Synchrony Financial (SYF) Q3 2025 10-Q Quarterly Report
Synchrony Financial (SYF) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Oct 22, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
Synchrony Financial Q3 2025 10-Q Analysis
Management Discussion & Analysis
- • Revenue flat YoY: Interest and fees on loans $5.51B Q3 2025 vs $5.52B Q3 2024; nine months $16.15B 2025 vs $16.12B 2024
- • Operating margin compress: Net interest margin 15.62% Q3 2025 vs 15.04% Q3 2024; efficiency ratio 32.6% Q3 2025 vs 31.2% Q3 2024
- • Best segment growth: Digital platform purchase volume up 5.2% Q3 to $14.04B; interest/fees up 2.4% to $1.63B
- • Worst segment decline: Home & Auto purchase volume down 1.4% Q3 to $11.06B; interest/fees down 2.4% to $1.44B
- • Cash & capital: Deposits down 2.7% to $79.9B; repurchased $2.0B common stock YTD; net earnings increased to $1.1B Q3 2025 vs $789M Q3 2024
- • Outlook & guidance: Management cites impact of product, pricing, policy changes and macro conditions; extended major partner agreements through 2030-35; new share repurchase authorization of $2.1B remaining through mid-2026
Risk Factors
- • No new risk factors added this quarter compared to the 2024 10-K
- • Carried-forward credit risk from consumer loan defaults impacting receivables quality
- • Regulatory compliance risk from ongoing consumer financial protection laws enforcement
- • Market risk from interest rate fluctuations affecting loan yield and funding costs
- • Liquidity risk tied to debt maturity profile and ability to access capital markets
Synchrony Financial Q3 2025 Quarterly FinancialsXBRL
Revenue
$5.7B
▼ -0.9% YoY▲ +2.6% QoQ
Net Income
$1.1B
▲ +36.5% YoY▲ +11.4% QoQ
Net Margin
18.8%
▲ +515bp YoY▲ +148bp QoQ
Source: XBRL data from Synchrony Financial Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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