Synchrony Financial (NYSE: SYF) shares closed at $77.51 on Monday, down 0.6% on the day, after the U.S. consumer finance company released its fourth-quarter 2025 financial results. The stock traded lower as investors reviewed quarterly earnings and credit performance metrics. At the close of trade, Synchrony Financial had a market capitalization of about $28.0 billion, based on the closing price and reported shares outstanding.
Latest Quarterly Results
For the quarter ended December 31, 2025 (Q4 2025), Synchrony Financial reported consolidated net revenue of $3,793 million, compared with $3,801 million in the same period a year earlier, indicating flat year-on-year performance.
Net earnings available to common stockholders were $730 million, down from $753 million in the year-earlier quarter, representing a decline of about 3% year-on-year.
Diluted earnings per share increased to $2.04 from $1.91, reflecting the impact of share count changes and earnings mix.
Platform-wise highlights (reported basis)
- Home & Auto: Loan receivables of $30.1 billion, down 5% year-on-year; purchase volume of $10.4 billion, down 2%.
- Digital: Loan receivables rose 2% to $30.1 billion; purchase volume increased 6% to $16.2 billion.
- Diversified & Value: Loan receivables increased 2% to $21.2 billion; purchase volume rose 4% to $17.5 billion.
- Health & Wellness: Loan receivables of $15.5 billion, up 1%; purchase volume grew 4% to $3.9 billion.
- Lifestyle: Loan receivables declined 2% to $6.8 billion; purchase volume was broadly stable at $1.5 billion.
All figures are reported on a consolidated basis.
Full-Year Results Context
For full-year 2025, Synchrony Financial reported net earnings of $3.3 billion. Purchase volume for the year totaled $182 billion, and return on assets stood at 2.5%, according to the company’s year-in-review disclosures. Compared with the prior year, earnings reflected moderation, while purchase activity increased.
Business & Operations Update
During the quarter, the company reported purchase volume growth of 3%, average active accounts of 69.3 million, and loan receivables of $103.8 billion. Net interest margin improved to 15.83% from 15.01% a year earlier. Net charge-offs declined to 5.37% from 6.45%, while the efficiency ratio increased to 36.9%.
M&A or Strategic Moves
The company disclosed transaction-related activity linked to the Versatile Credit acquisition, with associated expenses recorded during the quarter. No additional mergers or divestments were announced.
Equity Analyst Commentary
Institutional commentary following the results focused on flat net revenue, lower net earnings, and trends in credit performance, including charge-offs and payment rates, as reflected in the quarterly disclosures.
Guidance & Outlook
The company outlined baseline assumptions for 2026, including mid-single-digit ending loan receivables growth and earnings per diluted share of $9.10–$9.50, subject to stated macroeconomic assumptions. No changes to regulatory conditions were assumed.
Performance Summary
Synchrony Financial shares closed lower on the day.
Quarterly net revenue was flat year-on-year.
Net earnings declined modestly.
Digital and Diversified platforms recorded growth in receivables.
