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B. Metzler seel. Sohn & Co. AG lessened its holdings in Synchrony Financial (NYSE:SYF – Free Report) by 35.3% during the second quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The fund owned 36,565 shares of the financial services provider’s stock after selling 19,990 shares during the period. B. Metzler seel. Sohn & Co. AG’s holdings in Synchrony Financial were worth $2,781,000 at the end of the most recent quarter.

Several other large investors have also added to or reduced their stakes in the business. NewEdge Advisors LLC grew its position in Synchrony Financial by 8.9% during the first quarter. NewEdge Advisors LLC now owns 8,302 shares of the financial services provider’s stock valued at $439,000 after buying an additional 679 shares during the period. Woodline Partners LP increased its stake in shares of Synchrony Financial by 36.2% during the 1st quarter. Woodline Partners LP now owns 35,582 shares of the financial services provider’s stock worth $1,884,000 after purchasing an additional 9,460 shares during the last quarter. Focus Partners Wealth increased its stake in shares of Synchrony Financial by 7.7% during the 1st quarter. Focus Partners Wealth now owns 6,406 shares of the financial services provider’s stock worth $339,000 after purchasing an additional 459 shares during the last quarter. Geneos Wealth Management Inc. raised its holdings in shares of Synchrony Financial by 337.0% in the 1st quarter. Geneos Wealth Management Inc. now owns 590 shares of the financial services provider’s stock worth $31,000 after purchasing an additional 455 shares during the period. Finally, Sivia Capital Partners LLC lifted its stake in Synchrony Financial by 56.1% in the second quarter. Sivia Capital Partners LLC now owns 6,062 shares of the financial services provider’s stock valued at $405,000 after purchasing an additional 2,178 shares during the last quarter. Institutional investors own 96.48% of the company’s stock.

Synchrony Financial Trading Up 0.1% Shares of SYF stock opened at $79.93 on Friday. The company has a market capitalization of $26.01 billion, a PE ratio of 8.19, a price-to-earnings-growth ratio of 0.73 and a beta of 1.32. Synchrony Financial has a 52-week low of $63.08 and a 52-week high of $88.77. The business’s fifty day moving average is $76.80 and its 200 day moving average is $73.31. The company has a debt-to-equity ratio of 1.08, a quick ratio of 1.22 and a current ratio of 1.22.

Synchrony Financial (NYSE:SYF – Get Free Report) last posted its earnings results on Tuesday, July 21st. The financial services provider reported $2.59 EPS for the quarter, topping the consensus estimate of $2.14 by $0.45. The business had revenue of $3.72 billion during the quarter, compared to analysts’ expectations of $3.72 billion. Synchrony Financial had a return on equity of 23.09% and a net margin of 15.44%.During the same period in the previous year, the business earned $2.50 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.250-9.500 EPS. On average, equities research analysts anticipate that Synchrony Financial will post 9.37 EPS for the current fiscal year. Synchrony Financial Increases Dividend The company also recently announced a quarterly dividend, which was paid on Monday, August 17th. Investors of record on Wednesday, August 5th were paid a $0.34 dividend. The ex-dividend date of this dividend was Wednesday, August 5th. This is a positive change from Synchrony Financial’s previous quarterly dividend of $0.30. This represents a $1.36 annualized dividend and a dividend yield of 1.7%. Synchrony Financial’s payout ratio is presently 13.93%.

Wall Street Analyst Weigh In A number of research firms have issued reports on SYF. JPMorgan Chase & Co. decreased their target price on Synchrony Financial from $81.00 to $78.00 and set a “neutral” rating for the company in a research report on Monday, July 13th. Robert W. Baird lifted their price objective on Synchrony Financial from $86.00 to $90.00 and gave the stock an “outperform” rating in a report on Wednesday, July 22nd. HSBC upped their price objective on shares of Synchrony Financial from $93.00 to $97.00 and gave the company a “buy” rating in a report on Monday, July 13th. Weiss Ratings reiterated a “buy (b-)” rating on shares of Synchrony Financial in a research note on Friday, July 17th. Finally, Royal Bank Of Canada lowered their price target on shares of Synchrony Financial from $85.00 to $80.00 and set a “sector perform” rating on the stock in a research report on Wednesday, July 22nd. Twelve investment analysts have rated the stock with a Buy rating and seven have issued a Hold rating to the company’s stock. Based on data from MarketBeat, the company presently has a consensus rating of “Moderate Buy” and an average price target of $87.78.

