Synchrony Financial's results for Q3 2026 (ended Sep 30, 2026) come from the company's own earnings release, filed with the SEC on 2026-10-20. Everything below is taken from that filing; quotes are copied exactly. Company outlooks are the company's own.
At a glance
| Item | Value |
|---|---|
| Diluted EPS (GAAP) | $2.68 |
| Full-year guidance | Stated (no change given) |
Guidance
Synchrony's full-year 2026 outlook: about $9.50 diluted EPS, mid-single-digit ending loan receivables growth and a net charge-off rate below 5.5%.
Why this label: Slide 'Updated Full Year 2026 Outlook' gives ~$9.50 EPS but no prior figure or direction word.
| Metric | Period | New | Prior (as stated in the release) |
|---|---|---|---|
| diluted EPS | FY2026 | ~$9.50 | not stated |
| ending loan receivables growth | FY2026 | mid-single digit | not stated |
| net charge-off rate | FY2026 | <5.5% | not stated |
| RSA / average loan receivables | FY2026 | within 4.0%–4.5% target range | not stated |
Next-quarter outlook:
| Metric | Period | Range |
|---|---|---|
| other expense | Q4 2026 | generally in line with 3Q'26 |
From the release
Revenue: "Net interest income · $ · 4,809 · $ · 4,608 · $ · 4,635 · $ · 4,761 · $ · 4,720"
Earnings per share: "today announced third quarter 2026 net earnings of $892 million, or $2.68 per diluted share, compared to $1.1 billion, or $2.86 per diluted share in the third quarter 2025."
diluted EPS: "~$9.50 Earnings per diluted share"
ending loan receivables growth: "Mid-single digit Ending loan receivables growth"
net charge-off rate: "<5.5% Net charge-off rate"
Quotes are copied from the filing; in table rows, cell borders are shown as “·”.
Key fact: Diluted EPS fell to $2.68 from $2.86; full-year 2026 EPS outlook about $9.50.
Source
Synchrony Financial earnings release (SEC filing), accession 0001601712-26-000040, filed 2026-10-20.
Part of the Q3 2026 Guidance Tracker. Educational only, not advice. Free weekly recap every Sunday: yieldterminalpro.com/newsletter.