Synchrony Financial作为美国主要的消费金融公司,主营私人标签信用卡、支付解决方案以及医疗保健信用卡等业务。公司周三公布了2024财年第三季度的业绩,并上调了全年盈利预期,成为市场焦点。
第三季度,Synchrony Financial的净利息收入达到46.1亿美元,较去年同期的43.6亿美元有所增长,主要受益于当前的高利率环境,带动了公司在高息贷款产品上的收益。不过公司第三季度消费额有所下滑,较去年同期下降4%至450亿美元,反映出消费者压缩了一定的非必需支出。尽管如此,Synchrony Financial仍录得7.89亿美元净利润,每股收益1.94美元,超出市场预期。
值得注意的是,公司第三季度信贷损失准备金同比增加至16亿美元,反映出当前复苏期经济环境对信贷质量造成了一定影响。不过分析人士对公司第三季度的整体表现持乐观态度,认为业绩符合预期。
更重要的是,Synchrony Financial上调了2024财年全年的盈利预期,预计每股收益将达到8.45至8.55美元,较之前预期的7.60至7.80美元有较大幅度上调。FactSet最新调查显示,分析师们也上调了Synchrony Financial 2024年每股收益预期中位数至6.51美元。基于业绩向好及利率环境支持,公司股价今日盘前大涨6.36%,市场对其前景表现出信心。
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