Revenue segments as reported by the company.

Interest income

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

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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.

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.

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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.

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The forty largest banks in the U.S. saw their stock prices appreciate by 34% on average YTD 2021, eclipsing the 25% price gain for the S&P. Bank analysts are bullish for 2022, looking for an average price gain of 18% for the 40 banks.

Bank Analysts' Top 2022 Picks, 2021 Analyst Report Card, My Thoughts On 2022

Synchrony Financial's (SYF) new stock buyback program suggests its commitment toward delivering a long-term shareholder value and reflects the firm's confidence in its financial position.

Synchrony Financial (SYF) Ups Buyback to Add Shareholder Value

Synchrony Financial (SYF) makes an investment in Skipify for adopting the "Instant Checkout" technology, thus providing better shopping experiences.

Synchrony Financial (SYF) Invests in Skipify for Digital Commerce

STAMFORD, Conn. , Dec. 15, 2021 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) (the "Company") announced today that its Board of Directors has increased the Company's share repurchase authorization by $1.0 billion.

Synchrony Announces $1 Billion Increase in Share Repurchase Authority

SAN FRANCISCO and STAMFORD, Conn., Dec. 15, 2021 /PRNewswire/ -- Synchrony, a leading consumer financial services company, today announced a strategic investment in Skipify – a digital payments company that enables merchants to offer an instant, one-tap checkout solution.

Synchrony Invests in Skipify to Transform Digital Commerce

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Wells Fargo

Morgan Stanley on Monday boosted ratings on five banks and issued bullish comments on others, saying the sector was the most likely to outperform when interest rates rise.

The Ratings Game: Morgan Stanley boosts ratings on banks ahead of expected interest rate hikes

STAMFORD, Conn., Nov. 29, 2021 /PRNewswire/ -- Synchrony (NYSE: SYF) President and Chief Executive Officer, Brian D.

Synchrony to Participate in the Goldman Sachs US Financial Services Conference

Synchrony's (SYF) deal with Home Chef is set to increase its GiftNow platform's utilization, in turn helping it generate more cash.

Synchrony (SYF) GiftNow to Aid Home Chef Digital Gift Program

STAMFORD, Conn., Nov. 22, 2021 /PRNewswire/ -- Peet's Coffee®  is making its roasted-to-order coffees available for personalized digital gifting with the gift experience management platform GiftNow, a Synchrony solution.

GiftNow Partners with Peet's Coffee to Make it Easier to Give the Gifts They'll Love This Season

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

Why Is Synchrony (SYF) Down 6.5% Since Last Earnings Report?

STAMFORD, Conn., Nov. 16, 2021 /PRNewswire/ -- A new Coresight Research study on American shopping trends for the holidays, Unpacking Holiday Gifting: Shoppers' Plans and Retail Opportunities, found an increased focus on e-commerce and a longer holiday shopping season for 2021—trends that the research firm expects to continue into 2022 and beyond.

Unpacking Holiday Gifting: Coresight Research Study Reveals Digital Gift Shopping Challenges and Untapped Opportunities for Retailers and Brands

STAMFORD, Conn., Nov. 4, 2021 /PRNewswire/ -- Synchrony (NYSE: SYF), together with Connecticut non-profits District Arts & Education (DAE), the University of Connecticut's Engineering Ambassadors and Future5, today announced a first-of-its kind program in Stamford to equip high school students from underrepresented backgrounds with digital and software skills.

Synchrony Launches First-of-Its-Kind Program in Stamford to Prepare Underserved Youth for the Digital Economy

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Should Value Investors Buy Synchrony (SYF) Stock?

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STAMFORD, Conn., Oct. 28, 2021 /PRNewswire/ -- Synchrony (NYSE: SYF) Executive Vice President and Chief Financial Officer, Brian J.

Synchrony to Participate in the Bank of America Merrill Lynch Banking and Financials Conference

Synchrony Financial (SYF) has been struggling lately, but the selling pressure may be coming to an end soon.

Synchrony Financial (SYF) Sees Hammer Chart Pattern: Time to Buy?

Prime Healthcare Partners with Synchrony to Provide More Healthcare Financing Options to Patients

Synchrony (SYF) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

Synchrony (SYF) Hits 52-Week High, Can the Run Continue?

On Tuesday, Synchrony Financial (NYSE:SYF) shares edged higher by 1.33% after announcing its most recent quarterly results. The company reported its fiscal third-quarter earnings before markets opened beating expectations.

Is it time to buy or sell Synchrony Financial after missing Q3 revenue estimates?

Synchrony (SYF) delivered earnings and revenue surprises of 12.08% and 2.60%, respectively, for the quarter ended September 2021. Do the numbers hold clues to what lies ahead for the stock?

Synchrony (SYF) Q3 Earnings and Revenues Top Estimates

Synchrony Financial's (SYF) third-quarter results benefit on the back of improved purchase volume and reduced expenses.

Synchrony Financial's (SYF) Q3 Earnings Beat Estimates, Up Y/Y

Synchrony Financial (SYF) CEO Brian Doubles on Q3 2021 Results - Earnings Call Transcript

STAMFORD, Conn., Oct. 19, 2021 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its third quarter 2021 results for the period ending September 30, 2021.

Synchrony Reports Third Quarter 2021 Results

Fiserv

Synchrony Financial (SYF) lengthens partnership with Fiserv to help small business houses. Merchants can now use the company's products and financing options through the Clover platform.

News for Synchrony Financial Stock (SYF)