Synchrony Reports Fourth Quarter 2025 Results; Company also Announces Quarterly Common Stock Dividend of $0.30 Per Share

Rhea-AI Summary

Synchrony (NYSE: SYF) reported fourth-quarter 2025 results for the fiscal year ended December 31, 2025, and scheduled an 8:00 a.m. ET conference call with CEO Brian Doubles and CFO Brian Wenzel Sr. to review results and outlook.

The Board declared a quarterly cash dividend of $0.30 per common share, payable February 17, 2026, to holders of record on February 6, 2026. The Board also declared dividends on Series A and Series B preferred stock, equal to approximately $14.06 and $20.63 per share (equivalents of $0.351563 and $0.515625 per depositary share), payable February 17, 2026.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Positive

• Board declared $0.30 quarterly common dividend payable Feb 17, 2026
• Preferred dividends declared: $14.06 (Series A) and $20.63 (Series B) per share
• Company scheduled analyst conference call at 8:00 a.m. ET with replay available

Negative

• None.

News Market Reaction – SYF

-5.82%

60 alerts

-5.82% News Effect

-3.1% Trough in 57 min

-$1.66B Valuation Impact

$26.80B Market Cap

0.7x Rel. Volume

On the day this news was published, SYF declined 5.82%, reflecting a notable negative market reaction. Argus tracked a trough of -3.1% from its starting point during tracking. Our momentum scanner triggered 60 alerts that day, indicating high trading interest and price volatility. This price movement removed approximately $1.66B from the company's valuation, bringing the market cap to $26.80B at that time.

Data tracked by StockTitan Argus on the day of publication.

What This Means

The stock moved -5.8% in the session following this news. A negative reaction despite the reiterated...

Analysis

The stock moved -5.8% in the session following this news. A negative reaction despite the reiterated $0.30 common dividend and unchanged preferred payouts would contrast with the prior 1.76% gain on a similar earnings-and-dividend announcement. Such a decline could reflect concerns embedded in the underlying fourth quarter 2025 results or macro factors affecting credit services. Watching future dividend declarations and subsequent quarterly updates may help assess whether sentiment stabilizes or remains cautious.

Key Figures

Common dividend: $0.30 per share Series A preferred dividend: $14.06 per share Series B preferred dividend: $20.63 per share +5 more

8 metrics

Common dividend $0.30 per share Quarterly cash dividend payable Feb 17, 2026

Series A preferred dividend $14.06 per share Equivalent to $0.351563 per depositary share

Series B preferred dividend $20.63 per share Equivalent to $0.515625 per depositary share

Series A coupon 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A

Series B coupon 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

Depositary share A dividend $0.351563 Per outstanding depositary share, Series A

Depositary share B dividend $0.515625 Per outstanding depositary share, Series B

Dividend payment date February 17, 2026 Payment date for common and preferred dividends

Previous Dividends,earnings Reports

1 past event · Latest: Jul 22 (Positive)

Same Type Pattern 1 events

Date	Event	Sentiment	24h Move	Catalyst
Jul 22	Earnings and dividend	Positive	+1.8%	Q2 2025 results with $0.30 common dividend and preferred dividends.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Pattern Detected

Prior combined earnings and dividend news produced a modest positive move of 1.76%.

Recent Company History

Over the past several months, Synchrony highlighted partnerships, conference participation and product integrations, while one prior dividends,earnings release on Jul 22, 2025 combined quarterly results with a $0.30 dividend and led to a 1.76% gain. Today’s fourth quarter 2025 results and dividend announcement mirror that structure, reinforcing a pattern of pairing financial updates with stable capital return.

