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

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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.

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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

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Earnings data Q1 2023

Earnings data Q2 2023

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Earnings data Q1 2024

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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.

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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.

STAMFORD, Conn. , Sept. 19, 2022 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its third quarter 2022 results on Tuesday, October 25, 2022.

Synchrony to Announce Third Quarter 2022 Financial Results on October 25, 2022

Synchrony Financial on Monday (Sept. 12) reported a rate of credit card delinquencies as a percentage of receivables of 3.1% for August, the highest level in at least a year, in a filing with the Securities and Exchange Commission.

Synchrony Financial Credit Card Deliquency Rate Up to 3.1% in August

Synchrony Financial (SYF) strengthens bond with Sleep Number for consumer payment choice upgrades and the extension of diversified financing options to its customers.

Synchrony (SYF) Renews Tie-Up to Pursue Technology Investments

STAMFORD, Conn. , Sept. 2, 2022 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced Will Graylin has resigned from its Board of Directors.

Synchrony Announces Resignation of Will Graylin from Board of Directors

Sleep Number

Building on a nearly 20-year relationship, the companies will leverage advanced insights and technology to drive consumer demand and growth MINNEAPOLIS and STAMFORD, Conn. , Sept. 1, 2022 /PRNewswire/ -- Synchrony (NYSE: SYF) and Sleep Number (Nasdaq: SNBR) announced that they have renewed their longtime financing partnership, which includes new joint investments from both industry leaders.

Sleep Number and Synchrony Renew Long-Term Partnership to Deliver Next Level Customer Experience

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The ATW deal enables Synchrony (SYF) to provide flexible financing options that incorporate up to 84-month loan terms and competitive interest rates.

Synchrony (SYF) to Offer Financing Solutions to ATW Customers

Synchrony (SYF) reported earnings 30 days ago. What's next for the stock?

Synchrony (SYF) Up 9.6% Since Last Earnings Report: Can It Continue?

First-of-its-kind program designed to streamline and simplify consumers' ability to purchase consumer grade trailers and truck equipment STAMFORD, Conn. and ADDISON, Texas , Aug. 17, 2022 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, and American Trailer World (ATW), North America's leading manufacturer, distributor and retailer of professional and consumer grade trailers and truck beds, announce a new financing program.

Synchrony Named Provider of Promotional Financing for American Trailer World in New Strategic Partnership

Ally Financial

It may be a toss-up if you're choosing between Ally's and Synchrony's savings accounts, but Ally will be your clear winner for a checking account.

Ally vs. Synchrony: Which online bank is right for you?

The store-card lender saw a big increase in net interest income.

Why Synchrony's Stock Price Soared 21.1% in July

Synchrony named as a 'Best Place to Work for Disability Inclusion' STAMFORD, Conn. , July 20, 2022 /PRNewswire/ -- Today, Synchrony (NYSE: SYF) announced that for the sixth consecutive year, the company has earned a top score in the 2022 Disability Equality Index (DEI) and named a "Best Place to Work for Disability Inclusion.

2022 Disability Equality Index Awards Synchrony Top Score for Sixth Consecutive Year

Synchrony's purchase volume and loan balances are growing faster than inflation. Delinquencies and charge-offs are still low. The stock is trading at an absurdly low P/E of 5.5 times my estimate of 2022 earnings, which even includes additional loan loss reserve builds.

Synchrony Financial: The Consumer Is Still Spending

The company's eighth annual event advances culture of equity, diversity, inclusion and well-being for all Hundreds of employees volunteer time and talent, give back to local communities  STAMFORD, Conn. , July 19, 2022 /PRNewswire/ -- This week, Synchrony launched its three-day Global Diversity Experience, an annual event for all employees, leaders and members of Synchrony's Board of Directors to deepen understanding and make measurable progress on equity, diversity and inclusion goals while advancing a culture of belonging and well-being for all.

Synchrony Convenes Employees for Three-Day Global Diversity Experience

Synchrony Financial (SYF) expects more than 10% loan receivables growth for 2022 due to underlying trends of payment rates and purchase volume strength.

Synchrony Financial (SYF) Q2 Earnings Beat on Purchase Volume

Synchrony Financial (NYSE:SYF ) Q2 2022 Results Conference Call July 18, 2022 8:00 AM ET Company Participants Kathryn Miller - Senior Vice President, Investor Relations Brian Doubles - President and Chief Executive Officer Brian Wenzel - Executive Vice President and Chief Financial Officer Conference Call Participants Ryan Nash - Goldman Sachs Moshe Orenbuch - Credit Suisse Betsy Graseck - Morgan Stanley John Pancari - Evercore ISI Sanjay Sakhrani - KBW Mihir Bhatia - Bank of America Brian Foran - Autonomous Research Kevin Barker - Piper Sandler Mark DeVries - Barclays Operator Welcome to the Synchrony Financial Second Quarter 2022 Earnings Conference Call. My name is Vanessa, and I will be your operator for today's call.

Synchrony Financial (SYF) CEO Brian Doubles on Q2 2022 Results - Earnings Call Transcript

Synchrony (SYF) delivered earnings and revenue surprises of 11.89% and 3.32%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?

Synchrony (SYF) Q2 Earnings and Revenues Beat Estimates

The credit-card stock beat analyst estimates but profits were lower in the quarter compared with the same period the previous year.

Synchrony Financial Stock Jumps After Beating Earnings Estimate

STAMFORD, Conn. , July 18, 2022 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its second quarter 2022 results for the period ending June 30, 2022.

Synchrony Reports Second Quarter 2022 Results

Fiserv

Consumer financing company Synchrony has launched Synchrony SetPay pay in 4, an installment payment option for merchants, according to a Thursday (July 14) press release.

Synchrony, Fiserv Team to Offer BNPL

Synchrony and Fiserv collaboration gives small businesses ability to expand customer base with more financing options ; Synchrony SetPay complements other Synchrony financing products STAMFORD, Conn. , July 14, 2022 /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer financing company, today announced that merchants will now be able to offer a short-term, no interest installment option, Synchrony SetPay pay in 4, via the Clover® point-of-sale and business management system from Fiserv, Inc. This buy now, pay later (BNPL) offering will further expand the reach of Synchrony's innovative payments and financing options and enable select merchants that use Clover to accelerate growth while providing more choice and flexibility for consumers – especially at the point of sale.

"PAY WITH SYNCHRONY" APP LAUNCHES AS FIRST COMBINED PRIVATE LABEL AND BNPL FINANCING SOLUTION AVAILABLE FOR SMALL BUSINESS VIA CLOVER®

Synchrony Financial's (SYF) second-quarter results are likely to benefit from higher net interest income and better purchase volumes, partly offset by elevated technology investments.

What's in Store for Synchrony Financial's (SYF) Q2 Earnings?

Bank of America

Goldman Sachs

Charles Schwab

The three major U.S. equity indexes closed lower for a third straight session Wednesday.

Earnings Previews: Bank of America, Charles Schwab, Goldman Sachs, Synchrony

Citizens Financial Group

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Five large-cap companies will report second-quarter 2022 earnings results next week. These are: SYF, JNJ, JBHT, TFC and CFG.

5 Large-Cap Stocks Likely to Gain on Q2 Earnings Next Week

Synchrony (SYF) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

News for Synchrony Financial Stock (SYF)