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

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Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

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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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Minority interest

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Change in working capital

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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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Synchrony has held profitably through the pandemic despite being a retail card-based bank. Since the height of COVID, the bank has been seeing continually improved results in financials and credit metrics.

Synchrony Financial Continues To See Credit Metrics Improve

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Synchrony Financial's (SYF) CEO Brian Doubles on Q1 2021 Results - Earnings Call Transcript

Synchrony Financial's (SYF) first-quarter earnings gain from lower expenses and better other income, offset by lower loan receivables as well as net interest income.

Synchrony Financial's (SYF) Q1 Earnings Beat, Surge Y/Y

Synchrony (SYF) delivered earnings and revenue surprises of 15.33% and -4.37%, respectively, for the quarter ended March 2021. Do the numbers hold clues to what lies ahead for the stock?

Synchrony (SYF) Beats Q1 Earnings Estimates

Shares of Synchrony Finl (NYSE:SYF) remained unaffected after the company reported Q1 results. Quarterly Results Earnings per share were up 284.44% over the past year to $1.73, which beat the estimate of $1.38.

Recap: Synchrony Financial Q1 Earnings

STAMFORD, Conn., April 27, 2021 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced first quarter 2021 earnings results amid the continuing Coronavirus (COVID-19) pandemic.

Synchrony Reports First Quarter Net Earnings of $1.0 Billion or $1.73 Per Diluted Share

Synchrony Financial's (SYF) Q1 earnings are expected to have gained from lower costs, partly offset by weak interest and fees on loans.

What's in Store for Synchrony Financial's (SYF) Q1 Earnings?

Synchrony Financial (SYF) announces achievements made by its Synchrony Car Care financial services program in the past four years.

Synchrony Financial's (SYF) CarCare Hits Major Miliestones

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STAMFORD, Conn., April 19, 2021 /PRNewswire/ -- In conjunction with the company's fourth anniversary of the Synchrony Car Care TM launch, Synchrony (NYSE: SYF), a premier consumer financial services company, today announced key milestones for the Synchrony Car Care financial services program.

Synchrony Car CareTM Achieves Significant Milestones In its Fourth Year in the Market

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Synchrony Financial's (SYF) strategic initiatives are likely to boost its revenues, which in turn, might perk up its share price.

Synchrony Financial (SYF) Up 177% in a Year: More Room to Run?

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Gap Inc. and Synchrony Financial will part ways on their branded credit card partnership, after the two companies were unable to reach suitable terms to extend a business relationship that dates back more than two decades. In total, the financing pact includes 11 million card holders with roughly $3.8 billion in balances through Gap's four […]

Gap and Synchrony Part Ways On Branded Credit Cards After 22 Years

Shares of Synchrony Financial fell 0.7% in premarket trading Tuesday, after the consumer financial services company disclosed that it will not renew its financing partnership with apparel retailer Gap Inc. when it expires in April 2022. Gap's stock was still inactive ahead of the open.

Synchrony Financial to exit Gap partnership, to redeploy capital to repurchase stock

STAMFORD, Conn., April 12, 2021 /PRNewswire/ -- Synchrony (NYSE: SYF), a financial services company that made "caring for others" its first core value when it was founded seven years ago, was named one of Fortune's 100 Best Companies to Work For in the U.S. in 2021.

Synchrony Recognized as One of the Best Places to Work

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Synchrony Financial's (SYF) CareCredit forges an alliance with Epic App Orchard to simplify financing solutions.

Synchrony Financial's (SYF) Arm Ties Up With Epic App Orchard

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COSTA MESA, Calif., March 30, 2021 /PRNewswire/ -- CareCredit, a Synchrony (NYSE:SYF) solution and a leading provider of promotional financing for healthcare consumers, today announced CareCredit's Patient Financing app is now available in the Epic App Orchard.

CareCredit Joins Epic App Orchard to Offer Patient Financing Solution

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.

News for Synchrony Financial Stock (SYF)