Synchrony Financial (SYF) Earnings History

7 quarters held1/3 transcripts analyzed3/35 figures attested
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PeriodRevenueYoYNet incomeEPS (dil.)Filed
Q2 2026$5.6B-0.1%$885.0M$2.59Jul 21, 2026
LATESTEarnings filing (8-K)10-QFiled Jul 21, 2026, 6:00 AM ET
Earnings call · Jul 21, 2026
Q2 FY26YoY6M FY26
Revenue$5.6B-0.1%–
Net income$885.0M1-8.5%$1.7B
Op income–––
EPS (dil.)$2.59+3.6%–
EPS (basic)$2.61+4.0%–
Net margin15.8%-1.5pp
  1. [1] “second quarter 2026 net earnings of $885 million” view source

Guidance & outlook

Management guidance

Q2 2026

fy_current

other
9.3B—9.5B
eps_diluted
$9.25—$9.50
other
6—6

Special items & operational metrics

Operational metrics

Q2 2026
30+ days past due as a % of period-end loan receivables
4.2
-0.5% YoY
Prior year: 4.2
%
90+ days past due as a % of period-end loan receivables
2.0
-2.4% YoY
Prior year: 2.1
%
Allowance for credit losses as a % of period-end loan receivables
10.1
-4.7% YoY
Prior year: 10.6
%
Average active accounts
68.3M
+0.4% YoY
Prior year: 68.0M
thousands
Common Equity Tier 1 capital ratio
13.2
-7.0% YoY
Prior year: 14.2
%
Efficiency ratio
35.8
+5.0% YoY
Prior year: 34.1
%
Loan receivables
102208.0M
+2.4% YoY
Prior year: 99776.0M
USD
Net charge-offs as a % of average loan receivables
5.4
-4.7% YoY
Prior year: 5.7
%
Net interest margin
15.1
+2.0% YoY
Prior year: 14.8
%
Purchase volume
49827.0M
+8.1% YoY
Prior year: 46084.0M
USD
Return on assets
2.9
-9.4% YoY
Prior year: 3.2
%
Return on equity
21.4
-7.4% YoY
Prior year: 23.1
%
Return on tangible common equity
25.2
-5.6% YoY
Prior year: 26.7
%
Q1 2026$5.4B–$805.0M$2.27Apr 21, 2026
Earnings filing (8-K)10-QFiled Apr 21, 2026, 6:00 AM ET
Earnings call · Apr 21, 2026deck
Q1 FY26YoY
Revenue$5.4B–
Net income$805.0M+6.3%
Op income––
EPS (dil.)$2.27+19.1%
EPS (basic)––
Net margin14.9%–
Q4 2025$3.8B-0.2%$751.0M$2.04Jan 27, 2026
Earnings filing (8-K)10-KFiled Jan 27, 2026, 6:01 AM ET
Earnings calldeck
Q4 FY25YoYFY25
Revenue$3.8B-0.2%$15.0B
Net income$751.0M1-3.0%$3.6B
Op income–––
EPS (dil.)$2.041+6.8%–
EPS (basic)$2.07+7.3%–
Net margin19.8%-0.6pp
  1. [1] “Synchrony Financial (NYSE: SYF) today announced fourth quarter 2025 net earnings of $751 million, or $2.04 per diluted share” view source
Q3 2025$5.5B+7.0%$1.1B$2.86Oct 15, 2025
Earnings filing (8-K)10-QFiled Oct 15, 2025, 6:00 AM ET
Earnings call · Oct 15, 2025transcriptprepared remarksQ&Adeck
Q3 FY25YoY
Revenue$5.5B+7.0%
Net income$1.1B+39.4%
Op income––
EPS (dil.)$2.86+47.4%
EPS (basic)––
Net margin20.0%+4.7pp
Q2 2025$5.3B–$967.0M$2.50Jul 22, 2025
Earnings filing (8-K)10-QFiled Jul 22, 2025, 6:00 AM ET
Earnings calldeck
Q2 FY25YoY
Revenue$5.3B–
Net income$967.0M+50.4%
Op income––
EPS (dil.)$2.50+61.3%
EPS (basic)––
Net margin18.3%–
Q1 2025$5.3B–$757.0M$1.89Apr 22, 2025
Earnings filing (8-K)10-QFiled Apr 22, 2025, 6:00 AM ET
Earnings calldeck
Q1 FY25YoY
Revenue$5.3B–
Net income$757.0M-41.8%
Op income––
EPS (dil.)$1.89-39.8%
EPS (basic)––
Net margin14.3%–
Q4 2024$5.5B–$774.0M$1.91Jan 28, 2025
Earnings filing (8-K)10-KFiled Jan 28, 2025, 6:00 AM ET
Earnings calldeck
Q4 FY24YoY
Revenue$5.5B–
Net income$774.0M+75.9%
Op income––
EPS (dil.)$1.91+85.4%
EPS (basic)––
Net margin14.1%–

IR event calendar

This company's IR event calendar has not been harvested yet — an empty result here does NOT mean the company has no IR events.

Filing coverage

58 filings indexed · 57,874 XBRL facts
FilingDatePeriodSectionsTables
8-K2026-07-31–20
10-Q2026-07-23–38164
8-K2026-07-21–10
8-K2026-07-21Q2 202670
8-K2026-06-29–30
8-K2026-06-25–10
8-K2026-06-05–50
DEF 14A2026-04-29–100
10-Q2026-04-23–34266
8-K2026-04-21Q1 202640

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