Summary of QQ3 2025 results for Synchrony Financial (0LC3.L): The quarter delivered solid profitability and robust liquidity against a backdrop of revenue headwinds. Revenue of USD 4.834 billion declined 18.1% year over year, reflecting ongoing demand and mix challenges in the own-franchise consumer finance ecosystem. Despite the top-line pressure, gross profit reached USD 4.022 billion, yielding a gross margin of 83.2%, and operating income stood at USD 1.628 billion with an operating margin of approximately 33.68%. Net income was USD 1.077 billion, translating to a net margin of about 22.28% and earnings per share (EPS) of USD 2.89 (diluted USD 2.86). Year-over-year improvements in net income and EPS (up ~36.5% and ~47.5% respectively) reflect favorable non-operating items and ongoing efficiency, even as the company reported a negative revenue delta on a yearly basis.