Synchrony Financial said third quarter Q3 2025 net earnings were $1.1 billion, or $2.86 per diluted share, compared to $789 million, or $1.94 per diluted share in the third quarter of the prior year.

1. 01

   Synchrony Financial said third quarter Q3 2025 net earnings were $1.1 billion, or $2.86 per diluted share, compared to $789 million, or $1.94 per diluted share in the third quarter of the prior year.

2. 02

   The company said provision for credit losses in Q3 decreased $451 million to $1.1 billion, reflecting lower net charge-offs and a reserve release of $152 million, compared to a reserve build of $44 million in the prior year.

3. 03

   Synchrony Financial said it returned $971 million in capital to shareholders in Q3, including $861 million of share repurchases and $110 million of common stock dividends. The Board approved an incremental $1.0 billion in share repurchase authorization, and as of June 30, 2026, the company had a total remaining repurchase authorization of $2.1 billion.

4. 04

   Synchrony Financial said loans 30 days or more past due as a percentage of total period-end loan receivables were 4.39% in Q3, compared to 4.78% in the prior year, and net charge-offs as a percentage of total average loan receivables were 5.16%, compared to 6.06% in the prior year.

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Original filing

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