Revenue segments as reported by the company.

Interest income

Interest expense

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Retailer share arrangements

Provision for credit losses

Other income

Other expense

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Synchrony Financial

Synchrony Financial engages in the provision of consumer financial services. It operates through three sales platforms: Retail Card, Payment Solutions, and CareCredit. The Retail Card platform is a provider of private label credit cards, and also provides Dual Cards and small-and medium-sized business credit products. The Payment Solutions platform is a provider of promotional financing for major consumer purchases, offering private label credit cards and installment loans. The CareCredit platform is a provider of promotional financing to consumers for elective healthcare procedures or services, such as dental, veterinary, cosmetic, vision and audiology. The company was founded on September 12, 2003, and is headquartered in Stamford, CT.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Synchrony Financial excels in Q4 2022, poised for growth

Synchrony Financial's Q4 2022 earnings call highlighted solid financial performance, capital management strength, digital innovation, and strategic partnerships. While facing challenges such as regulatory uncertainties and economic impacts on consumer behavior, the company is well-positioned to leverage opportunities in consumer demand and asset growth dynamics. Synchrony's proactive approach to business management and focus on customer experience enhancements underscore its resilience and growth potential.

Synchrony Financial excels in Q1 2023, eyes sustained growth

Synchrony Financial's strong performance in Q1 2023 underscores its effective dual card co-brand strategy and customer engagement initiatives.
While facing challenges such as seasonal trends and margin pressures, the company remains optimistic about consumer trends and its ability to manage risks.
With opportunities in sustained growth, regulatory approvals, and strategic capital planning, Synchrony is well-positioned to navigate market dynamics and deliver value to stakeholders.

Synchrony Financial (SYF) excels in Q2 2023, navigating challenges

Synchrony Financial (SYF) excelled in Q2 2023, demonstrating strong financial performance and strategic initiatives to drive growth and enhance customer engagement.
While facing regulatory uncertainties and expense challenges, the company's focus on innovation, prudent financial management, and strategic acquisitions positions it well for future success.
Opportunities in expanding product offerings, improving financial metrics, and strategic acquisitions present avenues for sustained growth and value creation for Synchrony.

Synchrony Financial reports robust Q3 results amidst credit challenges

Synchrony Financial's Q3 performance reflects operational strength, digital growth, and shareholder value focus amidst credit challenges.
The company faces revenue challenges in certain segments but benefits from strong partnerships, liquidity, and disciplined credit management.
Opportunities lie in product diversification, strategic partnerships, and maintaining credit performance discipline for long-term profitability.
Investors can expect continued focus on growth, risk management, and shareholder returns in Synchrony's strategic outlook.

Synchrony Financial excels in Q4, faces challenges and growth opportunities

Synchrony Financial's strong financial performance, strategic partnerships, and innovative solutions position it well for future growth.
Challenges in credit performance, evolving consumer trends, and potential regulatory impacts require a proactive and adaptive approach.
Opportunities in key growth areas and prudent capital deployment strategies can drive sustained success and shareholder value for Synchrony.

Synchrony Financial reports robust Q1 earnings amidst credit challenges

Synchrony Financial's Q1 performance showcased strong financial metrics and growth in accounts and purchase volume, with a focus on credit quality and shareholder value.
While facing challenges in credit trends and operational changes, the company is strategically positioned to navigate through potential headwinds and capitalize on growth opportunities.
With a commitment to operational efficiency, shareholder returns, and strategic partnerships, Synchrony Financial aims to maintain a strong financial position and drive long-term profitability.

Synchrony Financial excels in Q2, eyes strategic partnerships for growth

Synchrony Financial's Q2 performance reflects strong financial health, growth in key metrics, and strategic initiatives to enhance customer experience. While facing challenges like potential decline in purchase volume, the company remains focused on sustainable growth and profitability through prudent risk management.