Key Terms

non-cumulative perpetual preferred stock, fixed rate reset, depositary shares

3 terms

non-cumulative perpetual preferred stock financial

"5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A"

Non-cumulative perpetual preferred stock is a type of investment that pays a fixed dividend forever, without a set end date. If the company skips some dividends in a year, you don’t get that money later, and it’s gone forever. It matters because investors get regular income but may miss out if the company faces financial trouble.

fixed rate reset financial

"8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B"

A fixed rate reset is a feature in some bonds or preferred shares where the interest or dividend rate is periodically recalculated and then fixed for the next term according to a pre-set reference (for example, a market rate) plus a set extra amount. It matters to investors because it changes the security’s future income and interest-rate sensitivity—like a thermostat that is reprogrammed at intervals so your heating cost adjusts in steps to current conditions rather than staying completely fixed or constantly changing.

depositary shares financial

"Each outstanding share of the Series A Preferred Stock and Series B Preferred Stock is represented by depositary shares"

Depositary shares are tradable certificates that represent a fractional piece of a larger security held by a third-party bank, like owning a slice of a single big pie instead of the whole pie. They let companies issue and investors buy smaller, more affordable portions of preferred stock or other instruments; holders usually receive proportional dividends and market pricing similar to ordinary shares, but may have limited voting rights and different liquidity or tax implications, which can affect income and resale value.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Company also declares preferred stock dividends

STAMFORD, Conn., Jan. 27, 2026 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its fourth quarter 2025 results for the fiscal year ending December 31, 2025. The earnings news release and presentation can be found on the company's Investor Relations website at https://investors.synchrony.com/financial-information/financial-results. 

Today at 8:00 a.m. Eastern Time, Brian Doubles, President and Chief Executive Officer, and Brian Wenzel Sr., Executive Vice President and Chief Financial Officer, will host a conference call to review the financial results and outlook for certain business drivers. The conference call can be accessed via an audio webcast through the investor relations website at www.investors.synchrony.com, under Events and Presentations. A replay will also be available on the website. 

The company also announced that its Board of Directors (the "Board") declared a quarterly cash dividend of $0.30 per share of common stock, payable on February 17, 2026, to holders of record at the close of business on February 6, 2026. The Board also declared a quarterly cash dividend on the outstanding shares of its 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A (the "Series A Preferred Stock") and 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B (the "Series B Preferred Stock"). Each outstanding share of the Series A Preferred Stock and Series B Preferred Stock is represented by depositary shares, each representing a 1/40th interest in a share. The dividends of approximately $14.06 per share on the Series A Preferred Stock (equivalent to $0.351563 per outstanding depositary share) and approximately $20.63 per share on the Series B Preferred Stock (equivalent to $0.515625 per outstanding depositary share) are payable on February 17, 2026 to holders of record at the close of business on February 6, 2026.

About Synchrony 
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #2 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.

Contacts 
Investor Relations: 
Kathryn Miller 
(203) 585-6291 
Kathryn.miller@syf.com 

Media Relations: 
Ashley Tufts 
(203) 216-6277 
ashley.tufts2@syf.com 

View original content to download multimedia:https://www.prnewswire.com/news-releases/synchrony-reports-fourth-quarter-2025-results-company-also-announces-quarterly-common-stock-dividend-of-0-30-per-share-302670341.html

SOURCE Synchrony

FAQ

When will Synchrony (SYF) pay the declared common dividend of $0.30?

The common dividend of $0.30 per share is payable on February 17, 2026 to holders of record on February 6, 2026.

What are the preferred depositary share dividend amounts for SYF Series A and Series B?

Dividends are approximately $14.06 per Series A share (equivalent to $0.351563 per depositary share) and $20.63 per Series B share (equivalent to $0.515625 per depositary share).

When and how can investors listen to Synchrony’s Q4 2025 results conference call (SYF)?

The call is at 8:00 a.m. ET on Jan 27, 2026 via audio webcast on the company's investor relations website; a replay will be available there.

What record date must shareholders meet to receive SYF’s Feb 17, 2026 dividend?

Shareholders must be on record at the close of business on February 6, 2026 to receive the dividend payable Feb 17, 2026.

Where can I find Synchrony’s full Q4 2025 financial results and presentation for SYF?

The company published the earnings news release and presentation on its investor relations website under financial results and events.