View Our Latest Report on SYF

Synchrony Financial Profile (Free Report)

Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.

Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences.

Read More Five stocks we like better than Synchrony Financial Revolution Medicines Got Its Breakthrough—What Moves It Next? Retail Earnings Just Exposed a Bigger Divide in the U.S. Consumer Economy FB Financial’s Southern Expansion and Buybacks Drive Analyst Optimism AST SpaceMobile Stock Soared 12%—This Was the Catalyst Want to see what other hedge funds are holding SYF? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Synchrony Financial (NYSE:SYF – Free Report).

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A month has gone by since the last earnings report for Synchrony (SYF - Free Report) . Shares have added about 9.4% in that time frame, outperforming the S&P 500.

Will the recent positive trend continue leading up to its next earnings release, or is Synchrony due for a pullback? Before we dive into how investors and analysts have reacted as of late, let's take a quick look at the most recent earnings report in order to get a better handle on the important catalysts.

Synchrony Beats Q2 Earnings Estimates, Raises 2026 EPS Outlook

Synchrony reported second-quarter 2026 adjusted earnings per share (EPS) of $2.59, which surpassed the Zacks Consensus Estimate by 24.5%. The bottom line increased 3.6% year over year.

Net interest income increased 1.9% year over year to $4.6 billion but missed the consensus estimate by 1.1%. The growth was driven by lower interest-bearing liability costs, partly offset by lower loan and liquidity portfolio yields.

The quarterly results were driven by record purchase volume, accelerated growth in ending loan receivables despite elevated payment behavior, continued credit strength and an expansion in net interest margin. However, higher operating expenses and an increase in the provision for credit losses partly offset these positives.

Synchrony’s Q2 Results in DetailRetailer share arrangements of Synchrony advanced 3.5% year over year to $1 billion in the second quarter. Total loan receivables were $102.2 billion, up 2.4% year over year. The figure beat the Zacks Consensus Estimate of $101.9 billion as well as our estimate of $101.8 billion.

Total deposits increased 0.7% year over year to $82.8 billion but missed our estimate of $83.5 billion. Provision for credit losses increased 4.8% year over year to $1.2 billion, primarily due to a smaller reserve release than in the prior-year period, partially offset by lower net charge-offs. However, the reported figure came in below our estimate of $1.5 billion.

Synchrony’s purchase volume rose 8.1% year over year to $49.8 billion on higher spend per account. The figure beat the consensus estimate of $48.7 billion and our estimate of $47.7 billion.

Interest and fees on loans increased 1% year over year to $5.4 billion but marginally missed our estimate of $5.5 billion. The increase was driven by higher loan receivables yields, partly offset by lower benchmark rates. Net interest margin expanded 30 basis points year over year to 15.08% but fell short of the Zacks Consensus Estimate of 15.25%.

Average active accounts increased 0.4% year over year at 68.3 million, missing the Zacks Consensus Estimate of 68.9 million and our estimate of 68.7 million.

Total other expenses increased 6.9% year over year to $1.33 billion, slightly above our estimate of $1.30 billion. The efficiency ratio rose 170 basis points year over year to 35.8%, which outpaced the Zacks Consensus Estimate of 35.05%.

Movement in Individual Sales PlatformsHome & Auto period-end loan receivables decreased 0.1% year over year in the second quarter. Purchase volume rose 5.8% year over year, reflecting the performance of new programs. Interest and fees on loans declined 0.1% year over year.

Digital period-end loan receivables inched up 4.4% year over year. Purchase volume increased 9.2%, driven by strong performance across diversified partners. Interest and fees on loans rose 1.8% year over year.

