$Synchrony Financial(SYF-B)$ reported net earnings of USD 751 million, or USD 2.04 per diluted share, for the fourth quarter (Q4) of 2025. The results include a USD 51 million after-tax restructuring charge related to a voluntary employee early retirement program, or USD 0.14 per diluted share. Purchase volume for the quarter increased 3 percent to USD 49.5 billion. Loan receivables stood at USD 103.8 billion, reflecting a 1 percent decrease, which included the sale of USD 0.2 billion during the quarter. The company reported a net interest margin of 15.83 percent, up by 0.82 percentage points. The efficiency ratio was 36.9 percent, an increase of 3.6 percentage points. The Common Equity Tier 1 (CET1) ratio was 12.6 percent. Return on assets for the period was 2.5 percent. Capital returned to shareholders during the quarter totaled USD 1.1 billion. Average active accounts were 69.3 million, down 1 percent.

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