Synchrony Financial (SYF) reported third-quarter earnings of $1.94 per share, surpassing the estimated $1.77 per share. Net interest income (NII) for the quarter was $4.61 billion, exceeding the expected $4.51 billion. The company adjusted its full-year 2024 EPS guidance to a range of $8.45 to $8.55, significantly higher than the previous estimate of $5.81. However, Synchrony Financial expects a low single-digit percentage decline in purchase volume in the fourth quarter compared to the prior year. U.S. Bancorp (USB) reported adjusted earnings per share of $1.03 for the third quarter, beating the estimated $0.99 per share. Net income was $1,714 million. Net interest income was $4.17 billion, above the expected $4.06 billion, while revenue was slightly below estimates at $6.86 billion. Key financial metrics for U.S. Bancorp included a return on equity (ROE) of 12.4% and a return on assets (ROA) of 1.03%, both showing year-over-year improvements. The company expects to resume share buybacks in the near term and has affirmed its full-year 2024 NII guidance of $16.1 to $16.4 billion. Total average loans amounted to $374.07 billion, and results included an $89 million after-tax net securities loss largely offset by lower income tax expense.