Synchrony Financial reports robust Q3 earnings amid consumer spending challenges

Synchrony Financial's Q3 performance showcased resilience amidst consumer spending challenges, with a focus on strategic partnerships and financial targets. Despite facing moderation in consumer spending, the company's strong financial performance and improving credit trends position it well for sustainable growth.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Synchrony Financial engages in the provision of consumer financial services. It focuses on digital, health and wellness, retail, telecommunications, home, auto, outdoor, pet, and other industries. The company was founded on September 12, 2003 and is headquartered in Stamford, CT.

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Advances Access to Youth and Adults with Financial Education Partnership Reinforces Synchrony's Commitment to Education as an Equalizer STAMFORD, Conn. , April 27, 2023 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced it has become a member company of Financial Literacy for All (FL4ALL) – a national initiative dedicated to embedding financial literacy into American culture.

Synchrony Joins Operation HOPE's National 'Financial Literacy for All' Initiative

Horse Owners Underestimate the Total Cost of Care,  with Actual Expenses Three or Even Four-Plus Times Higher   Research Uncovers 85 Percent of Horse Owners Feel Anxiety from Horse Expenses, Can Expect One to Two Costly Emergency Medical Events Per Year  STAMFORD, Conn. , April 26, 2023 /PRNewswire/ -- Horse owners nationwide vastly underestimate the lifetime cost of caring for a horse, which ranges from nearly $300,000 to $924,000, according to a new Synchrony (NYSE: SYF) study, "Equine Lifetime of Care.

SYNCHRONY STUDY ESTIMATES THE LIFETIME COST OF HORSE OWNERSHIP RANGES FROM $300,000 TO $924,000

STAMFORD, Conn. , April 25, 2023 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) announced that its Board of Directors has approved an incremental share repurchase program of up to $1.0 billion, commencing this quarter through June 30, 2024, and intends to increase the quarterly cash dividend from $0.23 to $0.25 per share of common stock, commencing in the third quarter of 2023.

Synchrony Announces Approval of an Incremental $1.0 Billion Share Repurchase Program and Plans to Increase Quarterly Common Stock Dividend by 9% to $0.25 Per Share

Company also declares preferred stock dividend STAMFORD, Conn. , April 20, 2023 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) announced today that its Board of Directors declared a quarterly cash dividend of $0.23 per share of common stock, payable on May 12, 2023 to holders of record at the close of business on May 2, 2023.

Synchrony Announces Quarterly Common Stock Dividend of $0.23 Per Share

New Program Will Offer Homeowners Cost-Saving Promotions STAMFORD, Conn. and ALPHARETTA, Ga.

LG Air Conditioning Technologies and Synchrony to Partner on Multi-Year Financing Program

Company's New Cincinnati-Area Center Supports Today's Hybrid Workforce, Grows Local Economy WEST CHESTER, Ohio , April 20, 2023 /PRNewswire/ -- Synchrony leaders recently celebrated the official opening of the company's new Cincinnati-West Chester hub. Synchrony's Chief Technology and Operating Officer Carol Juel, Home & Auto CEO Curtis Howse, Chief Human Resources Officer DJ Casto and West Chester Hub Leader Loretta Chandler hosted a ribbon-cutting ceremony with local employees to mark the occasion.

Synchrony Leaders Celebrate Grand Opening of Cincinnati-West Chester Hub

Synchrony Financial's (SYF) Q1 results hurt by escalating employee costs and lower average active accounts, partly offset by record purchase volume and improved net interest income.

Synchrony Financial (SYF) Q1 Earnings Miss on Elevated Expenses

Synchrony Financial (SYF) Q1 2023 Earnings Call Transcript

Synchrony (SYF) came out with quarterly earnings of $1.35 per share, missing the Zacks Consensus Estimate of $1.37 per share. This compares to earnings of $1.73 per share a year ago.

Synchrony (SYF) Lags Q1 Earnings Estimates

STAMFORD, Conn. , April 19, 2023 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its first quarter 2023 results for the period ending March 31, 2023.

Synchrony Reports First Quarter 2023 Results

Synchrony's (SYF) first-quarter results are likely to reflect higher information processing expenses and lower net interest margins.

Can Higher Expenses Affect Synchrony's (SYF) Q1 Earnings?

