Synchrony Financial reported its full year (FY) 2025 earnings, with total interest income reaching USD 22.60 billion. Interest and fees on loans totaled USD 21.70 billion, while interest on cash and debt securities amounted to USD 903 million for the period. The company reported interest expense on deposits of USD 3.33 billion and interest on borrowings of consolidated securitization entities of USD 417 million. Net earnings for FY 2025 were USD 3.55 billion. Net earnings available to common stockholders stood at USD 3.47 billion. Basic earnings per share were USD 9.38, and diluted earnings per share were USD 9.28 for the same period. The provision for income taxes was USD 1.07 billion. Synchrony Financial continues to operate through a single business segment, providing a range of credit products, including private label, Dual Card, co-brand and general purpose credit cards, as well as short- and long-term installment loans and FDIC-insured savings products through Synchrony Bank. The company maintains relationships with national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Synchrony Financial published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001601712-26-000006), on February 06, 2026, and is solely responsible for the information contained therein.