Synchrony Financial

SYF: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Synchrony Earnings: Improving Credit Quality and Recovering Loan Growth Offset Expense Pressures

Michael Miller , Julia Chang

Oct 20, 2026

Synchrony reported solid third-quarter earnings, with diluted EPS of $2.68, down from $2.86 a year ago, as net income declined 17%. Return on equity remained robust at 21.0%, comfortably above the firm's cost of capital.

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Synchrony Financial

Synchrony Earnings: Improving Credit Quality and Recovering Loan Growth Offset Expense Pressures

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