On Wednesday, October 17, 2025, Synchrony Financial announced its third‑quarter 2025 earnings. The company reported net earnings of $1.1 billion, or $2.86 per diluted share, compared with $789 million, or $1.94 per share, a year earlier. Revenue for the quarter was $4.72 billion, up 0.2% year‑over‑year, while net interest income rose 2.4% to $4.72 billion.
The earnings release highlighted a return to purchase‑volume growth driven by stronger spend across all five of Synchrony’s platforms, and continued strength in credit performance. Net revenue increased modestly, and the company noted that its loan‑receivable growth is expected to remain flat as higher payment rates offset purchase‑volume gains.
For fiscal 2025, Synchrony narrowed its sales outlook to $15.0 billion–$15.1 billion, down from the previous $15.0 billion–$15.3 billion range, and reiterated its guidance for net revenue and earnings per share. The update reflects the company’s confidence in its credit strategy and the resilience of its partner‑centric model.
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