Synchrony Financial Q3 net earnings fall 17% to $892 million

• Synchrony Financial’s third-quarter 2026 net earnings fell 17% to $892 million.
• Net interest income rose 2% to $4.8 billion, driven by higher loan interest and fees and lower interest expense.
• Provision for credit losses increased 10% to $1.3 billion, primarily reflecting a reserve build versus a year-earlier release.
• Purchase volume grew 8% to $49.7 billion, with growth across all five sales platforms.
• The net charge-off rate declined to 4.79% from 5.16% a year earlier.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Synchrony Financial published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001601712-26-000040), on October 20, 2026, and is solely responsible for the information contained therein.