For the quarter ended March 2025, Synchrony (SYF) reported revenue of $4.46 billion, up 1.3% over the same period last year. EPS came in at $1.89, compared to $1.18 in the year-ago quarter.
The reported revenue represents a surprise of -1.79% over the Zacks Consensus Estimate of $4.55 billion. With the consensus EPS estimate being $1.63, the EPS surprise was +15.95%.
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: 33.4% compared to the 32.5% average estimate based on four analysts.
- Net interest margin: 14.7% versus 14.8% estimated by four analysts on average.
- Total Average Loan receivables, including held for sale: $101.02 billion compared to the $102.58 billion average estimate based on three analysts.
- Net charge-offs as of average loan receivables: 6.4% versus the three-analyst average estimate of 6.6%.
- Total Purchase Volume: $40.72 billion versus $42.35 billion estimated by three analysts on average.
- Total Period-end loan receivables: $99.61 billion versus the three-analyst average estimate of $102.06 billion.
- Total interest-earning assets - Average Balance: $122.79 billion versus the three-analyst average estimate of $125.95 billion.
- Platform Analysis - Digital - Period-end loan receivables: $27.77 billion versus the two-analyst average estimate of $27.80 billion.
- Platform Analysis - Home & Auto - Average loan receivables, including held for sale: $31.02 billion versus $32.27 billion estimated by two analysts on average.
- Platform Analysis - Diversified & Value - Purchase volume: $13.73 billion compared to the $14.24 billion average estimate based on two analysts.
- Platform Analysis - Diversified & Value - Period-end loan receivables: $19.44 billion versus the two-analyst average estimate of $19.63 billion.
- Platform Analysis - Diversified & Value - Average loan receivables, including held for sale: $19.67 billion versus $19.72 billion estimated by two analysts on average.
View all Key Company Metrics for Synchrony here>>>
Shares of Synchrony have returned -15.4% over the past month versus the Zacks S&P 500 composite's -8.9% 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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