For the quarter ended September 2025, Synchrony (SYF) reported revenue of $4.72 billion, up 2.4% over the same period last year. EPS came in at $2.86, compared to $1.94 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $4.69 billion, representing a surprise of +0.64%. The company delivered an EPS surprise of +28.83%, with the consensus EPS estimate being $2.22.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Synchrony performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 32.6% versus 32.1% estimated by five analysts on average.
- Net interest margin: 15.6% versus 15.4% estimated by five analysts on average.
- Net charge-offs as of average loan receivables: 5.2% versus the four-analyst average estimate of 5.4%.
- Total interest-earning assets - Average Balance: $119.89 billion compared to the $121.71 billion average estimate based on three analysts.
- Total Average Loan receivables, including held for sale: $99.89 billion compared to the $100.34 billion average estimate based on three analysts.
- Total Purchase Volume: $46.01 billion versus the three-analyst average estimate of $44.97 billion.
- Total Period-end loan receivables: $100.18 billion compared to the $100.74 billion average estimate based on three analysts.
- Tier 1 Leverage Ratio: 13% versus 12.7% estimated by two analysts on average.
- Platform Analysis - Home & Auto - Purchase volume: $11.06 billion compared to the $10.95 billion average estimate based on two analysts.
- Platform Analysis - Digital - Purchase volume: $14.04 billion versus the two-analyst average estimate of $13.72 billion.
- Platform Analysis - Diversified & Value - Purchase volume: $15.42 billion compared to the $15.27 billion average estimate based on two analysts.
- Platform Analysis - Health & Wellness - Purchase volume: $3.98 billion compared to the $3.88 billion average estimate based on two analysts.
View all Key Company Metrics for Synchrony here>>>
Shares of Synchrony have returned -2.3% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Synchrony Financial (SYF): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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