Diversified & Value period-end loan receivables increased 6.5% year over year. Purchase volume increased 11.7%, driven by partner expansion and higher gas sales. Interest and fees on loans increased 1.6% year over year.

Health & Wellness period-end loan receivables inched up 0.5% year over year. Purchase volume increased 2.1% year over year, supported by growth in Pet, partly offset by lower Cosmetic spending. Interest and fees on loans advanced 2.7% year over year.

Lifestyle period-end loan receivables decreased 0.9% year over year in the second quarter. Purchase volume rose 6%, reflecting new program growth and higher spending in Other Apparel and Goods and Luxury. Interest and fees on loans declined 1.9% year over year.

Synchrony’s Financial Position (As of June 30, 2026)Synchrony exited the second quarter with cash and equivalents of $16.2 billion, which increased from the 2025-end level of $15 billion. Total assets of $121.9 billion increased from the 2025-end figure of $119.1 billion. SYF’s balance sheet was consistently strong in the reported quarter, with total liquidity of $19.8 billion accounting for 16.2% of its total assets.

Total borrowings were $16.4 billion, up from $15.2 billion as of Dec. 31, 2025. Total equity of $16.9 billion inched up from the 2025-end figure of $16.8 billion.

Return on assets decreased 30 basis points to 2.9%. Return on equity was 21.4%, which decreased 170 bps year over year.

Capital Deployment UpdateSynchrony returned $950 million to shareholders, including $850 million through share buybacks and $100 million in dividends. As of June 30, 2026, the company had a total remaining repurchase authorization of $5.7 billion, with no expiration date.

SYF’s 2026 GuidanceSynchrony continues to anticipate mid-single-digit growth in period-end loan receivables. Strong purchase volume growth is expected to continue throughout 2026. The payment rate is expected to remain high. SYF expects receivables growth to accelerate in the second half of 2026.

The company narrowed its 2026 earnings per share guidance to $9.25-$9.50 from $9.10-$9.50, raising the lower end of the range.

RSA, as a percentage of average loan receivables, is increasing, reflecting strong program performance, and is expected to remain within the 4-4.5% target range.

How Have Estimates Been Moving Since Then?Since the earnings release, investors have witnessed a downward trend in fresh estimates.

The consensus estimate has shifted -6.95% due to these changes.

VGM ScoresAt this time, Synchrony has a subpar Growth Score of D, a score with the same score on the momentum front. However, the stock was allocated a grade of A on the value side, putting it in the top quintile for value investors.

Overall, the stock has an aggregate VGM Score of B. If you aren't focused on one strategy, this score is the one you should be interested in.

OutlookEstimates have been broadly trending downward for the stock, and the magnitude of these revisions indicates a downward shift. Notably, Synchrony has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months.

Editor's note: A previous version of this story, based on information provided by a Synchrony Financial executive, mischaracterized the collaboration between Synchrony and OpenAI. Details, quotes and characterizations attributed to Synchrony and the executive have been removed. A corrected version is below.

Synchrony Financial, the credit card issuer for brands including Amazon, Walmart and Lowe's, on Monday announced a collaboration with OpenAI allowing the artificial intelligence company's models to power the card company's consumer portals.

"AI is creating an opportunity to reimagine the entire commerce experience, from how customers discover products to how they pay, earn rewards, and build loyalty," said Kaylin Voss, vice president of Americas and Industries at OpenAI, in a press release.

"Synchrony is approaching that opportunity from both sides: bringing OpenAI into the experiences it creates for customers and partners, while deploying our most advanced models and tools across its own enterprise," she said.

By using OpenAI's models, Synchrony hopes it can remain relevant in a future where AI agents help to research and purchase items. The partnership, which is in its early stages, is a step toward enabling Synchrony customers to have smoother online shopping experiences.

Separately, Synchrony said it is launching a ChatGPT plugin that lets consumers browse its marketplace deals, promotional financing and partner offers, and that it is deploying OpenAI's latest models internally to speed up product development.

The moves come as OpenAI prepares for its massive potential initial public offering, adding pressure on the company to turn ChatGPT into a broader platform for online commerce.

