Synchrony(US:SYF) ZACKSยท2025-01-23 15:21Core Insights - Analysts expect Synchrony (SYF) to report quarterly earnings of $1.90 per share, reflecting an 84.5% year-over-year increase, with revenues projected at $4.57 billion, up 2.2% from the previous year [1] - The consensus EPS estimate has been adjusted upward by 0.6% over the past 30 days, indicating a reassessment of projections by analysts [1][2] Earnings Estimates - The 'Efficiency Ratio' is predicted to reach 34.8%, down from 36% in the same quarter last year [4] - 'Net interest margin' is expected to be 14.7%, compared to 15.1% in the same quarter of the previous year [4] Loan Receivables and Charge-offs - Analysts estimate 'Total Average Loan receivables, including held for sale' at $102.83 billion, up from $99.68 billion a year ago [5] - 'Net charge-offs as a percentage of average loan receivables' is projected to be 6.3%, an increase from 5.6% in the previous year [5] Purchase Volume and Loan Receivables - 'Total Purchase Volume' is expected to reach $47.73 billion, down from $49.34 billion reported last year [6] - 'Total Period-end loan receivables' is estimated at $104.86 billion, compared to $102.99 billion a year ago [6] Interest-Earning Assets - 'Total interest-earning assets - Average Balance' is projected to be $125.01 billion, up from $117.34 billion in the previous year [7] Platform Analysis - 'Platform Analysis - Digital - Period-end loan receivables' is expected to be $29.19 billion, compared to $28.93 billion last year [7] - 'Platform Analysis - Home & Auto - Average loan receivables, including held for sale' is projected at $32.49 billion, up from $31.72 billion a year ago [8] - 'Platform Analysis - Diversified & Value - Purchase volume' is expected to be $16.63 billion, down from $16.99 billion last year [8] Stock Performance - Synchrony shares have increased by 5.8% over the past month, outperforming the Zacks S&P 500 composite, which rose by 2.7% [10]