同步金融Synchrony Financial（SYF）2025财年第三季度业绩报告「NYSE」（英文版）（16页）.pdf

1、Third Quarter 2025 Results and Key MetricsSTAMFORD,Conn-Synchrony Financial(NYSE:SYF)today announced third quarter 2025 net earnings of$1.1 billion,or$2.86 per diluted share,compared to$789 million,or$1.94 per diluted share in the third quarter 2024.In September,the Companys Board approved an increm

2、ental share repurchase authorization of$1.0 billion.As of September 30,2025,the Company had a total remaining repurchase authorization of$2.1 billion through June 30,2026.CEO Commentary“Synchronys third quarter performance was highlighted by a return to purchase volume growth,driven by stronger spen

3、d trends across all five of our platforms,and continued strength in our credit performance,”said Brian Doubles,Synchronys President and Chief Executive Officer.“Our purchase volume growth was driven by improving trends across credit grades and generations,reflecting the resilience of our customers a

4、nd the compelling utility and value that Synchrony provides as they navigate the continued uncertainty in the broader environment.”“Looking ahead,we are confident in our momentum.Synchronys underwriting discipline and credit actions have delivered credit performance in 2025 that has exceeded our exp

5、ectations,and we believe our consistent execution has primed our business for strong risk-adjusted growth as conditions allow.We are excited about the many opportunities we see to drive meaningful long-term value for the many stakeholders we serve.”3.6%13.7%$971M$100.2BReturn on AssetsCET1 RatioCapi

6、tal ReturnedLoan ReceivablesKey Operating and Financial Metrics*Purchase volume increased 2%to$46.0 billionLoan receivables decreased 2%to$100.2 billion,which included the movement of$0.2 billion to loan receivables held for sale in the second quarter of 2025Average active accounts decreased 3%to 68