Short answer
Synchrony Financial (SYF) filed its Q3 2025 10-Q quarterly report on Oct 22, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $5.7B (down 0.9% year over year) with net income of $1.1B.
Q3 2025 key financials · XBRL
- Revenue
- $5.7B
- −0.9% YoY · +2.6% QoQ
- Net income
- $1.1B
- +36.5% YoY · +11.4% QoQ
- EPS (diluted)
- $2.84
- +45.6% YoY · +14.1% QoQ
Source: XBRL data from the Synchrony Financial (SYF) Q3 2025 10-Q on SEC EDGAR. USD.
Synchrony Financial Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
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
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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