Synchrony reports USD 892 million profit. Synchrony Financial stock is worth USD 24.2 billion

Published on 10/20/2026 at 13:30 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Synchrony Financial earned USD 892 million in third-quarter 2026. Synchrony Financial stock is valued at USD 24.2 billion at the October 19, 2026 close.

Earnings and credit quality

Third-quarter net earnings reached USD 892 million on October 20, 2026.
Net charge-offs fell to 4.79 percent in the third quarter of 2026.
Synchrony Financial had a USD 24.2 billion market value at the October 19, 2026 close.

Schwarzweiß-Aufnahme einer Mitarbeiterin an Bildschirmen mit Kurscharts im Büro — Dokumentarische Schwarzweiß-Reportage aus einem Finanzbüro symbolisiert Synchrony Financial, ISIN US87165B1035, als Kreditkartenanbieter, Illustration mit AI erstellt.

Synchrony Financial (ISIN US87165B1035) reported USD 892 million in net earnings for the third quarter of 2026, or USD 2.68 in diluted earnings per share, according to StockTitan on October 20, 2026. Net earnings were USD 1.1 billion, or USD 2.86 per diluted share, in the third quarter of 2025.

The result gives Synchrony Financial stock a fresh earnings benchmark, but the quarter also showed pressure in profitability metrics. Purchase volume increased 8 percent to USD 49.7 billion, while loan receivables rose 3 percent to USD 103.3 billion.

Three dated earnings milestones

On August 17, 2026, Synchrony announced an enterprise collaboration with OpenAI. On September 30, 2026, CareCredit announced a Vetspire partnership for AI-enabled veterinary payments. On October 20, 2026, Synchrony reported third-quarter net earnings of USD 892 million and diluted earnings per share of USD 2.68, with the release carried by Synchrony Financial.

What does credit quality mean?

Credit quality improved even as earnings declined. Net charge-offs fell to 4.79 percent of average loan receivables from 5.16 percent a year earlier, a decrease of 37 basis points. The net interest margin decreased 12 basis points to 15.50 percent, while the efficiency ratio increased 330 basis points to 35.9 percent. Those figures make credit performance a counterweight to higher provisions and operating expenses.

Two payment dates follow

The company declared a quarterly common-stock dividend of USD 0.34 per share on October 20, 2026. According to TradingView, the dividend is payable on November 16, 2026, to shareholders of record on November 5, 2026.

The next investor checkpoint is the earnings discussion scheduled for October 20, 2026 at 8:00 a.m. Eastern Time. Synchrony's market value was USD 24.2 billion at the October 19, 2026 close, based on the latest quoted market data.

Stock value and investor lens

The last available euro quote came from Tradegate and stood at EUR 64.82 on October 12, 2026 at 9:39 a.m. CEST. The further course of trading is shown by the continuously updated real-time quote of Synchrony Financial stock.