Exhibit 99.2 FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) | Quarter Ended | | | | | | | | | | | | | | | Six Months Ended | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Jun 30, Mar 31, Dec 31, Sep 30, | | | | | | | | | | Jun 30, | | | | Jun 30, | | Jun 30, | | | | | 2025 2025 | | | | | | 2024 | | 2024 | | 2024 | | 2Q'25 vs. 2Q'24 | | 2025 | | 2024 | | YTD'25 vs. YTD'24 | | | EARNINGS | | | | | | ...

Company also declares preferred stock dividendsSTAMFORD, Conn., July 22, 2025 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced second quarter 2025 results for the period ending June 30, 2025. The Earnings 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 a ...

Investors are always looking for stocks that are poised to beat at earnings season and Synchrony Financial (SYF) may be one such company. The firm has earnings coming up pretty soon, and events are shaping up quite nicely for their report.That is because Synchrony Financial is seeing favorable earnings estimate revision activity as of late, which is generally a precursor to an earnings beat. After all, analysts raising estimates right before earnings — with the most up-to-date information possible — is a pr ...

Core Insights - Synchrony Financial (SYF) is expected to report second-quarter 2025 results on July 22, with earnings estimated at $1.72 per share and revenues of $4.5 billion [1] - The earnings estimate has increased by 3 cents over the past week, indicating an 11% year-over-year growth, while revenues are projected to grow by 2.2% year-over-year [2] - For the full year 2025, revenues are estimated at $18.47 billion, reflecting a 2.5% increase year-over-year, and EPS is projected at $7.76, a 17.8% year-over-year jump [3] Earnings Predictions - The model predicts a likely earnings beat for Synchrony, supported by a positive Earnings ESP of +5.16% and a Zacks Rank of 3 (Hold) [4] - Factors contributing to the expected Q2 results include increased net interest margin and a decrease in net charge-offs, which are anticipated to enhance profitability [5][6] Financial Metrics - Interest and fees on loans are projected at $5.3 billion, remaining relatively flat year-over-year, while Average Interest-Earning Assets are expected to increase by 2.5% from the previous year [6] - The net charge-offs ratio is estimated at 5.99, down from 6.42 a year ago, indicating improved credit quality [7] Challenges - Despite positive indicators, Synchrony is expected to face increased information processing and employee costs, along with lower purchase volumes, which may partially offset the positives [7] - The total average active accounts are likely to decline by 0.7% in Q2, and total purchase volumes are projected to decrease by 3.6% year-over-year due to selective consumer spending [8][9]

Wall Street analysts expect Synchrony (SYF) to post quarterly earnings of $1.72 per share in its upcoming report, which indicates a year-over-year increase of 11%. Revenues are expected to be $4.5 billion, up 2.2% from the year-ago quarter.The consensus EPS estimate for the quarter has been revised 1% lower over the last 30 days to the current level. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates during this timeframe.Ahead of a company's earnings dis ...

Core Viewpoint - Synchrony (SYF) is anticipated to report a year-over-year increase in earnings driven by higher revenues, with the actual results being a significant factor influencing its near-term stock price [1][2]. Earnings Expectations - The upcoming earnings report is expected to be released on July 22, with a consensus estimate of $1.70 per share, reflecting a year-over-year increase of +9.7%. Revenues are projected to be $4.5 billion, up 2.2% from the previous year [3][2]. Estimate Revisions - The consensus EPS estimate has been revised down by 1.59% over the last 30 days, indicating a reassessment by analysts [4]. The Most Accurate Estimate for Synchrony is higher than the Zacks Consensus Estimate, resulting in a positive Earnings ESP of +6.05% [11]. Earnings Surprise Prediction - The Zacks Earnings ESP model suggests that a positive Earnings ESP reading is a strong predictor of an earnings beat, especially when combined with a Zacks Rank of 1, 2, or 3 [9][10]. Synchrony's current Zacks Rank is 3, indicating a likelihood of beating the consensus EPS estimate [11]. Historical Performance - In the last reported quarter, Synchrony exceeded the expected earnings of $1.63 per share by delivering $1.89, resulting in a surprise of +15.95%. The company has beaten consensus EPS estimates in all of the last four quarters [12][13]. Conclusion - Synchrony is positioned as a compelling candidate for an earnings beat, but investors should consider other factors that may influence stock performance beyond just the earnings report [16].

