Synchrony Financial

SYF: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Synchrony Earnings: Modest Recovery in Loan Growth and Good Credit Performance Drive Strong Results

Michael Miller , Julia Chang

Jul 21, 2026

Synchrony reported decent second-quarter earnings, with diluted EPS of $2.59, up from $2.50 a year ago despite net income declining 8% thanks to a much lower share count. These results translate into a strong return on equity of 21.4%, well above the firm's cost of capital.

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Synchrony Financial

Synchrony Earnings: Modest Recovery in Loan Growth and Good Credit Performance Drive Strong Results

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