, and its shares are traded on the NYSE.
Spin-Off
Synchrony Financial originates from GE Capital Retail Finance, which was founded in 1932 when General Electric began offering consumer financing. Over the decades, GE Capital expanded its services, evolving into a key player in consumer credit. In 2014, GE restructured, leading to the spin-off of its North American retail finance business as Synchrony Financial. This move was part of GE's strategy to reduce reliance on its financial arm and focus on its industrial core. Since then Synchrony Financial has become an established player in private-label credit cards, store-branded cards, and consumer financial services, offering similar services and products as companies such as American Express and Capital One.
What They Do
Synchrony Financial's core business is centered around consumer financial services, with a strong emphasis on offering credit products. It is a leading issuer of private label credit cards in the United States, catering to a wide array of retail sectors including home furnishings, electronics, and healthcare. These credit products include store-branded cards, dual cards, and general-purpose co-branded credit cards, which are developed in partnership with major retailers and service providers. In addition to credit card services, Synchrony Financial specializes in promotional financing and installment lending. The company also owns and operates a banking subsidiary.
The Banking Arm
Synchrony Bank, the aforementioned banking subsidiary of the parent company, specializes in offering online savings products. It provides high-yield savings accounts, which generally have higher interest rates than traditional ones. The bank also offers certificates of deposit (CDs) with various terms for fixed interest rate savings, and money market accounts that blend features of savings and checking accounts.
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