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Synchrony Financial SYF Q3 2025 earnings

Reported October 15, 2025 · Before market open

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

Next report

Jul 21, 2026 (In 1 week)
Revenue estimate$3.7B
EPS estimate$2.13

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

See full
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×

Versus estimates

Revenue

Q1 2026$3.7BMiss by $90.5MQ4 2025$3.8BMiss by $45.8M
Q3 2025$4.8BBeat by $1.0B
Q4 2024$3.8BMiss by $28.0MQ3 2024$3.8BBeat by $52.9MQ2 2024$4.9BBeat by $1.2B

Diluted EPS

Q1 2026$2.27Beat by $0.05Q4 2025$2.07Beat by $0.02
Q3 2025$2.86Beat by $0.60
Q4 2024$1.91Miss by $0.02Q3 2024$1.94Beat by $0.15Q2 2024$1.55Beat by $0.20

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Questions, answered.

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 diluted 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 diluted 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.