While still higher than a year ago, it has been a very difficult few months for Synchrony Financial (NYSE: SYF ) investors with the stock falling over 30% from its highs. Its Q1 earnings resultsOver fifteen years of experience making contrarian bets based on my macro view and stock-specific turnaround stories to garner outsized returns with a favorable risk/reward profile. If you want me to cover a specific stock or have a question for an article, just let me know!Analyst’s Disclosure: I/we have no stock, o ...

Synchrony Financial (SYF) Q1 2025 Earnings Call April 22, 2025 08:00 AM ET Company Participants Kathryn Harmon Miller - Senior Vice President and Director of Investor RelationsBrian Doubles - President and CEOBrian Wenzel - Executive VP & CFORyan Nash - Managing Director - Regional Banks & Consumer FinanceSanjay Sakhrani - Managing DirectorMark Devries - DirectorDonald Fandetti - Managing Director Conference Call Participants Terry Ma - Senior Equity Research AnalystMoshe Orenbuch - Managing Director & Seni ...

Synchrony (SYF) came out with quarterly earnings of $1.89 per share, beating the Zacks Consensus Estimate of $1.63 per share. This compares to earnings of $1.18 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 15.95%. A quarter ago, it was expected that this consumer credit company would post earnings of $1.90 per share when it actually produced earnings of $1.91, delivering a surprise of 0.53%.Over the last four quarters, the ...

Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results and should be read in conjunction with the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.investors.synchrony.com) and the SEC's website (www.sec.gov). All references to net earnings and net income are intended to have the same me ...

Synchrony Financial (SYF) Q1 2025 Earnings Conference Call April 22, 2025 08:00 AM ET Company Participants Operator - Technical/Call OperatorOperator - Conference ModeratorCatherine Miller - Senior Vice President, Investor RelationsBrian Devils - President & Chief Executive Officer Conference Call Participants Ryan Nash - Analyst, Goldman SachsTerry Ma / Rick Shane - Analyst (Barclays / JP Morgan)John Pinkerry - Analyst, EvercoreMihir Bhatia - Analyst, Bank of AmericaMark DeVries / Don Vandetti - Analyst (D ...

Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY | (unaudited, in millions, except per share statistics) | | --- | (1) Tangible book value per share is a non-GAAP measure, calculated based on Tangible common equity divided by common shares outstanding. For corresponding reconciliation of this measure to a GAAP financial measure, see Reconciliation of Non-GAAP Measures and Calculations of Regulatory Measures. 1 SYNCHRONY FINANCIAL SELECTED METRICS (unaudited, $ in millions) | | | | | | Quarter Ended | | | ...

Financial Results - Synchrony Financial announced its first quarter 2025 results for the period ending March 31, 2025 [1] - A conference call will be hosted by the CEO and CFO to review financial results and outlook [2] Dividends - The Board declared a quarterly cash dividend of $0.30 per share of common stock, representing a 20% increase [3] - Dividends for Series A Preferred Stock are approximately $14.06 per share and for Series B Preferred Stock are approximately $20.63 per share, both payable on May 15, 2025 [3] Share Repurchase Program - The Board approved a share repurchase program of up to $2.5 billion, set to commence in the second quarter of 2025 through June 30, 2026 [4] Company Overview - Synchrony is a leading consumer financing company, providing access to credit and banking products for nearly 100 years [5] - The company supports the growth of over 400,000 small and midsize businesses and is ranked as the 2 Best Company to Work For by Fortune magazine [5]

Core Viewpoint - Synchrony Financial (SYF) is expected to report first-quarter 2025 results on April 22, 2025, with earnings estimated at $1.66 per share and revenues of $4.55 billion, indicating a year-over-year earnings increase of 40.7% and revenue growth of 3.4% [1][2] Financial Performance Estimates - The Zacks Consensus Estimate for Synchrony's total revenues in 2025 is $18.62 billion, reflecting a year-over-year rise of 3.4% [2] - The consensus estimate for current year EPS is $7.58, suggesting a year-over-year increase of approximately 15% [2] - Synchrony has beaten the consensus estimate for earnings in three of the last four quarters, with an average surprise of 2.8% [2] Earnings Prediction - The model predicts a likely earnings beat for Synchrony, supported by a positive Earnings ESP of +1.29% and a Zacks Rank of 3 (Hold) [3] Factors Influencing Q1 Results - Expected advantages in Q1 include increased net interest margin and average active accounts, with net interest income estimated to grow by around 3% year-over-year [4] - The total average active accounts are projected to have risen marginally in Q1 [5] - An increase in Average Interest-Earning Assets is anticipated, with a consensus estimate indicating a 3.4% rise from the previous year [6] - The net interest margin is expected to improve to 14.76%, up from 14.55% a year ago, enhancing profitability [6] Challenges and Concerns - Despite positive factors, Synchrony is expected to face increased information processing and professional fees, along with a slight decline in purchase volumes [7] - The Zacks Consensus Estimate for total purchase volumes indicates a 0.1% year-over-year decline due to selective consumer spending and credit actions [8] - The efficiency ratio is projected at 32.46%, indicating a deterioration from the prior year's figure of 25.1% [8] - Net charge-offs are likely to have substantially increased in the quarter [8]

Multi-year Consumer Financing Agreement Features Digital-First Cardholder Experience and RewardsSTAMFORD, Conn., April 17, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced a multi-year extension of its agreement to manage the credit programs of American Eagle Outfitters, Inc. (NYSE: AEO), a leading global specialty retailer. Synchrony will continue to deliver a frictionless consumer financing experience for American Eagle and Aerie customers to earn ...

Wall Street analysts expect Synchrony (SYF) to post quarterly earnings of $1.66 per share in its upcoming report, which indicates a year-over-year increase of 40.7%. Revenues are expected to be $4.55 billion, up 3.4% from the year-ago quarter.Over the last 30 days, there has been a downward revision of 6% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of this timeframe.Pr ...