Synchrony Financial Q3 net earnings fall to $892 million, purchase volume rises 8%

Synchrony Financial reported Q3 net earnings of $892 million, or $2.68 per diluted share, down from $1.1 billion, or $2.86 per share, in Q3 2025. Purchase volume rose 8% to $49.7 billion and loan receivables grew 3% to $103.3 billion. Net interest margin narrowed 12 basis points to 15.50% and the efficiency ratio increased 330 basis points to 35.9%.