Every 10-Q that SYNCHRONY FINANCIAL (SYF) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow SYF and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SYF filings page.
Synchrony Financial reported net earnings of $885 million for the three months and $1.69 billion for the six months ended June 30, 2026, slightly below the prior year as higher net interest income was offset by increased retailer share arrangements, higher operating costs and smaller reserve releases.
The company financed $49.8 billion of purchase volume in the quarter and $92.8 billion year-to-date, with average active accounts around 68.3–68.7 million. Loan receivables were $102.2 billion at June 30, 2026, up 2.4% year over year, while deposits reached $82.8 billion, representing 83% of total funding.
Credit metrics improved modestly: the net charge-off rate fell to 5.43% and over-30-day delinquencies edged down to 4.16%, with an allowance coverage ratio of 10.09%. Capital remained strong, with a 13.2% common equity Tier 1 ratio and 16.9% total risk-based capital. The company repurchased $1.8 billion of common stock in the first half, had $5.7 billion remaining under its new repurchase program, paid $0.60 per share in common dividends, and plans to raise the quarterly dividend to $0.34 starting in the third quarter of 2026.
Synchrony Financial reports Q1 2026 results with net earnings of $805 million, up from $757 million a year earlier, and diluted EPS of $2.27. Net interest income rose to $4.64 billion as higher loan yields and lower funding costs offset softer liquidity income.
Provision for credit losses fell to $1.34 billion and the net charge-off rate improved to 5.42% from 6.38%, while the allowance coverage ratio was 10.42% on $100.1 billion of loan receivables. Purchase volume grew $42.98 billion from $40.72 billion, with broad strength across Digital and Diversified & Value partners.
Deposits reached $82.9 billion, representing 83% of total funding, and liquid assets were $22.8 billion. Common equity Tier 1 capital stood at 12.7% and return on equity at 19.5%. The company repurchased $900 million of stock in the quarter, secured a new $6.5 billion repurchase authorization with no expiration, and plans to raise its quarterly dividend to $0.34 per share starting in Q3 2026.
Synchrony Financial reported stronger Q3 2025 results. Net earnings rose to $1.1 billion from $789 million, driven by lower credit loss provisions and higher net interest income. Net interest income increased to $4.7 billion (up 2.4%), as funding costs eased with lower benchmark rates.
Credit quality improved: the net charge-off rate fell to 5.16% and over‑30 day delinquencies declined to 4.39%. The provision for credit losses decreased to $1.146 billion (down 28.2%). Loan receivables were $100.2 billion (down 2.0% year over year) amid lower purchase volume earlier in the year and higher payment rates. Deposits totaled $79.9 billion and represented 85% of funding.
The company extended key partnerships, including Amazon, and added or renewed 40+ partners year to date. It repurchased $2.0 billion of common stock and paid $0.85 per‑share dividends year to date, with $2.1 billion of repurchase authorization remaining. In October 2025, Synchrony acquired Versatile Credit to enhance point‑of‑sale financing capabilities.