Revenue segments as reported by the company.

Interest income

Interest expense

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

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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

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Year over year growth in Revenue and Operating Expenses.

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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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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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September is a historically challenging month for equity markets. Upcoming events on the economic calendar, inflation hysteria, and the November election could amplify the seasonal volatility in markets. SA Quant has identified 10 top “Strong Buy” Quant-rated stocks backed by positive factor grades that could be an opportunity to purchase on the dip during the September pullback. Consider SA's Quant Rating System, which offers powerful analytics to draw on stocks that are collectively attractive on valuation, growth, profitability, earnings strength, and relative momentum.

Fall Into Profits: Top 10 Stocks For A September Dip

STAMFORD, Conn. , Sept. 3, 2024 /PRNewswire/ -- Synchrony (NYSE: SYF) Chief Financial Officer, Brian J.

Synchrony to Participate in the Barclays Global Financial Services Conference

SYF is expected to gain from rising net interest income, improving delinquencies and higher average account balances.

Here's Why You Should Hold Synchrony Financial Stock in Your Portfolio

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In recent weeks, investors have grappled with mixed economic signals and uncertainty around potential rate cuts that have impacted markets. A cycle of monetary easing could benefit dividend-paying stocks, as investors seek yield in a lower-rate environment. SA Quant identified three dividend stocks with solid financials and strong dividend profiles, alongside other favorable factor grades that make them well positioned for a shift in the monetary regime.

Top 3 Dividend Stocks Primed For A Fed Rate Cut

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American Express Faces Growth Challenges, Synchrony and Capital One Emerge As Potential Alternatives: BofA Analyst

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

Why Is Synchrony (SYF) Down 9.7% Since Last Earnings Report?

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Strong Business Results, Top Global Employer Recognition, and Leading Portfolio of Partner Brands Reflect Synchrony's Central Role in Driving Economic Growth a Decade After IPO Celebrates with Additional $1 Million in Grants to Nonprofits Globally through Employee-Directed Program STAMFORD, Conn. , July 31, 2024 /PRNewswire/ -- Synchrony (NYSE: SYF), a leading financing partner for many of America's most iconic brands, is celebrating 10 years as a publicly traded company.

Synchrony Marks a Decade of Impact by Championing Responsible Access to Credit for Americans

Synchrony Financial SYF reported better-than-expected second-quarter results on Wednesday.

These Analysts Revise Their Forecasts On Synchrony Financial Following Q2 Results

Synchrony Financial stock is valued cheaper than peers even near all-time highs. P/E is below peers despite better profitability metrics. Consumer spending is starting to slow, but loan balances and interest income are still growing. Late payment rates appear to have peaked. Synchrony's common stock remains a Buy. The preferred shares offer safe dividends for more risk-averse investors. Series A is the better preferred to own when rates are falling.

Synchrony Financial: Not Too Expensive Yet

NEW YORK , July 18, 2024 /PRNewswire/ -- New York-based Coast, which offers a simple and smart way for companies in the United States to manage fuel and fleet spending, today announced it has raised $40 million in new Series B financing, led by ICONIQ Growth. The round included participation from existing investors Accel, Insight Partners, Vesey Ventures, and Avid Ventures, as well as new investors Thomvest.

Coast Raises $40 Million Series B to Accelerate Adoption of Modern Fleet Payments

New Partnership Will Support Independent Vet Practices with Flexible Financing Options and Administrative Resources STAMFORD, Conn. , July 18, 2024 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer finance company, has announced that its CareCredit health and wellness credit card will now be the preferred financing option for members of The Veterinary Cooperative (TVC), a positive cooperative community of veterinarians and suppliers who share a vision to provide the best animal care through independent veterinary practices.

Synchrony's CareCredit Selected as Preferred Financing Solution for The Veterinary Cooperative

U.S. stocks traded mixed toward the end of trading, with the S&P 500 falling over 1% on Wednesday.

Dow Jumps 200 Points; Synchrony Financial Posts Upbeat Earnings

For the second half of the year, Synchrony (SYF) expects purchase volumes to decrease flat to low single digit from the year-ago period due to credit actions and softening consumer demand.

Synchrony (SYF) Q2 Earnings Beat Estimates on Expense Management

Synchrony Financial (NYSE:SYF ) Q2 2024 Earnings Conference Call July 17, 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 Mihir Bhatia - Bank of America Terry Ma - Barclays Mark DeVries - Deutsche Bank Moshe Orenbuch - TD Cowen Ryan Nash - Goldman Sachs Sanjay Sakhrani - KBW Rick Shane - JPMorgan Bill Carcache - Wolfe Research Dave Rochester - Compass Point John Hecht - Jefferies Don Fandetti - Wells Fargo Operator Good morning and welcome to the Synchrony Financial Second Quarter 2024 Earnings Conference Call. Please refer to the company's Investor Relations website for access to their earnings materials.

Synchrony Financial (SYF) Q2 2024 Earnings Call Transcript

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U.S. lenders' second-quarter profits were squeezed by dampening loan demand and the high interest they paid to hold on to deposits, but a flurry of bond sales boosted their investment banking units.

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

Synchrony (SYF) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

Synchrony (SYF) came out with quarterly earnings of $1.55 per share, beating the Zacks Consensus Estimate of $1.35 per share. This compares to earnings of $1.32 per share a year ago.

Synchrony (SYF) Beats Q2 Earnings Estimates

STAMFORD, Conn. , July 17, 2024 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its second quarter 2024 results for the period ending June 30, 2024.

Synchrony Reports Second Quarter 2024 Results

Synchrony's (SYF) second-quarter results are likely to reflect rising purchase volumes but lower interest margins.

Can Synchrony (SYF) Navigate Rising Costs in Q2 Earnings?

Looking beyond Wall Street's top -and-bottom-line estimate forecasts for Synchrony (SYF), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended June 2024.

Unlocking Q2 Potential of Synchrony (SYF): Exploring Wall Street Estimates for Key Metrics

Synchrony (SYF) possesses 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) Expected to Beat Earnings Estimates: Can the Stock Move Higher?

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It is always a good idea to look for stocks that are set up for outperformance in the near future.

News for Synchrony Financial Stock (SYF)