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Synchrony (SYF) Reports Q2 Earnings: What Key Metrics Have to Say
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For the quarter ended June 2025, Synchrony (SYF - Free Report) reported revenue of $4.52 billion, up 2.6% over the same period last year. EPS came in at $2.50, compared to $1.55 in the year-ago quarter.
The reported revenue represents a surprise of +0.46% over the Zacks Consensus Estimate of $4.5 billion. With the consensus EPS estimate being $1.72, the EPS surprise was +45.35%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Synchrony performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio: 34.1% versus 32.5% estimated by five analysts on average.
Net interest margin: 14.8% versus 14.5% estimated by five analysts on average.
Net charge-offs as of average loan receivables: 5.7% versus the three-analyst average estimate of 6%.
Total Period-end loan receivables: $99.78 billion versus the three-analyst average estimate of $100.94 billion.
Total Average Loan receivables, including held for sale: $99.24 billion versus the three-analyst average estimate of $100.04 billion.
Total interest-earning assets - Average Balance: $122.71 billion versus the three-analyst average estimate of $125.6 billion.
Platform Analysis - Digital - Period-end loan receivables: $27.79 billion versus the two-analyst average estimate of $27.91 billion.
Platform Analysis - Home & Auto - Average loan receivables, including held for sale: $30.14 billion versus the two-analyst average estimate of $31.05 billion.
Platform Analysis - Diversified & Value - Purchase volume: $15.39 billion versus $15.15 billion estimated by two analysts on average.
Platform Analysis - Diversified & Value - Period-end loan receivables: $19.51 billion compared to the $19.59 billion average estimate based on two analysts.
Platform Analysis - Diversified & Value - Average loan receivables, including held for sale: $19.34 billion versus $19.43 billion estimated by two analysts on average.
Platform Analysis - Health & Wellness - Purchase volume: $4.01 billion compared to the $3.96 billion average estimate based on two analysts.
Shares of Synchrony have returned +9.8% over the past month versus the Zacks S&P 500 composite's +5.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Synchrony (SYF) Reports Q2 Earnings: What Key Metrics Have to Say
For the quarter ended June 2025, Synchrony (SYF - Free Report) reported revenue of $4.52 billion, up 2.6% over the same period last year. EPS came in at $2.50, compared to $1.55 in the year-ago quarter.
The reported revenue represents a surprise of +0.46% over the Zacks Consensus Estimate of $4.5 billion. With the consensus EPS estimate being $1.72, the EPS surprise was +45.35%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Synchrony performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Synchrony here>>>
Shares of Synchrony have returned +9.8% over the past month versus the Zacks S&P 500 composite's +5.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.