Synchrony

SYF

Market cap $26.9B

Synchrony Financial (NYSE:SYF ) Q3 2025 Earnings Call October 15, 2025 8:00 AM EDT Company Participants Kathryn Miller - Senior Vice President of Investor Relations Brian Doubles - President, CEO & Director Brian Wenzel - Executive VP & CFO Conference Call Participants Terry Ma - Barclays Bank PLC, Research Division Ryan Nash - Goldman Sachs Group, Inc., Research Division John Pancari - Evercore ISI Institutional Equities, Research Division Mihir Bhatia - BofA Securities, Research Division Robert Wildhack - Autonomous Research US LP Mark DeVries - Deutsche Bank AG, Research Division Donald Fandetti - Wells Fargo Securities, LLC, Research Division John Hecht - Jefferies LLC, Research Division Jeffrey Adelson - Morgan Stanley, Research Division Presentation Operator Good morning, everyone. Welcome to the Synchrony Financial Third Quarter 2025 Earnings Conference Call.

SYF's Q3 earnings jump 47% on stronger purchase volume and efficiency gains, easily surpassing profit and revenue estimates.

Today's economy remains oscillating between resilience, restraint and a hopeful rebound. This makes few barometers of consumer health as revealing as their spending habits, and puts Synchrony, the country's largest private-label credit card issuer, squarely at the junction of retail spending, household liquidity and credit confidence.

While the top- and bottom-line numbers for Synchrony (SYF) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Synchrony (SYF) came out with quarterly earnings of $2.86 per share, beating the Zacks Consensus Estimate of $2.22 per share. This compares to earnings of $1.94 per share a year ago.

Banks have catered to the ever-evolving trade and commerce for centuries. We like investing in essential sectors, but seek to get paid for our time and money. We discuss two steady dividend-payers from the banking sector, offering +7% yields.

Synchrony Financial logged higher profit and revenue in the third quarter as it returned to purchase volume growth, driven by stronger spending trends.

STAMFORD, Conn. , Oct. 15, 2025 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its third quarter 2025 results for the period ending September 30, 2025.

New York, NY, Oct. 14, 2025 (GLOBE NEWSWIRE) -- The Office and Professional Employees International Union (OPEIU) and the Communications Workers of America (CWA) union filed complaints with the Securities and Exchange Commission, the New York Stock Exchange, and the New York Attorney General over the failure by Synchrony Financial to disclose a material relationship that compromised the independence of one of its Directors and Audit Committee members, Paget Alves, in contravention of New York Stock Exchange rules on director independence.

Synchrony Expands its Innovative Solution to Help Pet Parents Minimize Out of Pocket Costs STAMFORD, Conn. and NEW YORK , Oct. 14, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer financing company, today announced a new partnership with Pumpkin Pet Insurance, to bring its pet health reimbursement solution to even more pet parents.