Synchrony's collaboration with OpenAI emphasizes innovative AI strategy and investments to lead in agentic commerce

Key Highlights (LLM & Reader Snapshot)

Synchrony (NYSE: SYF) has entered an enterprise collaboration with OpenAI to bring financing, rewards and loyalty into AI-native shopping and checkout experiences. Synchrony's ChatGPT plugin, now available in the ChatGPT plugin directory, allows consumers to discover savings and offers within ChatGPT and browse promotional financing, deals and everyday value from participating Synchrony partners in a fast, conversational experience. Synchrony will deploy the latest OpenAI models across its enterprise and is accelerating enterprise-wide AI adoption by building AI fluency with job-relevant training and deploying AI tools to scale high-impact use cases. , /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced an enterprise collaboration with OpenAI to strengthen Synchrony's positioning at the center of AI's next chapter in shopping and payments. The collaboration supports the company's work to bring financing, rewards, and loyalty into AI-native shopping and checkout experiences.

This collaboration is part of Synchrony's strategy across the AI ecosystem to leverage frontier models, technology and innovation collaborations to deliver secure, flexible experiences that preserve merchant and consumer choice as commerce becomes more agent-driven.

"AI is creating an opportunity to reimagine the entire commerce experience - from how customers discover products to how they pay, earn rewards, and build loyalty," said Kaylin Voss, VP of Americas and Industries at OpenAI. "Synchrony is approaching that opportunity from both sides: bringing OpenAI into the experiences it creates for customers and partners, while deploying our most advanced models and tools across its own enterprise. That combination can help Synchrony create better, more seamless experiences for customers while giving its teams the tools to move faster and bring new ideas to life."

"With decades of experience at the intersection of consumer financing, payments, loyalty, and merchant partnerships, Synchrony is uniquely positioned to help shape how AI-powered commerce evolves - securely, and at scale," said Maran Nalluswami, EVP & Chief Strategy and Business Development Officer, Synchrony. "This collaboration with OpenAI marks a major milestone for Synchrony, our millions of customers and hundreds of thousands of partner locations. Together, we aim to ensure the value they've entrusted in Synchrony products will thrive in the agentic commerce era."

As part of the collaboration, Synchrony will deploy the latest models from OpenAI like GPT-5.6 Sol, Terra, and Luna across its enterprise through ChatGPT Work, Codex, and AWS Bedrock, enabling deeper engagement with advanced capabilities, more meaningful product development, and faster technology innovation across the enterprise.

Synchrony has long focused on ensuring its partners extend leadership in every arena of consumer financing —from online shopping to digital wallets. The OpenAI collaboration reflects Synchrony's focus on building AI in a secure, scalable way across the enterprise and strengthens Synchrony's role in defining what trusted, AI-powered commerce looks like.

Synchrony will also launch a ChatGPT plugin into the ChatGPT plugin directory. The plugin will allow consumers to discover savings and offers within the Synchrony Marketplace directly within ChatGPT and browse promotional financing, deals and everyday value from participating Synchrony partners in a fast, conversational experience. By bringing Marketplace offers into ChatGPT, Synchrony is expanding discoverability, creating a more convenient discovery journey and exploring new ways for businesses to drive conversion and engage consumers.

Synchrony is also accelerating enterprise-wide AI adoption by building AI fluency with job-relevant training as well as deploying AI tools to scale high-impact use cases across the organization. With nearly 100% of its professional workforce actively using AI tools like ChatGPT since 2024 and the upcoming access to Chat GPT Enterprise and ChatGPT Work, employees will have the ability to integrate AI into daily workflows to enhance productivity, decision-making, and customer outcomes. Employee trust remains strong, with 90% of employees expressing confidence in Synchrony's commitment to using AI fairly, ethically, and responsibly.

Frequently Asked Questions

Q1: What is the significance of the Synchrony and OpenAI collaboration?
A1: The enterprise collaboration strengthens Synchrony's positioning at the center of AI's next chapter in shopping and payments, bringing financing, rewards and loyalty into AI-native shopping and checkout experiences as commerce becomes more agent-driven.

