For the quarter ended December 2025, Synchrony (SYF) reported revenue of $4.76 billion, up 3.7% over the same period last year. EPS came in at $2.18, compared to $1.91 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $4.79 billion, representing a surprise of -0.6%. The company delivered an EPS surprise of +8.08%, with the consensus EPS estimate being $2.02.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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:
- Net interest margin: 15.8% compared to the 15.7% average estimate based on five analysts.
- Efficiency Ratio: 36.9% versus the five-analyst average estimate of 32.7%.
- Net charge-offs as of average loan receivables: 5.4% versus the four-analyst average estimate of 5.4%.
- Total Average Loan receivables, including held for sale: $100.98 billion compared to the $101.6 billion average estimate based on three analysts.
- Total Period-end loan receivables: $103.81 billion compared to the $104.29 billion average estimate based on three analysts.
- Total Purchase Volume: $49.48 billion versus $49.06 billion estimated by three analysts on average.
- Total interest-earning assets - Average Balance: $119.3 billion compared to the $120.27 billion average estimate based on three analysts.
- Platform Analysis - Corp, Other - Average loan receivables, including held for sale: $117 million versus the two-analyst average estimate of $201.85 million.
- Tier 1 Leverage Ratio: 12.5% compared to the 12.8% average estimate based on two analysts.
- Total Risk-based Capital Ratio: 15.8% versus the two-analyst average estimate of 16.5%.
- Tier 1 Risk-based Capital Ratio: 13.8% compared to the 14.5% average estimate based on two analysts.
- Total Average active accounts: 69.3 million compared to the 68.81 million average estimate based on two analysts.
View all Key Company Metrics for Synchrony here>>>
Shares of Synchrony have returned -8.5% over the past month versus the Zacks S&P 500 composite's +0.4% 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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