NYSE$SYF
Synchrony Financial · Q4 2020 earnings
Q4 2020 earnings · · Investor relations
Briefing
Synchrony reported Q4 2020 net earnings of $738 million, or $1.24 per diluted share, with improving trends but continued pandemic impact.
Synchrony Financial reported fourth quarter 2020 net earnings of $738 million, or $1.24 per diluted share. The company saw improvements in net charge-offs but was still impacted by the COVID-19 pandemic. They focused on building for the future with renewals, new programs, and an acquisition, and the board approved a $1.6 billion share repurchase program.
- Loan receivables decreased 6% to $81.9 billion.
- Purchase volume decreased 1% to $39.9 billion.
- Average active accounts decreased 10% to 66.3 million.
- Net earnings increased $7 million, or 1%, to $738 million.
Headline financials
Revenue & EPS history
Synchrony · Revenue · Quarterly
$3.66B
Revenue by segment
Synchrony · $4.4B total across 5 segments · Q3 2023
- Home & Auto$1.69B—38.3%
- Digital$1.31B—29.8%
- Diversified & Value$788M—17.9%
- Health & Wellness$356M—8.1%
- Lifestyle$259M—5.9%
Forward guidance
Synchrony is focused on navigating the evolving environment and investing in digital capabilities for future growth.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2020
+0.5%
Avg return
Earnings day
+0.8%
Avg return
5 days after
+2.4%
Avg return
30 days after
57%
31 / 54 earnings
Positive
+12.3%
Q4 2018
Best reaction
-15.5%
Q1 2017
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -3.2% | -2.9% | -10.0% | |
| Q4 2025 | -6.8% | -6.3% | -4.6% | |
| Q3 2025 | -0.8% | -0.8% | +0.3% | |
| Q2 2025 | +0.3% | -1.4% | +3.8% | |
| Q1 2025 | +2.8% | +8.9% | +21.7% | |
| Q4 2024 | -4.6% | -1.3% | -15.2% | |
| Q3 2024 | +6.4% | +4.7% | +21.9% | |
| Q2 2024 | -1.7% | -2.3% | -9.8% | |
| Q1 2024 | +4.2% | +4.3% | +1.1% | |
| Q4 2023 | +0.5% | +4.7% | +5.1% | |
| Q3 2023 | -3.2% | -1.9% | +3.7% | |
| Q2 2023 | +1.7% | -2.4% | -6.9% | |
| Q1 2023 | -1.3% | -2.2% | -0.8% | |
| Q4 2022 | -0.1% | +4.7% | +0.1% | |
| Q3 2022 | +6.0% | +9.3% | +11.4% | |
| Q2 2022 | +4.8% | +4.1% | +12.1% | |
| Q1 2022 | +8.0% | +0.7% | -12.3% | |
| Q4 2021 | -4.1% | -3.9% | -2.8% | |
| Q3 2021 | +1.8% | -3.6% | -5.2% | |
| Q2 2021 | +5.2% | +3.8% | +9.4% | |
| Q1 2021 | +3.8% | +5.5% | +15.0% | |
| Q4 2020 | -3.3% | +0.6% | +7.8% | |
| Q3 2020 | -7.6% | -4.6% | +3.3% | |
| Q2 2020 | +2.4% | +5.3% | +7.0% | |
| Q1 2020 | +3.0% | +8.9% | +16.3% | |
| Q4 2019 | -11.0% | -9.8% | -7.9% | |
| Q3 2019 | +3.2% | +3.3% | +9.0% | |
| Q2 2019 | -2.1% | +1.4% | -7.4% | |
| Q1 2019 | +0.9% | +0.7% | +5.0% | |
| Q4 2018 | +12.3% | +12.9% | +20.1% | |
| Q3 2018 | -0.6% | -3.6% | -12.6% | |
| Q2 2018 | -1.6% | -2.7% | +4.5% | |
| Q1 2018 | -1.8% | -5.8% | +0.3% | |
| Q4 2017 | +6.0% | +6.5% | -1.5% | |
| Q3 2017 | +3.1% | +2.1% | +6.8% | |
| Q2 2017 | +4.1% | +3.5% | +1.8% | |
| Q1 2017 | -15.5% | -13.0% | -17.2% | |
| Q4 2016 | +0.4% | +0.8% | +3.0% | |
| Q3 2016 | +6.1% | +5.8% | +23.9% | |
| Q2 2016 | -0.6% | -0.4% | -3.1% | |
| Q1 2016 | +0.1% | — | — | |
| Q4 2015 | +2.7% | — | — | |
| Q3 2015 | +0.1% | — | — | |
| Q2 2015 | +5.4% | — | — | |
| Q1 2014 | +1.8% | — | — | |
| Q1 2015 | +0.4% | — | — | |
| Q1 2013 | -0.7% | — | — | |
| Q4 2012 | -0.7% | — | — | |
| Q2 2014 | -0.7% | — | — | |
| Q4 2014 | +7.8% | — | — | |
| Q3 2013 | +2.1% | — | — | |
| Q3 2014 | +0.4% | — | — | |
| Q4 2013 | -3.3% | — | — | |
| Q2 2013 | -3.3% | — | — |
Discussion
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