Synchrony (SYF) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Analysts Estimate Synchrony (SYF) to Report a Decline in Earnings: What to Look Out for

CWH Advisors PatientPay™ research reveals staffing shortages and shrinking margins have providers considering third-party financial partners, prioritizing patient payment experience CONCORD, Mass. , April 6, 2023 /PRNewswire/ -- A recent study published by management consulting firm CWH Advisors and sponsored by CareCredit, a Synchrony (NYSE:SYF) solution, found healthcare providers are expressing significant interest in outsourcing their revenue cycle management (RCM) processes.

Study Finds Healthcare Providers Looking to Outsource Revenue Cycle Management Processes

92% of Employees Say Synchrony is a Great Place to Work Synchrony's People-First Investments Deliver Flexibility, Well-Being and Equity STAMFORD, Conn. , April 4, 2023 /PRNewswire/ -- Synchrony (NYSE: SYF) has advanced to number 20 on the 2023 100 Best Companies to Work For® list in the U.S. by Fortune magazine and Great Place to Work®.

Synchrony Named Number 20 Best Company to Work For in the U.S.

STAMFORD, Conn. , March 29, 2023  /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its first quarter 2023 results on Wednesday, April 19, 2023.

Synchrony to Announce First Quarter 2023 Financial Results on April 19, 2023

More than 80 Percent of Shoppers Expect Hyper-Curated In-Store Experiences by 2030 Retailers Must Find Appropriate Balance of Online and In-Store Experience and Integrated Technologies to Attract Loyal Customers STAMFORD, Conn. , March 27, 2023 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced that its new Future of Shopping study reveals that consumers seek highly personalized experiences that simplify choice and flexibility, where more than 80 percent of shoppers will expect experiences curated just for them by 2030.

Synchrony Study Reveals Future Shoppers Seek Connected, Curated and Convenient Shopping Experiences

Koss

See two of the featured stocks from this month's model portfolios.

The Good And Bad: Synchrony Financial & Koss Corp

Regional bank problems have lowered stock prices across the financial sector. Synchrony Financial has declined over 16% from this and had downward pressure from worsening credit metrics.

Synchrony Financial: Regional Headwinds Overblown, Creating Great Value Opportunity

Synchrony Financial earnings will be lower in 2023 as loan charge-offs return to historical levels. Deposits, mostly from retail customers, make up 80% of the asset base. They are nearly completely FDIC-insured and earn a high interest rate.

Synchrony Financial Preferred Shares On Sale At 10% Yield

Synchrony Financial SYF disclosed Wednesday that over-30 day loan delinquencies and and net charge-offs, or debt owed that was written off, as a percentage of loan receivables for February rose from January and from a year ago, which the consumer financial services company said just reflected the “normalization of credit trends.” The company said loan delinquencies was at 3.9% in February, compared with 3.8% in January and 2.9% a year ago.

Synchrony Financial's February loan delinquencies, net charge-offs rise from last month and from a year ago

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Why Bank Stocks Ranging From Ally Financial to U.S. Bank Are Crashing (Again) Today

Synchrony Financial's (SYF) new Outdoors Credit Card to help solidify its existing position in powersports and make aftermarket purchases for consumers easy and affordable.

Synchrony (SYF) Launches Outdoors Credit Card for Powersports

Synchrony's (SYF) CareCredit is to be The Academy of General Dentistry's exclusive patient financing solution following the extension of their 20-year agreement.

Synchrony (SYF) & AGD Extend Partnership With 20-Year Deal

Gives adventure seekers the ability to purchase powersports accessories, parts, garments, fuel, service and warranties to further enable their passion for the outdoors; New credit card provides Synchrony's more than 5,000 dealer partners across the U.S. with a financial solution to capitalize on a powersports market expected to surpass $131B by 2028 STAMFORD, Conn. , March 8, 2023 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced the new Synchrony Outdoors Credit Card, which is available now to more than 5,000 powersports dealers across the United States.

News for Synchrony Financial Stock (SYF)