Q2: How does this compare to existing approaches to AI in consumer financing?
A2: Synchrony is leveraging the benefits of frontier models, technology and innovation collaborations to deliver secure, flexible experiences that preserve merchant and consumer choice. The collaboration reflects Synchrony's focus on building AI in a secure, scalable way across the enterprise and strengthens its role in defining what trusted, AI-powered commerce looks like.

Q3: Where can I learn more about Synchrony's AI-powered commerce products?
A3: Visit www.synchrony.com or the Synchrony investor relations site at https://investors.synchronyfinancial.com/. Synchrony's plugin is available in the ChatGPT plugin directory.

Q4: How is Synchrony using AI across its enterprise?
A4: Synchrony is accelerating enterprise-wide adoption through job-relevant training and AI tools designed to support high-impact use cases across the organization. Nearly 100% of Synchrony's professional workforce is actively using AI tools, soon to include ChatGPT Enterprise and ChatGPT Work, to support daily workflows, productivity, decision-making and customer outcomes.

About Synchrony

Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.

Forward-Looking Statements

This press release includes certain forward-looking statements as defined in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which are subject to the "safe harbor" created by those sections.  Forward-looking statements may be identified by words such as "will," "aim" or words of similar meaning.  The forward-looking statements convey our expectations related to the collaboration with Open AI, and are subject to inherent uncertainties, risks and changes that are difficult to predict, may change over time and many of which are beyond our control. As a result, actual results could differ materially from those indicated in these forward-looking statements. For these reasons, we caution you against relying on any forward-looking statements, which should also be read in conjunction with our public filings, including under the headings "Risk Factors Relating to Our Business" and "Risk Factors Relating to Regulation" in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2025, as filed on February 6, 2026. Any forward-looking statement speaks only as of the date on which it is made and we undertake no obligation to update any forward-looking statement, except as otherwise may be required by law.

Media Contact
Tyler Allen
Synchrony
[email protected] 

SOURCE Synchrony Financial

, /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, announced the appointment of Nimrod Barak as Chief AI Officer effective June 30, 2026. Barak will spearhead Synchrony's enterprise AI strategy and execution, accelerating innovation across the business to elevate consumer experiences, unlock new value for partners, and fuel growth.

Synchrony Elevates AI Strategy Hiring Nimrod Barak as Chief AI Officer to Accelerate Innovation. In his new role, Barak will lead Synchrony's enterprise-wide AI strategy, governance, and execution, helping further strengthen how the company serves customers, supports partners, and empowers employees. He will oversee the development and deployment of AI capabilities across the business, accelerating innovation, advancing agentic and intelligent automation initiatives, and ensuring AI is embedded responsibly into products, operations, and decision-making.

"Over the past several years, Synchrony has been thoughtfully rolling out new AI capabilities across the organization and preparing for the next phase of agentic commerce," said Florin Arghirescu, EVP & Chief Technology Officer, Synchrony. "We look forward to Nimrod's leadership to accelerate AI adoption as part of our commitment to responsible innovation built on decades of trust with consumers and partners."

Barak is a globally recognized technology and innovation executive with more than 20 years of experience leading large-scale engineering, data, and AI organizations. Most recently, he served as Managing Director, Head of AI Center of Excellence and Emerging Technologies at Citi. Throughout his career, Barak has built and scaled high-performing global teams, pioneered the deployment of emerging technologies, and helped organizations modernize operations, improve customer experiences, and create new sources of business value through innovation and responsible AI.

Synchrony is scaling enterprise-wide AI readiness and adoption by rolling out AI capabilities across the enterprise and implementing AI focused use-cases. Adoption is strong, with nearly 100% of its professional workforce using AI tools including Synchrony GPT since 2024. And, employee trust is high – 90% of employees trust Synchrony to use AI fairly, ethically, and responsibly.

About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.

