Headquartered in Stamford, CT Fiscal year ends December NYSE: SYF synchrony.com
Synchrony Financial (NYSE: SYF) is a consumer financing company that provides private label credit cards, dual cards, co-branded cards, general purpose credit cards, short- and long-term installment loans, and commercial credit products through partnerships with retailers, health and wellness providers, and other businesses across the United States. The company operates through five sales platforms — Home & Auto, Digital, Diversified & Value, Health & Wellness, and Lifestyle — serving tens of millions of active accounts. Synchrony also offers CareCredit, a health and wellness financing solution accepted by hundreds of thousands of providers, and partners with major brands and payment platforms including Venmo and Stripe. The company funds its operations primarily through deposits, which comprise 83% of its total funding, alongside securitized borrowings and unsecured notes. Synchrony is actively investing in agentic commerce capabilities through partnerships with OpenAI and participation in the Personal Agent Protocol initiative, positioning itself at the intersection of AI-driven commerce and consumer finance. Updated
Credit quality is improving at exactly the moment card delinquencies are making headlines: Synchrony's net charge-off rate fell 37 basis points year over year to 4.79%. That marks the sixth straight quarter of topping EPS estimates.
Synchrony reports at 6:00 AM ET carrying a six-quarter beat streak, with consensus at $2.40 EPS. Card delinquencies and the revived late-fee rulemaking both land directly on this lender's earnings power.
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Premarket trading had all three major U.S. stock indexes lower on Wednesday. Regional banks reporting results have not offered a lot of good news.
Monday's top analyst upgrades and downgrades included Alphabet, Bill, Bumble, Dollar General, FedEx, FMC, Jabil Circuit, Microsoft, Nike, Nvidia, Sarepta Therapeutics, Shopify, Synchrony Financial, Warner Bros. Discovery and Zscaler.
Before U.S. markets open on Monday, Baker Hughes and Synchrony Financial are scheduled to report quarterly results.
Friday's top analyst upgrades and downgrades included ADT, Costco Wholesale, CrowdStrike, Gilead Sciences, Liberty Global, Otis Worldwide, PagSeguro Digital, Palo Alto Networks, Salesforce, Sunrun, Synchrony Financial and Zscaler.
Thursday's top analyst upgrades and downgrades included Abbott Laboratories, Biohaven, Edwards Lifesciences, Enphase Energy, Halliburton, Invesco, Liberty Energy, Mattel, Netflix, Permian Resources, Range Resources, Roblox, Synchrony Financial and Visa.
More financial services companies will be reporting quarterly results next week. Here is a look at four set to release earnings reports before U.S. markets open on Monday.
Wednesday's additional top analyst upgrades and downgrades included Bath & Body Works, BioNTech, Caesars, Freeport McMoRan, Gap, Hasbro, and Synchrony Financial.
24/7 Wall St. takes a closer look at a few recent analyst reports on credit card stocks. Considering the recent downturn, one Wall Street analyst sees an incoming recession weighing on these…
Synchrony Financial (NYSE: SYF) is a consumer financing company that provides private label credit cards, dual cards, co-branded cards, general purpose credit cards, short- and long-term installment loans, and commercial credit products through partnerships with retailers, health and wellness providers, and other…
24/7 Wall St.'s 12-month price target for SYF is $95.72, rated Buy. The Wall Street consensus target is $87.54. SYF price prediction →
