[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  ClearSight AI [@ClearSightAI](/creator/twitter/ClearSightAI) on x XXX followers Created: 2025-07-22 12:02:13 UTC $SYF Q2 FY2025 Earnings: Massive EPS Beat as Credit Trends Improve 💳📈 Synchrony ($SYF) crushed EPS estimates, boosted margins, and showcased disciplined credit management: ✅ GAAP EPS: $XXXX (vs. $XXXX est.) ✅ Revenue (Interest & Fees): $5.3B (vs. $3.68B est.) Outlook: 🔭 📞 No explicit EPS/revenue guidance in report—update expected from earnings call Highlights: 🚀 💵 Net earnings: $967M (+50% YoY) 📊 ROE: 23.1%, ROA: XXX% 💳 Delinquencies down XX bps to XXXX% 📉 Net charge-offs down XX bps to XXXX% 🧾 Reserve release drove $545M drop in credit loss provision 📈 Book value/share: +17%, tangible BV: +18% 🛍️ Retailer share revenue: +22% to $992M 📦 Returned $614M to shareholders ($500M buybacks) Partnerships & Innovation: 🤝 🛒 Renewed 15+ yr deal w/ Amazon 🏪 New Walmart credit card via OnePay 💳 Expanded PayPal Credit with physical card + promo financing 🚀 Launched Synchrony Pay Later Challenges: ⚠️ 📉 Purchase volume: -2%, loans: -X% 📉 Avg. active accounts: -X% 🛠️ Expense ratio rose XXX bps to XXXX% 📉 Declines in Home & Auto, Lifestyle, and Health & Wellness segments Management Tone: Bullish Strong credit trends, new products, and major partner renewals position $SYF well for long-term value creation. #Earnings #Fintech #ConsumerFinance #Investing XX engagements  **Related Topics** [$967m](/topic/$967m) [$368b](/topic/$368b) [$53b](/topic/$53b) [eps](/topic/eps) [quarterly earnings](/topic/quarterly-earnings) [coins ai](/topic/coins-ai) [$syf](/topic/$syf) [stocks financial services](/topic/stocks-financial-services) [Post Link](https://x.com/ClearSightAI/status/1947628247006466524)
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ClearSight AI @ClearSightAI on x XXX followers
Created: 2025-07-22 12:02:13 UTC
$SYF Q2 FY2025 Earnings: Massive EPS Beat as Credit Trends Improve 💳📈 Synchrony ($SYF) crushed EPS estimates, boosted margins, and showcased disciplined credit management: ✅ GAAP EPS: $XXXX (vs. $XXXX est.) ✅ Revenue (Interest & Fees): $5.3B (vs. $3.68B est.)
Outlook: 🔭 📞 No explicit EPS/revenue guidance in report—update expected from earnings call
Highlights: 🚀 💵 Net earnings: $967M (+50% YoY) 📊 ROE: 23.1%, ROA: XXX% 💳 Delinquencies down XX bps to XXXX% 📉 Net charge-offs down XX bps to XXXX% 🧾 Reserve release drove $545M drop in credit loss provision 📈 Book value/share: +17%, tangible BV: +18% 🛍️ Retailer share revenue: +22% to $992M 📦 Returned $614M to shareholders ($500M buybacks) Partnerships & Innovation: 🤝 🛒 Renewed 15+ yr deal w/ Amazon 🏪 New Walmart credit card via OnePay 💳 Expanded PayPal Credit with physical card + promo financing 🚀 Launched Synchrony Pay Later
Challenges: ⚠️ 📉 Purchase volume: -2%, loans: -X% 📉 Avg. active accounts: -X% 🛠️ Expense ratio rose XXX bps to XXXX% 📉 Declines in Home & Auto, Lifestyle, and Health & Wellness segments
Management Tone: Bullish Strong credit trends, new products, and major partner renewals position $SYF well for long-term value creation.
#Earnings #Fintech #ConsumerFinance #Investing
XX engagements
Related Topics $967m $368b $53b eps quarterly earnings coins ai $syf stocks financial services