SYF
Synchrony Financial·NYSE
--
--(--)
--
--(--)
SYF fundamentals
Synchrony Financial (SYF) released its earnings on Jan 27, 2026: revenue was 3.79B (YoY -0.29%), missed estimates; EPS was 2.04 (YoY +6.81%), missed estimates.
Revenue / YoY
3.79B
-0.29%
EPS / YoY
2.04
+6.81%
Report date
Jan 27, 2026
SYF Earnings Call Summary for Q4,2025
- Record Q4 Performance: $751M net earnings (15% YoY growth), $49B purchase volume (3% YoY), and 16% growth in dual/co-branded cards.
- Strong Credit Metrics: 5.37% net charge-off rate (vs. 6.45% prior year), 4.49% 30+ delinquency (vs. 4.70% prior year).
- Mid-Single-Digit Growth: 5-7% loan growth in 2026 driven by Walmart, Lowe's, and Health & Wellness expansion.
- Digital Wallet Surge: 400 bps wallet penetration growth, doubling unique accounts.
- Tax Refund Tailwind: $500-1,000 incremental refunds expected to boost spending and reduce delinquencies.
EPS
Revenue
Revenue & Expenses
Key Indicators
Synchrony Financial (SYF) key financial stats and ratios, covering profitability, financial health, and leverage.
Synchrony Financial (SYF)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
Trend
Breakdown
Synchrony Financial (SYF)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
Trend
Breakdown
Synchrony Financial (SYF)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
Trend
Breakdown
Where does Synchrony Financial (SYF) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
Data source:
By Region
Data source:
Track Synchrony Financial (SYF) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
Payout Ratio
Dividend Yield
You can ask Aime
What is Synchrony Financial's gross profit margin?Did Synchrony Financial beat or miss consensus estimates last quarter?What were the key takeaways from Synchrony Financial's earnings call?What guidance did Synchrony Financial's management provide for the next earnings period?What were the key takeaways from Synchrony Financial’s earnings call?What is Synchrony Financial's latest dividend and current dividend yield?What is the revenue and EPS growth rate for Synchrony Financial year over year?What factors drove the changes in Synchrony Financial's revenue and profit?
