SYF Synchrony Financial

Q3 2025 10-Q

Filed: Oct 22, 2025Period ending Sep 30, 2025

Financials

Finance ServicesSEC EDGAR

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.

AI Filing Analysis
Q3 2025 10-Q

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

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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

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Quarterly Financial Summary
XBRL

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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