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Synchrony Financial (SYF)
NYSE:SYF
Earnings Data
Report Date
Jul 22, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.59Last Year’s EPS
1.55Same Quarter Last Year
Moderate Buy
Based on 16 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 22, 2025
|% Change Since: 8.87%
|Next Earnings Date:Jul 22, 2025
Earnings Call Sentiment|Neutral
The earnings call reflected a mixed performance with strong financial metrics and successful partnership renewals on the positive side. However, there were declines in purchase volume and net revenue, influenced by economic uncertainty and previous credit actions.Company Guidance
During the Synchrony Financial First Quarter 2025 Earnings Conference Call, the company reported strong financial performance, including net earnings of $757 million, or $1.89 per diluted share. They achieved a return on average assets of 2.5% and a return on tangible common equity of 22.4%. Synchrony engaged with approximately 70 million customers and generated $41 billion in purchase volume. Dual and co-branded cards accounted for 45% of total purchase volume, which increased by 2%. Despite a 2% year-over-year decline in ending receivables, the payment rate remained flat compared to last year, with a sequential increase of 10 basis points. The company continued to monitor customer behavior closely, noting that customers are managing their spending amidst economic uncertainties. Synchrony added or renewed more than ten partners, including Ashley, Discount Tire, and American Eagle, and highlighted the success of the CareCredit dual card and a new co-brand program with Sun Country Airlines. The company's commitment to innovation and flexible financing was emphasized, and it was noted that Synchrony was named the Number 2 Best Company to Work for in the U.S. by Fortune Magazine.Strong Financial Performance
Synchrony delivered net earnings of $757 million or $1.89 per diluted share, a return on average assets of 2.5%, and a return on tangible common equity of 22.4% in the first quarter of 2025.
Purchase Volume
Synchrony generated $41 billion of purchase volume in Q1 2025. Dual and co-branded cards accounted for 45% of total purchase volume for the quarter and increased by 2%.
Partnership Renewals and Additions
Synchrony added or renewed more than 10 partners, including Texas A&M Veterinary Hospital, Ashley, Discount Tire, and American Eagle, strengthening its partner pipeline.
Recognition as a Top Workplace
Synchrony was named as the Number 2 Best Company to Work for in the U.S. by Fortune Magazine and Great Places to Work.
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SYF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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SYF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 22, 2025 | $47.23 | $48.56 | +2.82% |
| Jan 28, 2025 | $69.61 | $66.42 | -4.58% |
| Oct 16, 2024 | $52.86 | $56.06 | +6.05% |
| Jul 17, 2024 | $51.00 | $51.51 | +1.00% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Synchrony Financial (SYF) report earnings?
Synchrony Financial (SYF) is schdueled to report earning on Jul 22, 2025, TBA Not Confirmed.
What is Synchrony Financial (SYF) earnings time?
Synchrony Financial (SYF) earnings time is at Jul 22, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is SYF EPS forecast?
SYF EPS forecast for the fiscal quarter 2025 (Q2) is 1.59.
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