Synchrony Financial (SYF) announced fourth quarter 2025 net earnings of $751 million, or $2.04 per diluted share, on January 27, 2026. The company reported sequential growth in new accounts, purchase volume, and receivables during the quarter. Full year 2025 results included over 20 million new accounts, engagement with nearly 70 million customers, and $182 billion in purchase volume. In February 2026, Synchrony renewed its financing partnership with Polaris, extending a nearly 20-year relationship for powersports consumer financing. Additionally, Weave and Planet DDS announced new integrations of Synchrony's CareCredit solution into their practice management platforms, and Synchrony completed a $750 million fixed-to-floating senior unsecured notes offering due in 2032. These developments in partnerships and healthcare financing integrations occurred during the period surrounding the stock's 1.4% gain.
Read full analysisSynchrony Financial (SYF) announced fourth quarter 2025 net earnings of $751 million, or $2.04 per diluted share, on January 27, 2026. The company reported sequential growth in new accounts, purchase volume, and receivables during the quarter. Full year 2025 results included over 20 million new accounts, engagement with nearly 70 million customers, and $182 billion in purchase volume. In February 2026, Synchrony renewed its financing partnership with Polaris, extending a nearly 20-year relationship for powersports consumer financing. Additionally, Weave and Planet DDS announced new integrations of Synchrony's CareCredit solution into their practice management platforms, and Synchrony completed a $750 million fixed-to-floating senior unsecured notes offering due in 2032. These developments in partnerships and healthcare financing integrations occurred during the period surrounding the stock's 1.4% gain.
Synchrony Financial is one of the largest U.S. consumer financing companies, issuing store-branded credit cards for retailers like Amazon, Lowe's, and PayPal, as well as the CareCredit medical financing card used across healthcare providers. Its business model depends heavily on charging interest rates well above 10% on subprime and near-prime borrowers, making it acutely vulnerable to the Trump administration's proposed credit card rate cap that hammered shares in January.