Synchrony Financial reports Q2 2026 EPS of $2.59, up 4% YoY; returns $950M to shareholders

Filed July 21, 2026 · Period ending July 21, 2026 · ~2 min read

Key Changes

• high

  Q2 2026 net earnings of $885M, or $2.59 per diluted share, up 4% from $2.50 in Q2 2025 despite 8% decline in dollar earnings; share repurchases drove per-share growth.

  Item 2.02 — Results of Operations and Financial Condition verify on EDGAR →
• high

  Net interest margin expanded 30 basis points to 15.08% from 14.78% YoY, driven by lower funding costs and favorable asset mix; loan receivables grew 2% to $102.2B.

  Exhibit 99.1 view on EDGAR →
• high

  Credit quality improved with net charge-offs declining 27 basis points to 5.43% from 5.70% YoY; 30+ day delinquencies decreased 2 basis points to 4.16%.

  Exhibit 99.1 view on EDGAR →