Media Contact
Tyler Allen
Synchrony
[email protected] 

SOURCE Synchrony Financial

National ChiroIQ survey shows that firsthand experience, better information and improved access can help more people understand the role chiropractic care may play in long-term health and wellness

Key Highlights:

Consumers want the benefits chiropractic care can provide, such as better mobility and support for long-term wellness, but they don't always realize chiropractic care can help deliver those results: While 92% of Americans value preventive care, fewer than half (44%) consider chiropractic part of a long-term wellness lifestyle.  Trying chiropractic care changes minds: Positive views of chiropractic increase from 73% before treatment to 96% after receiving care.  Better information and easier access could help more people consider chiropractic care: Only 26% know chiropractic is recommended before opioids for many back pain cases, while 28% are unsure what chiropractic care typically costs and 56% say flexible payment options are important when deciding whether to seek care.  , /PRNewswire/ -- Americans increasingly value prevention, mobility and drug-free approaches to staying healthy, yet new national research commissioned by CareCredit, a health and wellness financial solution from Synchrony (NYSE: SYF), reveals many still overlook how chiropractic care may support those goals.

National ChiroIQ survey shows that firsthand experience, better information and improved access can help more people understand the role chiropractic care may play in long-term health and wellness. The national ChiroIQ survey found a significant disconnect between what consumers say they want from their healthcare and how they think about chiropractic care. While Americans overwhelmingly prioritize prevention, maintaining mobility and healthy aging, many still don't recognize chiropractic as one possible way to support those goals.

At the same time, the findings point to a clear opportunity to change perceptions. Learning more about chiropractic care, experiencing it firsthand and having better access to care can increase consumers' trust and willingness to consider it as part of their long-term health and wellness routine.

"Our research shows consumers are already embracing the outcomes chiropractic helps deliver, from enhanced mobility and preventative wellness to drug-free approaches to care," said Jeff Miller, Senior Vice President and General Manager, Specialty and Wellness at Synchrony. "The opportunity isn't convincing people those goals matter. It's helping them better understand the important role chiropractic can play in achieving them. With greater awareness, education and access, more consumers can confidently choose chiropractic as part of their long-term health and wellness strategy."

Americans Want to Stay Healthy and Mobile, but Many Don't See Where Chiropractic Care Fits
Many consumers prioritize prevention, healthy aging and staying active, yet some still don't naturally connect those priorities with chiropractic care. The research suggests people already understand the importance of prevention. The opportunity is helping them see how chiropractic care may fit into the healthier, more active lives they want to lead.

The research found:

92% say preventive care is just as important as treating illness. 68% say chiropractic care can play an important role in overall wellness and mobility. Yet only 44% consider chiropractic care part of a long-term wellness lifestyle. Learning More About Chiropractic Care Changes How People See It
Consumers know chiropractic exists. What many don't fully understand is that it may provide benefits beyond treating back pain. As awareness grows, so does appreciation for chiropractic's broader value in helping people stay healthy, active and mobile.

Key findings include:

Only 36% say they are very familiar with chiropractic care. Many continue to associate chiropractic primarily with back pain rather than preventive health and wellness. Yet 95% of patients who have experienced chiropractic care believe it can support overall wellness and mobility. Firsthand Experience Builds Trust in Chiropractic Care
Nothing changes perceptions of chiropractic care quite like trying it. Among consumers who have received chiropractic care, trust, confidence and appreciation rise sharply, showing the important role firsthand experience can play in shaping how people view chiropractic care. Among chiropractic patients:

Positive perceptions of chiropractic increase from 73% before treatment to 96% after receiving care. 91% trust chiropractors. 93% believe chiropractic care is safe. The findings suggest chiropractic care doesn't have a satisfaction problem. It has an awareness opportunity. Once people experience care, they are much more likely to trust it, value it and understand the role it can play in their health.

Clearer Costs and More Ways to Pay Could Help More People Consider Care 
As interest in chiropractic continues to grow, uncertainty around cost and payment remains an important barrier for many consumers. Making costs easier to understand and giving people clearer information about payment options could help more consumers decide whether chiropractic care is right for them. The survey found:

28% of consumers are unsure what chiropractic care typically costs. 56% say flexible payment or financing options are important when considering chiropractic care. Among existing chiropractic patients, that number rises to 67%. 63% of existing patients say they would likely purchase a discounted prepaid visit package to support ongoing care.  The research underscores the importance of helping consumers understand what care may cost and what payment options may be available, particularly when they are considering ongoing treatment.

