Synchrony Financial
Synchrony Financial (SYF) is a US-based consumer financial services company specialising in private-label and co-branded credit programmes, instalment financing and deposit products. It partners with retailers, healthcare providers and other businesses to issue store and branded cards, earning revenue from interest, fees and merchant-enabled financing. The company’s performance is sensitive to consumer credit trends, unemployment and retail spending, while net interest income can benefit from higher interest rates. Synchrony manages risk through credit underwriting, loss reserves and a diversified merchant network, but it faces competition from banks and fintechs, regulatory oversight and funding costs. Investors may watch capital position, credit-loss trends, fee income, and loan mix. As with all stocks, values can rise or fall; this summary is educational and not personal financial advice. Consider suitability for your risk tolerance and investment horizon before acting.
Why It's Moving
Synchrony Gears Up for Q4 Earnings Reveal as Strategic Partnerships Signal Expansion Momentum
- Renewed partnership with METUS expands flexible HVAC financing options, tapping into rising demand for home comfort upgrades.
- New credit card launch with The Toro Company targets lawn equipment buyers, widening Synchrony's retail financing footprint.
- CareCredit integration with Clover App Market accelerates growth by enabling seamless financing for health and wellness providers.
Synchrony Gears Up for Q4 Earnings Reveal as Strategic Partnerships Signal Expansion Momentum
- Renewed partnership with METUS expands flexible HVAC financing options, tapping into rising demand for home comfort upgrades.
- New credit card launch with The Toro Company targets lawn equipment buyers, widening Synchrony's retail financing footprint.
- CareCredit integration with Clover App Market accelerates growth by enabling seamless financing for health and wellness providers.
When is the next earnings date for Synchrony Financial (SYF)?
Synchrony Financial will announce its fourth quarter 2025 earnings on Tuesday, January 27, 2026, before market open. The earnings release and presentation materials are scheduled to be posted to the investor relations website at approximately 6:00 a.m. Eastern Time, with a conference call to follow at 8:00 a.m. Analysts are currently estimating the company will report earnings per share of $2.02 for the quarter.
Stock Performance Snapshot
Analyst Rating
Analysts recommend buying Synchrony Financial's stock with a target price of $87.57, indicating growth potential.
Financial Health
Synchrony Financial is performing well with strong revenue, cash flow, and solid book value per share.
Dividend
Synchrony Financial's dividend yield of 1.44% is below average, indicating limited returns from dividends. If you invested $1000 you would be paid $14.40 a year in dividends (based on the last 12 months).
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Explore BasketWhy You’ll Want to Watch This Stock
Retail partnerships
A large merchant network drives card volumes and merchant-finance revenue, though retail weakness or changing partner relationships can dent growth.
Rate and credit cycle
Higher rates can lift interest income but may increase delinquencies; monitor credit-loss trends and macro conditions as indicators of risk.
Digital and efficiency
Investments in data analytics and cost control can improve margins, but competition from fintechs and regulatory constraints are ongoing challenges.
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