Synchrony 4Q Net Income Slips as Auto Lending Slows

Dow Jones

Jan 27

By Rob Curran

Synchrony Financial's fourth-quarter net income slipped as improved credit quality and higher borrowing in some categories were offset by lower purchase volumes in its home-and-auto operations.

The lender, once part of General Electric, posted earnings of $730 million, or $2.04 a share, down from $753 million, or $1.91 a share, a year earlier.

Revenue at the company, which provides financing for purchases of appliances and cars among other things, ticked down to $3.79 billion, shy of the average analyst forecast of $3.84 billion, as per FactSet.

Net interest income rose to $4.76 billion, but still missed analysts' estimates of $4.8 billion, according to the FactSet tally.

Purchase volume rose 3% to $49.5 billion. A drop in purchase volume in the home-and-auto category was offset by an increase in purchase volumes in the digital, health and wellness and other categories.

Credit quality improved. Synchrony's allowance for credit losses as a percentage of quarter-end loan receivables fell to 10.06% from 10.44% a year earlier. Net charge-offs fell to 5.37% from 6.45%.

Write to Rob Curran at rob.curran@dowjones.com

(END) Dow Jones Newswires

January 27, 2026 06:25 ET (11:25 GMT)

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A drop in purchase volume in the home-and-auto category was offset by an increase in purchase volumes in the digital, health and wellness and other categories. \n</p>\n<p>\n  Credit quality improved. Synchrony's allowance for credit losses as a percentage of quarter-end loan receivables fell to 10.06% from 10.44% a year earlier. 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A drop in purchase volume in the home-and-auto category was offset by an increase in purchase volumes in the digital, health and wellness and other categories. \n</p>\n<p>\n  Credit quality improved. Synchrony's allowance for credit losses as a percentage of quarter-end loan receivables fell to 10.06% from 10.44% a year earlier. Net charge-offs fell to 5.37% from 6.45%. \n</p>\n<pre style=\"white-space: pre\">\n \n</pre>\n<p>\n  Write to Rob Curran at rob.curran@dowjones.com \n</p>\n<pre style=\"white-space: pre\">\n \n</pre>\n<p>\n  (END) Dow Jones Newswires\n</p>\n<p>\n  January 27, 2026 06:25 ET (11:25 GMT)\n</p>\n<p>\n  Copyright (c) 2026 Dow Jones &amp; Company, Inc.\n</p>\n</font>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4561","symbol_name":"索罗斯持仓","start_time":0,"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","article_id":"2606785910","we_media_id":"106","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2606785910","pubTimestamp":1769513100,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Dow Jones","introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"summary":"Synchrony Financial's fourth-quarter net income slipped as improved credit quality and higher borrowing in some categories were offset by lower purchase volumes in its home-and-auto operations.The lender, once part of General Electric, posted earnings of $730 million, or $2.04 a share, down from $753 million, or $1.91 a share, a year earlier.Revenue at the company, which provides financing for purchases of appliances and cars among other things, ticked down to $3.79 billion, shy of the average analyst forecast of $3.84 billion, as per FactSet.Net interest income rose to $4.76 billion, but still missed analysts' estimates of $4.8 billion, according to the FactSet tally.Purchase volume rose 3% to $49.5 billion. A drop in purchase volume in the home-and-auto category was offset by an increase in purchase volumes in the digital, health and wellness and other categories.Credit quality improved. Synchrony's allowance for credit losses as a percentage of quarter-end loan receivables fell to 1","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4561":"索罗斯持仓","LU1668664300.SGD":"Blackrock World Financials A2 SGD-H","BK4588":"碎股","LU2360107671.USD":"BGF FINTECH \"A4\" (USD) INC","BK4585":"ETF&股票定投概念","SYF":"Synchrony Financial","LU1791807156.HKD":"BGF WORLD FINANCIALS \"A2\" (HKDHDG) ACC","LU1861217088.USD":"贝莱德金融科技A2","BK4166":"消费信贷","LU0106831901.USD":"贝莱德世界金融基金A2","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H"},"translate_title":"由于汽车贷款放缓，Synchrony第四季度净利润下滑","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"SYF":1.5},"content_text":"By Rob Curran \n\n\n \n\n\nSynchrony Financial's fourth-quarter net income slipped as improved credit quality and higher borrowing in some categories were offset by lower purchase volumes in its home-and-auto operations. \n\n\n  The lender, once part of General Electric, posted earnings of $730 million, or $2.04 a share, down from $753 million, or $1.91 a share, a year earlier. \n\n\n  Revenue at the company, which provides financing for purchases of appliances and cars among other things, ticked down to $3.79 billion, shy of the average analyst forecast of $3.84 billion, as per FactSet. \n\n\n  Net interest income rose to $4.76 billion, but still missed analysts' estimates of $4.8 billion, according to the FactSet tally. \n\n\n  Purchase volume rose 3% to $49.5 billion. A drop in purchase volume in the home-and-auto category was offset by an increase in purchase volumes in the digital, health and wellness and other categories. \n\n\n  Credit quality improved. Synchrony's allowance for credit losses as a percentage of quarter-end loan receivables fell to 10.06% from 10.44% a year earlier. Net charge-offs fell to 5.37% from 6.45%. \n\n\n \n\n\n  Write to Rob Curran at rob.curran@dowjones.com \n\n\n \n\n\n  (END) Dow Jones Newswires\n\n\n  January 27, 2026 06:25 ET (11:25 GMT)\n\n\n  Copyright (c) 2026 Dow Jones & Company, Inc.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"dataReport","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":true,"code":"91000000","status":"200"}}}