One Important Fact Can Change How People View Chiropractic Care 
Consumers' perceptions shift quickly when they better understand chiropractic's role in today's healthcare landscape, showing that clear, useful information can make a meaningful difference. For example:

Only 26% know national clinical guidelines recommend non-drug therapies, including chiropractic care, before opioids for many types of back pain. After learning that fact, 54% say they view chiropractic care more positively.  The study shows how education can help consumers better understand when chiropractic care may be appropriate and how it may support pain management, mobility, prevention and long-term wellness.

"I see it every day: people want to feel better, avoid another pill, avoid surgery, and actually fix the problem instead of just masking it, but there's a gap between what they want and what they know is possible with chiropractic care," said Jet Jackson, DC, chiropractor and owner of 100% Chiropractic in Murfreesboro, TN. "I close that gap by sitting down with patients, showing them exactly what's going on and what their options are. And when they understand that and know they can afford it, that's when real change happens."

As consumers continue prioritizing prevention, mobility and healthy aging, the findings suggest chiropractic is well positioned to play an even greater role in helping Americans achieve their long-term health goals. Helping people better understand the benefits, costs and available options could make it easier for more consumers to consider chiropractic care as part of a proactive approach to their health and wellness.

CareCredit offers resources and tools to help educate patients about the cost of chiropractic care and the financial solutions that may be available to help them plan and pay for it. To learn more about CareCredit, please visit: https://www.carecredit.com/chiropractic.

Methodology
Synchrony's 2026 ChiroIQ study included 1,310 respondents and was conducted between June 11 and June 26, 2026. Mirrored after the U.S. Census, the online survey compared consumers' perceptions of chiropractic care with the experiences of people who have received it. It identified key barriers to consideration, such as trust, cost, insurance, and treatment expectations, while assessing broader attitudes toward wellness, preventive care, and drug-free pain management. It also analyzed consumer financial preferences towards chiropractic care, including willingness to pay, financing options, and interest in bundled care packages.

FAQ

Do Americans consider chiropractic care part of a wellness routine, or just treatment for pain?
According to CareCredit's ChiroIQ survey, most Americans (92%) say preventive care is just as important as treating illness, and 68% say chiropractic care can play an important role in overall wellness and mobility. However, only 44% currently view chiropractic care as part of a long-term wellness lifestyle, and many still associate it primarily with back pain rather than prevention. The findings suggest there is an opportunity to help people better understand how chiropractic care may support the broader health and wellness goals they already value.

Does chiropractic care actually work, and do patients trust it?
The survey found that people who have received chiropractic care view it very positively. Among people who have received chiropractic treatment, positive perceptions rise from 73% before care to 96% after care. Additionally, 91% of patients say they trust chiropractors, 93% believe the care is safe, and 95% believe it plays an important role in overall health and mobility.

Is chiropractic care recommended before opioids for back pain?
Yes. National guidelines from the Centers for Disease Control and Prevention and the American College of Physicians recommend non-drug therapies, including chiropractic care, before opioids for many types of back pain. However, CareCredit's ChiroIQ survey found that only 26% of Americans are aware of this guideline. Once informed, 54% say they view chiropractic care more positively showing how one piece of information can meaningfully change perceptions.

What do consumers say about the cost of chiropractic care, and how important are financing options in their decision to pursue care? 
Cost remains a common concern: 28% of consumers say they're unsure what chiropractic care typically costs. The survey found that 56% of consumers consider flexible payment or financing options important when deciding whether to pursue chiropractic care, a number that rises to 67% among existing patients. Additionally, 63% of existing patients say they would likely purchase a discounted prepaid visit package to support ongoing care, highlighting the importance of clearer cost information and accessible payment options.

About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.

