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.

SYF is set to give its latest quarterly earnings report on Tuesday, 2021-10-19. Here's what investors need to know before the announcement.

Earnings Preview: Synchrony Finl

Synchrony Financial (SYF) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.

Why Synchrony Financial (SYF) Might Surprise This Earnings Season

There is a time lag between rising consumer spending and when this leads to asset growth and profitability for the consumer finance industry. Synchrony Financial benefits from a low cost-to-income ratio - just 37.8% in H1 2021.

Fundamentals Look Promising For Synchrony Financial

Synchrony Financial's (SYF) third-quarter results are likely to reflect higher revenues and better purchase volumes.

What's in Store for Synchrony Financial's (SYF) Q3 Earnings?

Fiserv

Synchrony has expanded its partnership with the financial services provider Fiserv with a new arrangement that lets small businesses access Synchrony's products and services and accept credit card payments via Fiserv's Clover. The two companies announced the partnership on Thursday (Oct. 14), noting that it's the first time private-label credit cards will be accepted on […]

Synchrony, Fiserv Expand Partnership to Offer Clover

Synchrony And Fiserv Expand Strategic Partnership With Payment Options For Merchants And Their Customers Via Clover

American Express

SYF vs. AXP: Which Stock Is the Better Value Option?

SYF or AXP: Which Is the Better Value Stock Right Now?

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.

Are Investors Undervaluing Synchrony (SYF) Right Now?

Is it a good or bad thing when a stock surpasses resistance at the 50-day simple moving average?

Synchrony (SYF) Just Overtook the 50-Day Moving Average

STAMFORD, Conn., Oct. 4, 2021 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced the Latinx Executive Alliance, a coalition of C-suite executives and business leaders from different companies, industries and sectors, dedicated to collectively helping Latinx employees advance in corporate America.

Synchrony Launches Latinx Executive Alliance, A Coalition Dedicated To Advancing Latinx Talent In Corporate America

STAMFORD, Conn., Sept. 23, 2021 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its third quarter 2021 results on Tuesday, October 19, 2021.

Synchrony to Announce Third Quarter 2021 Financial Results on October 19, 2021

Synchrony Financial's (SYF) unit integrates into Meevo 2 business management software to provide better financing choices, reduce human errors, and save time and effort for spas and salons.

Synchrony Financial's (SYF) Arm to Provide Financing Options

Equifax

Callaway Golf

Leslie's

The Wall Street firms that we cover are starting to agree that, while the future may still be bright for the U.S.

4 Outstanding Analyst Growth Stock Picks Should Outperform Even If Market Sells Off

Synchrony's (SYF) unit, Pets Best, partners with PEMCO, in a bid to offer diversified pet insurance coverage options to the latter's customers and address pet care costs.

Synchrony (SYF) Unit Ties Up to Offer Enhanced Pet Coverage

SEATTLE & BOISE, Idaho--(BUSINESS WIRE)--Today, as part of National Pet Health Insurance Awareness Month, PEMCO Mutual Insurance announced that it will now offer pet insurance to all its customers through a new partnership with Pets Best Insurance Services, LLC, a Synchrony (NYSE: SYF) company. The addition of Pets Best Pet Insurance means PEMCO policyholders will now be able to choose the pet coverage that best fits their pets' needs, get treatment from any veterinarian of their choice and hav

PEMCO Partners with Pets Best Pet Insurance to Offer Pet Coverage

Synchrony Financial (SYF) strengthens relationship with Rollick to provide consumer financing options.

Synchrony Financial (SYF) Extends Relationship With Rollick

STAMFORD, Conn., Sept. 1, 2021 /PRNewswire/ -- As previously announced, Synchrony (NYSE: SYF) will host an Investor Day on Thursday, September 9, 2021 via live video stream.

Synchrony to Host Investor Day

AUSTIN, Texas and STAMFORD, Conn., Sept. 1, 2021 /PRNewswire/ -- Rollick Inc., the leading relationship marketing technology provider for Marine, Powersports, and RV dealers and manufacturers, today announced an expanded partnership with Synchrony (NYSE: SYF), a premier consumer financial services company.

Rollick and Synchrony Expand Powersports Financing Partnership Nationwide

STAMFORD, Conn., Aug. 27, 2021 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) announced today that it received notice of an unsolicited "mini-tender" offer by TRC Capital Corporation (TRC) to purchase up to 2.5 million shares of Synchrony's common stock at a price of $47.00 per share in cash.

Synchrony Recommends Shareholders Reject "Mini-Tender" Offer by TRC Capital Corporation

Argan

Capital One

MarineMax

Taylor Morrison Home

If you were invisible, the perfect industrial spy, you could lurk in a company's headquarters and watch every dollar coming in and going out.

5 Stocks That Look Good Based on Cash Flow

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

Why Is Synchrony (SYF) Up 6% Since Last Earnings Report?

Bank of America

Citigroup

Discover

JPMorgan Chase & Co

Card issuers - JPMorgan (JPM), BofA (BAC), Capital One (COF), Citi (C), Synchrony Financial (SYF), Discover Financial (DFS) & American Express (AXP) - record robust credit card metric performance in July.

Banks Record Solid July Credit Card Data on Fiscal Aid, Liquidity

Walgreens

Synchrony Financial (SYF) bank offers exclusive cards for Walgreens with lucrative rewards and a wide array of wellbeing choices.

Synchrony Financial's (SYF) Bank Issues Cards for Walgreens

Walgreens' partnership with Synchrony includes a co-branded Mastercard and a private-label store card.

Walgreens launches credit card program in partnership with Synchrony

DEERFIELD, Ill. & STAMFORD, Conn.--(BUSINESS WIRE)--Walgreens (Nasdaq: WBA) today introduced the new myWalgreens Credit Card program, featuring two industry-first retail health and wellness credit cards, issued by Synchrony Bank (NYSE: SYF). The myWalgreens Mastercard and the myWalgreens Credit Card are the first ever of their kind to reward more personalized wellbeing choices and offer industry-leading rewards at more than 9,000 Walgreens locations, Walgreens.com, Duane Reade stores, via the W

News for Synchrony Financial Stock (SYF)