| Metric | Value ($ M) | Q2 FY25 | Q3 FY24 |
|---|---|---|---|
| Revenue | 4.8K | 4.5% | 2.5% |
| Total Income | 4.8K | 4.5% | 2.5% |
| Expenditure | 3.4K | 1.0% | 7.6% |
| PBT | 1.4K | 13.8% | 39.0% |
| Net Profit | 1.1K | 11.4% | 36.5% |
| OPM | — | ||
| NPM | 22.22% | 1.38pp | 5.53pp |
| EPS | 2.89 | 15.1% | 47.5% |
Synchrony Financial Reports Q3 2025 Results
04 May 2026 · 4 May, 9:02 am
Summary
Synchrony Financial reported a net earnings increase of 37% to $1,077 million for Q3 2025. Diluted earnings per share increased by 47% to $2.86. Net interest margin improved to 15.62%. The company's board approved an additional $1.0 billion in share repurchases, bringing the total remaining authorization to $2.1 billion through Q2'26.
Key Highlights
- 1
Synchrony Financial's net earnings available to common stockholders increased by 38% to $1,057 million in Q3 2025.
- 2
Diluted earnings per share grew by 47% to $2.86 in the third quarter of 2025.
- 3
Net interest margin increased to 15.62% compared to 15.04% in the prior year.
- 4
The company's purchase volume increased by 2% year-over-year.
- 5
The Common Equity Tier 1 (CET1) capital ratio increased to 13.7% in Q3 2025 from 13.1% in Q3 2024.
- 6
Board approved incremental share repurchases of $1.0 billion, with a total remaining repurchase authorization of $2.1 billion through Q2'26.
Informational and educational content only. Not investment advice.