Short answer
Synchrony Financial (SYF) filed its Q2 2026 10-Q quarterly report on Jul 23, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $5.6B (down 0.1% year over year) with net income of $885M.
Q2 2026 key financials · XBRL
- Revenue
- $5.6B
- −0.1% YoY · −0.4% QoQ
- Net income
- $885M
- −8.5% YoY · +9.9% QoQ
- EPS (diluted)
- $2.58
- +3.6% YoY · +13.7% QoQ
Source: XBRL data from the Synchrony Financial (SYF) Q2 2026 10-Q on SEC EDGAR. USD.
Synchrony Financial Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue proxy net interest income $4.608B, up 1.9% YoY from $4.521B
- Net earnings $885M vs $967M; net interest margin 15.08% vs 14.78% YoY
- Best platform Diversified & Value purchase volume $17.200B vs $15.393B; worst Lifestyle $1.518B vs $1.432B
- Deposits $82.8B, up 2.0% from December 31; deposits 83% of funding sources
- Capital deployment $1.8B share repurchases and $204M dividends; headwinds included higher operational losses and technology investment costs
Risk Factors
- No material risk-factor changes from the 2025 Form 10-K
- Business risks carried forward under “Risk Factors Relating to Our Business”
- Regulatory risks carried forward under “Risk Factors Relating to Regulation”
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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