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Synchrony Financial SYF Q3 2025 earnings

Reported October 15, 2025 · Before market open

Revenue$4.8BBeat by $1.0B
EPS$2.86Beat by $0.60
Revenue estimate$3.8B
EPS estimate$2.26

Next report

Oct 21, 2026 (in 2 months)
Revenue estimate$3.8B
EPS estimate$2.38

Financials

Q3 2025

Income statement

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Net income$1.1B+36.5%
EPS (diluted)$2.86+47.4%

Balance sheet

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Cash & equivalents$16.2B-9.4%
Total debt$14.4B-7.7%
Total equity$17.1B+6.8%
Total assets$116.98B-1.9%

Cash flow

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Operating cash flow$2.6B-4.6%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$26.43B+32.7%
Enterprise value$24.62B+39.8%
P/E7.4×+1.1×

Returns & leverage

See full
Return on equity21.6%+0.4pp
Debt / equity0.8×-0.1×

FAQ

When did Synchrony Financial report Q3 2025 earnings?
Synchrony Financial (SYF) reported Q3 2025 earnings on October 15, 2025 before market open.
What were Synchrony Financial's Q3 2025 revenue and EPS?
Synchrony Financial reported revenue of $4.8B and eps of $2.86 for Q3 2025.
Did Synchrony Financial beat estimates in Q3 2025?
Revenue beat the consensus estimate of $3.8B by $1.0B. EPS beat the consensus estimate of $2.26 by $0.60.
How did Synchrony Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 26.7% from $3.8B a year earlier and eps grew 47.4% from $1.94.
Where can I find Synchrony Financial's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001601712-25-000257) and the 10-Q periodic report (0001601712-25-000259) directly on SEC EDGAR. The filing index links above go to sec.gov.