SYNCHRONY $SYF Q3’26 EARNINGS HIGHLIGHTS 🔹 EPS: $2.68 (Est. $2.42) 🟢 🔹 Net Interest Income: $4.8B; +2% YoY 🔹 Net Earnings: $892M; -17% YoY 🔹 Purchase Volume: $49.7B; +8% YoY Purchase Volume by Platform: 🔹 Home & Auto: +9% YoY 🔹 Digital: +5% YoY 🔹 Diversified & Value: +13% YoY 🔹 Health & Wellness: +3% YoY 🔹 Lifestyle: +6% YoY Announcements: 🔸 Established partnership with OpenAI for strategic agentic commerce collaboration 🔸 Announced new integration with Stripe for CareCredit financing at online checkout Other Q3 Metrics: 🔹 Net Interest Margin: 15.50%; -12 bps YoY 🔹 Efficiency Ratio: 35.9%; +330 bps YoY 🔹 Net Charge-offs: 4.79%; -37 bps YoY 🔹 30+ Days Past Due: 4.34%; -5 bps YoY 🔹 Return on Equity: 21.0%; -410 bps YoY 🔹 CET1 Ratio: 12.9% Capital Return: 🔹 Share Repurchases: $1.1B 🔹 Common Stock Dividends: $110M 🔹 Remaining Authorization: ~$4.6B Key Updates: 🔸 Provision included a $30 million reserve build versus a $152 million release in the prior year Comments: 🔸 “Spend reached a record third quarter level and increased across credit cohorts and generations”