Core Insights - Synchrony has partnered with Babes in the Dirt as the official financing partner for the 2025 Off-Road Adventure Series, aiming to support women's participation in powersports [1][2][4] - Babes in the Dirt is the largest network for women off-roaders in the US, established to transform the powersports industry and promote inclusivity [3][9] - Women are the fastest-growing segment in the powersports market, highlighting a significant opportunity for growth and engagement [2][3] Company Overview - Synchrony is a leading consumer financial services company, providing access to credit and banking products for nearly 100 years, serving tens of millions of people [6] - KTM North America, a subsidiary of KTM AG, is recognized as Europe's leading high-performance motorcycle manufacturer, known for its competitive edge in the powersports industry [7][8] Event Sponsorship and Impact - Synchrony will facilitate financing for motorcycle sales, parts, garments, and accessories through Babes in the Dirt, addressing the needs of attendees who intend to purchase motorcycles [4] - In 2024, 23% of attendees at Babes in the Dirt events did not own a motorcycle but planned to buy one, indicating a strong demand for financing options [4] Mission and Goals - Babes in the Dirt aims to create a supportive environment for women in the powersports community, encouraging participation and adventure [5][9] - The collaboration with Synchrony and KTM is designed to enhance accessibility to motorcycles and related services for aspiring women riders [5][6]

Core Insights - Synchrony Financial (SYF) has partnered with Payzer to create an integrated digital solution aimed at enhancing financing options for residential contractors [1][8] - The collaboration allows contractors to offer financing during estimates, manage pre-qualifications, and receive instant credit decisions through a single interface, potentially increasing transaction values and speeding up payment timelines [2][8] - The partnership aligns with the growing consumer interest in Buy Now Pay Later (BNPL) options and home equity solutions, positioning both companies to meet evolving financial needs [3][4] Company Strategy - Synchrony is focusing on expanding its presence in the home service sector while enhancing its digital capabilities and diversified offerings through partnerships and acquisitions [4] - The collaboration with Payzer is expected to increase market reach, particularly among mid-sized contractors who may lack access to advanced financial tools [4][8] Market Performance - Over the past year, Synchrony shares have increased by 36.8%, significantly outperforming the industry growth of 9.5% [5]

Core Insights - Synchrony has been recognized as the No. 1 on the 2025 Fortune Best Workplaces in New York List by Great Place To Work, highlighting its commitment to trust, flexibility, and innovation in the workplace [1][5] - The company operates an NYC Innovation Hub that fosters collaboration and innovation among employees, enhancing the overall work environment [2][4] - Synchrony serves a significant portion of the U.S. population, providing financing solutions to 1 in 4 U.S. adults, thereby playing a crucial role in American commerce [3][6] Company Overview - Synchrony is a leading consumer financing company that has been in operation for nearly 100 years, offering credit and banking products to support healthier financial lives for tens of millions of people [6] - The company employs over 800 individuals in the Tri-State area, with a strong focus on employee growth, development, and a people-first philosophy [5][6] - Synchrony has achieved national recognition as well, ranking No. 2 on the 2025 list of Best Companies to Work For in the U.S. [5][6] Workplace Culture - The recognition as the Best Workplace in New York underscores the importance of a great employee experience built on trust and flexibility, as emphasized by the Executive Vice President and Chief Human Resources Officer [4] - The Innovation Hub, opened in 2022, reflects Synchrony's commitment to creating collaborative workspaces that attract top talent in the New York metropolitan area [4][5] - The company’s workplace culture is designed to empower employees to work in ways that suit them best, ultimately delivering results that matter to both individuals and businesses [4] Methodology and Recognition - The rankings for the 2025 Fortune Best Workplaces in New York were based on feedback from nearly 145,000 employees at eligible companies, surveyed as part of a larger pool of 1.3 million employees [7][8] - Companies must be Great Place To Work Certified, have at least 10 U.S. employees, and be headquartered in the New York region to be eligible for the rankings [8]

Core Insights - Synchrony Financial (SYF) has partnered with OnePay and Walmart to launch a new credit card program aimed at enhancing customer engagement and sales growth [1][8] - The program will feature two credit card options: a general-purpose card usable anywhere Mastercard is accepted and a private-label card exclusive to Walmart purchases [2][8] - The initiative is expected to strengthen customer relationships and generate attractive risk-adjusted returns for Synchrony [3] Financial Performance - Increased credit card utilization is projected to boost interest income for SYF, contributing to higher net interest income, which grew by 1.3% year-over-year in Q1 2025 [4] - SYF's share price has appreciated by 42.6% over the past year, significantly outperforming the industry average growth of 12.1% [7] Competitive Landscape - Competitors American Express (AXP) and Capital One (COF) have also seen growth in net interest income, with year-over-year increases of 11% and 7% respectively in Q1 [5][6] Valuation and Estimates - SYF is currently trading at a forward price-to-earnings ratio of 7.46, which is lower than the industry average of 18.62, indicating an attractive valuation [10] - Earnings estimates for SYF have been revised upward, with projections for 2025 increasing by 1.1% to $7.68 per share and for 2026 by 1.6% to $8.74 [11][13]