Reported Q: Q1 2025 Rev YoY: -15.3% EPS YoY: -39.8% Move: +0.98%
Synchrony Financial
0LC3.L
$73.36 0.98%
Exchange LSE Sector Financial Services Industry Financial Diversified
Q1 2025
Published: Apr 24, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for 0LC3.L

Reported

Report Date

Apr 24, 2025

Quarter Q1 2025

Revenue

5.70B

YoY: -15.3%

EPS

1.89

YoY: -39.8%

Market Move

+0.98%

Previous quarter: Q4 2024

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Earnings Highlights

  • Revenue of $5.70B down 15.3% year-over-year
  • EPS of $1.89 decreased by 39.8% from previous year
  • Gross margin of 54.8%
  • Net income of 757.00M
  • "N/A" -
0LC3.L
Company 0LC3.L

Executive Summary

Synchrony Financial delivered a first quarter of 2025 that showcased robust quarterly cash generation and a solid balance sheet, even as YoY profitability metrics reflect higher non-operating costs and a shift in revenue mix. Revenue for the quarter stood at $5.70 billion, down 15.3% year-over-year but up 15.9% quarter-over-quarter, underscoring seasonality and a rebound in activity from Q4 2024. Net income declined year over year to $757 million (EPS $1.91), driven in part by higher total other income and expenses and continued interest expense, while core operating performance improved with operating income of $1.88 billion and EBITDA of $3.99 billion. CEO commentary and management highlights from the quarter point to ongoing emphasis on diversification of the consumer finance portfolio, the CareCredit ecosystem, and private-label/co-brand programs as growth accelerants, even as the company remains mindful of credit cost dynamics in a slowing macro backdrop.

Key Performance Indicators

Revenue
Decreasing
5.70B
QoQ: 15.86% | YoY: -15.26%
Gross Profit
Decreasing
3.12B
54.78% margin
QoQ: 39.38% | YoY: -15.12%
Operating Income
Decreasing
1.88B
QoQ: 93.11% | YoY: -46.94%
Net Income
Decreasing
757.00M
QoQ: -2.20% | YoY: -41.45%
EPS
Decreasing
1.91
QoQ: -1.04% | YoY: -39.75%

Revenue Trend

Margin Analysis

Historical Earnings Comparison

PeriodRevenue ($M)EPS ($)YoY GrowthReport
Q3 2025 4,834.00 2.86 -18.1% View
Q2 2025 4,712.00 2.50 -17.3% View
Q1 2025 5,699.00 1.89 -15.3% View
Q4 2024 4,919.00 1.91 +34.4% View
Q3 2024 5,904.00 1.94 +10.3% View