Synchrony reported fourth-quarter fiscal 2025 earnings of $2.18 per share, surpassing the Zacks Consensus Estimate of $2.02 and up from $1.91 per share in the year-ago period. Net interest income rose 8% year-over-year, driven by a higher average loan portfolio, while net charge-off rates remained stable at 4.1%. Return on assets improved to 2.5%, compared with 2.2% in the prior quarter, reflecting strong operating leverage and disciplined credit management.

The Board approved a common stock dividend of $0.30 per share, payable February 17, 2026 to shareholders of record on February 6. Additionally, quarterly dividends on the Series A and Series B preferred shares were set at approximately $14.06 and $20.63 per share, respectively, equating to $0.351563 and $0.515625 per depositary share. These actions signal continued confidence in cash flow generation and an ongoing commitment to returning capital to investors.

CEOs Brian Doubles and CFO Brian Wenzel Sr. will host a conference call at 8:00 a.m. Eastern to review financial results and provide forward guidance on portfolio growth, credit metrics and expense management. Synchrony highlighted plans to invest in digital platforms and co-branding partnerships, targeting mid-single-digit net loan growth in 2026 while maintaining an efficiency ratio below 50%. A replay will be available on the investor relations website following the live webcast.