Synchrony Financial (SYF) Form 10-Q — Oct 22, 2026
Synchrony Financial's Q3 2026 net earnings fell to $892 million from $1.077 billion a year ago, with diluted EPS of $2.68 versus $2.86, as higher operational losses, technology investments, marketing costs and a $30 million reserve build offset 1.9% net interest income growth. Underlying credit quality improved: the net charge-off rate fell 37bps to 4.79% and 30+ day delinquencies dropped to 4.34%, with management guiding full-year 2026 NCOs below its 5.5%-6.0% long-term target range.
Key figures
- Eps
- 2.68
- Revenue
- 16974
- Net Income
- 892
- Total Debt
- 17025
- Total Assets
- 122469
- Cash Position
- 15901
- Deposits busd
- 83
- Cet1 ratio pct
- 12.9
- Shares outstanding
- 311404854
- Delinquency 30d pct
- 4.34
- Loan receivables busd
- 103.3
- Efficiency ratio q3 pct
- 35.9
- Purchase volume q3 busd
- 49.7
- Return on equity q3 pct
- 21
- Buybacks nine months busd
- 2.9
- Q3 2025 net earnings musd
- 1077
- Net charge off rate q3 pct
- 4.79
- Net interest margin q3 pct
- 15.5
- Net interest income q3 musd
- 4809
- Allowance coverage ratio pct
- 10.01
- Nine month net earnings musd
- 2582
- Quarterly dividend per share
- 0.34
- Purchase volume growth q3 pct
- 8
- Remaining buyback authorization busd
- 4.6
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