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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 Q1 2023

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Earnings data Q1 2024

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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 Financial (SYF) Q4 2023 Earnings Call Transcript

Synchrony Financial posted fourth-quarter results that showed charge-offs increasing as management pointed to credit normalization in the months ahead, and said the firm was also gaining traction in Pay Later options offered at checkout. Supplemental materials released alongside earnings on Tuesday (Jan. 23) indicated that purchase volumes, overall, gained 3% to $49.3 billion.

Synchrony: Resilient Consumers Embrace ‘Pay Later' Options as Credit Trends Normalize

Although the revenue and EPS for Synchrony (SYF) give a sense of how its business performed in the quarter ended December 2023, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Compared to Estimates, Synchrony (SYF) Q4 Earnings: A Look at Key Metrics

Synchrony (SYF) came out with quarterly earnings of $1.03 per share, beating the Zacks Consensus Estimate of $0.96 per share. This compares to earnings of $1.26 per share a year ago.

Synchrony (SYF) Tops Q4 Earnings and Revenue Estimates

STAMFORD, Conn. , Jan. 23, 2024 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its fourth quarter 2023 results for the period ending December 31, 2023.

Synchrony Reports Fourth Quarter 2023 Results

In an age where consumers are grappling with ways to manage debt, but also finance the purchases they need, point-of-sale financing is gaining ground. To that end, and as announced last week, Synchrony will acquire Ally Financial's point-of-sale financing arm.

Synchrony's POS Acquisition Underscores Paying Over Time's Appeal Beyond the Cards

Synchrony's (SYF) pending acquisition of Ally's point-of-sale financing business is likely to help it expand in home improvement and healthcare financing.

Synchrony (SYF) to Buy Ally Financial's Point-of-Sale Business

Ally Financial

Synchrony and Ally Financial have reached a definitive agreement for Synchrony to acquire Ally's point-of-sale financing business.  This acquisition includes $2.2 billion of loan receivables and relationships with 2,500 merchant locations and 450,000 active borrowers, the companies said in a Friday (Jan. 19) press release.

Synchrony to Acquire Ally Financial's POS Financing Arm

Synchrony (SYF) is testing the feasibility of a browser extension in a bid to make online checkouts safer and, subsequently, generate higher sales from its cardholders.

Synchrony (SYF) Opts for Tech Investment to Ease Online Checkouts

Ally Financial Inc.'s stock was up nearly 10% during the trading session on Friday — its best one-day rise in nearly a year — after the bank's earnings beat Wall Street estimates and the bank agreed to sell its point-of-sale financing business to Synchrony Financial.

Ally's stock rallies after earnings beat and deal with Synchrony

Synchrony's (SYF) fourth-quarter results are likely to reflect rising total purchase volumes and lower net interest margins.

Can Higher Expenses Affect Synchrony's (SYF) Q4 Earnings?

Besides Wall Street's top -and-bottom-line estimates for Synchrony (SYF), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended December 2023.

Unveiling Synchrony (SYF) Q4 Outlook: Wall Street Estimates for Key Metrics

Trial With Synchrony General Purpose Credit Cards to Test Viability of Browser Extension STAMFORD, Conn. , Jan. 17, 2024 /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer finance company, has announced that it is testing a browser extension that automatically prompts cardholders during the checkout process to use a Synchrony credit card and provides a virtual card for that purchase.

Synchrony Browser Extension Aims to Drive Faster, Easier, and More Secure Online Checkout with Synchrony Cards

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.

Earnings Preview: Synchrony (SYF) Q4 Earnings Expected to Decline

Enstar Group

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Smart money is moving out of cash equivalents. Fixed income remains deeply discounted, despite equity valuation creep. We discuss quality preferred shares with up to 8.2% yields to put your cash to work meaningfully.

Franklin Templeton Says Get Out Of Cash: Buy Fixed Income Now!

Synchrony (SYF) renews its deal with The Good Feet Store for providing flexible financing options, thereby encouraging customers to purchase more personalized arch supports from the latter.

Synchrony (SYF) Strengthens Ties to Offer Improved Health Care

Synchrony (SYF) partners with Destination Pet to offer financing solutions to pet owners through its CareCredit card.

Synchrony (SYF) Expands CareCredit Offering With Destination Pet

Synchrony's CareCredit Ensures The Good Feet Store Has the Support It Needs to Drive Sales and Provide Financing Options to Customers STAMFORD, Conn. , Jan. 10, 2024 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced a multi-year partnership renewal with The Good Feet Store, a market-leading manufacturer and retailer of premium, personally fitted arch supports.

Synchrony and The Good Feet Store Extend Financing Partnership

Destination Pet Selects CareCredit as its Financing Solution for all Locations Nationwide For the First Time, CareCredit to Offer Financing for Service Packages Versus Single Services STAMFORD, Conn. , Jan. 9, 2024 /PRNewswire/ -- As part of an effort to expand deeper into the pet market, Synchrony (NYSE: SYF), a leading consumer finance company, today announced a multi-year agreement with Destination Pet, a premier provider of veterinary care and pet services, to offer its CareCredit health and wellness credit card as the "first look" financing solution at all Destination Pet locations nationwide, now including pet resorts.

Synchrony Expands into Pet Resorts with CareCredit Offering at Destination Pet

Bank of America

JPMorgan Chase & Co

Several consumer lending stocks have been bright spots in the financial sector with Ally Financial (ALLY) and Synchrony Financial (SYF) standing out in particular.

Time to Buy Ally or Synchrony Financial Stock for Higher Highs?

Synchrony's (SYF) product innovations, partnerships and rising purchase volumes poise it well for growth.

Why You Should Hold Synchrony (SYF) Stock in Your Portfolio

STAMFORD, Conn. , Jan. 2, 2024 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its fourth quarter 2023 results on Tuesday, January 23, 2024.

Synchrony to Announce Fourth Quarter 2023 Financial Results on January 23, 2024

Apple

American Express

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Goldman Sachs

While Goldman Sachs Group Inc. has drawn criticism from inside the bank and elsewhere for retreating from its consumer banking business, Odeon Capital banking analyst Richard Bove said the marquee investment bank may be better off without it.

Here's why analyst Richard Bove thinks the return of ‘the Goldman Sachs of old' is the right move

Synchrony (SYF) is expected to promote HABRI's science-based education within CareCredit's extensive veterinary network.

Synchrony (SYF) & HABRI Join Forces to Boost Human-Animal Bond

Company Earns 100 on Human Rights Campaign Foundation's Assessment of LGBTQ+ Workplace Equality for Eight Consecutive Years Synchrony Recognized as a Leader in LGBTQ+ Workplace Inclusion STAMFORD, Conn. , Nov. 30, 2023 /PRNewswire/ -- Synchrony, a premier consumer financial services company, today announced it has received a perfect score of 100 on the Human Rights Campaign Foundation's 2023-2024 Corporate Equality Index (CEI), the nation's foremost benchmarking survey and report measuring corporate policies and practices related to LGBTQ+ workplace equality.

News for Synchrony Financial Stock (SYF)