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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.

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Earnings data Q4 2022

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Earnings data Q2 2023

Earnings data Q3 2023

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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.

Synchrony (SYF) could be a great choice for investors looking to buy stocks that have gained strong momentum recently but are still trading at reasonable prices. It is one of the several stocks that made it through our 'Fast-Paced Momentum at a Bargain' screen.

Why Fast-paced Mover Synchrony (SYF) Is a Great Choice for Value Investors

Synchrony Financial SYF reported better-than-expected third-quarter financial results and raised its FY24 EPS guidance above estimates on Wednesday.

Synchrony Financial Analysts Boost Their Forecasts Following Upbeat Q3 Earnings

Synchrony Financial shares hit new highs, surpassing $55, driven by improved market sentiment about consumer health and strong quarterly results. The company beat expectations on net interest margin and non-interest expenses, despite slower purchase volumes and slight increases in delinquencies. Loan balances and net interest margin are growing, helped by proactive measures increasing fees and rates ahead of a proposed late fee cap.

Synchrony Financial: Still Not Too Expensive At All Time Highs

SYF expects net interest income to remain flat sequentially in the fourth quarter of 2024.

Synchrony Shines in Q3: Expense Management Drives Earnings Beat

Synchrony Financial (NYSE:SYF ) Q3 2024 Earnings Conference Call October 16, 2024 8:00 AM ET Company Participants Kathryn Miller - SVP of IR Brian Doubles - President and CEO Brian Wenzel - EVP and CFO Conference Call Participants Ryan Nash - Goldman Sachs Terry Ma - Barclays Don Fandetti - Wells Fargo Moshe Orenbuch - TD Cowen Sanjay Sakhrani - KBW Mihir Bhatia - Bank of America Mark DeVries - Deutsche Bank John Hecht - Jefferies Jeff Adelson - Morgan Stanley Rick Shane - JPMorgan Operator Good morning and welcome to the Synchrony Financial Third Quarter 2024 Earnings Conference Call. Please refer to the Company's Investor Relations website for access to their earnings materials.

Synchrony Financial (SYF) Q3 2024 Earnings Call Transcript

Although the revenue and EPS for Synchrony (SYF) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Synchrony (SYF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Synchrony (SYF) came out with quarterly earnings of $1.94 per share, beating the Zacks Consensus Estimate of $1.77 per share. This compares to earnings of $1.48 per share a year ago.

Synchrony (SYF) Surpasses Q3 Earnings and Revenue Estimates

STAMFORD, Conn. , Oct. 16, 2024 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its third quarter 2024 results for the period ending September 30, 2024.

Synchrony Reports Third Quarter 2024 Results

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SYF is expected to have been impacted by lower purchase volumes and deteriorating net interest margins.

Can Synchrony Navigate Lower Purchase Volume in Q3 Earnings?

Beyond analysts' top -and-bottom-line estimates for Synchrony (SYF), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended September 2024.

Gear Up for Synchrony (SYF) Q3 Earnings: Wall Street Estimates for Key Metrics

SYF's recent launch of an innovative integration between CareCredit and Pets Best insurance is aimed at simplifying the pet care payment process for pet parents.

Synchrony Streamlines Pet Care Payments With CareCredit Integration

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.

Synchrony (SYF) Reports Next Week: Wall Street Expects Earnings Growth

The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.

Why Synchrony (SYF) is a Top Value Stock for the Long-Term

Industry innovation means CareCredit and Pets Best Pet Insurance work seamlessly together to provide pet parents with easy and flexible financial solution New reimbursement process to scale to additional IPH insurers in coming months STAMFORD, Conn. , Oct. 9, 2024 /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer financing company, today announced the launch of a first-of-its-kind payment experience for pet parents.

Synchrony Introduces First-of-its-Kind Technology Connecting Pet Insurance and CareCredit, Simplifying Pet Care Payment Process

SYF is well-poised for growth due to its expanding partnerships and loan receivables portfolio.

Here's Why You Should Retain Synchrony Financial Stock Now

SYF's partnership with PSIvet would expand payment options for pet owners and its CareCredit network.

Synchrony Partners With PSIvet, Expands CareCredit Offering

CareCredit Named Preferred Financing Solution  for PSIvet Members, Extending Access to Convenient Financing Options  STAMFORD, Conn. , Oct. 1, 2024 /PRNewswire/ --  Synchrony  (NYSE: SYF), a premier consumer finance company, is a strong supporter of independent veterinary practices and their roles in the communities they serve.

Synchrony Continues Commitment to Supporting Independent Veterinary Practices Through Partnership with PSIvet

SYF renews its long-term partnership with DICK'S Sporting Goods, enhancing the ScoreRewards Credit Card program and driving growth in the retail finance sector.

Synchrony and DICK'S Sporting Goods Extend Partnership to Boost Growth

Dick's Sporting Goods

With This Multi-Year Deal Extension, The Companies Will Continue To Provide  Innovative Financial Solutions for Athletes STAMFORD, Conn. and PITTSBURGH , Sept.

Synchrony and DICK'S Sporting Goods Extend Partnership

STAMFORD, Conn., Sept. 25, 2024 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its third quarter 2024 results on Wednesday, October 16, 2024.

Synchrony to Announce Third Quarter 2024 Financial Results on October 16, 2024

SYF and Albertsons Companies collaborate to offer CareCredit as a financing option at nearly 2,200 stores.

Synchrony Expands CareCredit Network With Albertsons Companies

CareCredit health and wellness credit card to be accepted at Albertsons Cos. stores for health and wellness products STAMFORD, Conn.

Synchrony's CareCredit Network Expands to First-Ever Major Grocery Store Chain Collaboration With Albertsons Companies

Seasoned executive deepens financial, risk and strategic expertise STAMFORD, Conn. , Sept. 17, 2024 /PRNewswire/ -- Synchrony Financial (NYSE: SYF), a premier consumer financial services company, today announced Daniel Colao, a retired financial services executive with over 30 years of industry experience, has been appointed to Synchrony's Board of Directors, effective October 1, 2024.

Synchrony Names Dan Colao to Board of Directors

Synchrony Financial has doubled in value since 2016, benefiting from a favorable consumer lending environment and initiating dividends, making it a strong value investment. The company maintains a solid financial position with a price/book ratio of 1.20 and a P/E ratio of 7.94, indicating value potential. Key risks include intense competition, reliance on US consumer credit, and the need to manage credit risks and maintain retailer partnerships.

News for Synchrony Financial Stock (SYF)