Media Contact:
Michelle Romero
Synchrony
[email protected]

SOURCE Synchrony

Health and wellness providers and retailers using Stripe can soon offer CareCredit to customers directly within their existing payment platform, making it easier to offer trusted financing while expanding access for more than 12 million CareCredit cardholders.

Key Highlights:

Simplified Provider Experience: Health and wellness providers using Stripe will soon be able to activate CareCredit directly online within the payment platform they already use, with no additional integration required. Expanded Patient Access: More than 12 million CareCredit cardholders and new approved applicants will have more opportunities to use their card for health and wellness purchases through participating Stripe providers. , /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced a new integration with Stripe, the programmable financial services company, making it easier for Synchrony and Stripe's health and wellness providers and retailers to offer CareCredit financing as part of their online checkout experience.

U.S. health and wellness providers using Stripe or new to Stripe will soon be able to offer CareCredit directly within the platform, eliminating the need for additional integrations while giving patients access to a trusted financing solution at checkout. The initial partnership includes CareCredit's standard card transactions and six-month promotional financing options.

"As more health and wellness purchases move online, providers need payment solutions that are both simple to implement and easy for patients to use," said Beto Casellas, Executive Vice President and Chief Executive Officer of Health & Wellness at Synchrony. "By integrating CareCredit directly into Stripe, we're making it easier for providers to offer trusted financing while helping more than 12 million CareCredit cardholders access the care and wellness products they need through the providers they already trust."

By embedding CareCredit into the platforms that providers already use, the partnership simplifies implementation, supports a streamlined checkout experience, and helps providers offer financing with reduced operational complexity.

For more information, please visit CareCredit.com.

About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.

For more information, visit Synchrony.com.

FAQ
What does the new Stripe integration enable?
It will enable H&W providers using Stripe to easily activate CareCredit as a payment option in their online checkout. This simplifies their payment ecosystem by adding a trusted financing choice directly through the platform they already use, with no new integration required.

How can providers begin offering CareCredit through Stripe? 
Providers using Stripe can activate CareCredit directly within their Stripe Dashboard. Once enabled, their customers can use an existing CareCredit card or apply for one during the checkout process.

What benefits does the partnership provide consumers? 
Consumers gain access to additional health and wellness providers where they can use their CareCredit card online, expanding financing options for eligible purchases.

How does the Stripe integration improve the merchant experience? 
The integration enables Stripe health and wellness providers to activate CareCredit through the payment platform they already use, reducing implementation complexity and creating a more streamlined onboarding and on-going operational experience. Providers leveraging CareCredit via their Stripe integration will have one place to go for all their payment methods for enablement, reporting, reconciliation, chargebacks, etc.

Media Contact:
Tyler Allen
Synchrony
[email protected] 

SOURCE Synchrony Financial

Synchrony Financial is upgraded to a "Strong Buy" due to stable credit trends, robust capital returns, and undervaluation. Q2 earnings of $2.59 beat estimates; purchase volumes rose 8%, and loan receivables grew 2% despite high payment rates. SYF's CET1 ratio increased to 13.2%, supporting aggressive buybacks and a 13+% capital return yield through dividends and repurchases.

Posted by Defense World Staff on Jul 27th, 2026

Entropy Technologies LP bought a new stake in shares of Synchrony Financial (NYSE:SYF – Free Report) during the first quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The fund bought 37,313 shares of the financial services provider’s stock, valued at approximately $2,538,000.

Several other institutional investors and hedge funds have also bought and sold shares of the stock. Healthcare of Ontario Pension Plan Trust Fund increased its stake in Synchrony Financial by 2,602.9% in the first quarter. Healthcare of Ontario Pension Plan Trust Fund now owns 384,841 shares of the financial services provider’s stock valued at $26,177,000 after purchasing an additional 370,603 shares in the last quarter. Arrowstreet Capital Limited Partnership bought a new position in shares of Synchrony Financial during the 1st quarter worth about $23,233,000. Caxton Associates LLP boosted its position in shares of Synchrony Financial by 15.9% during the 1st quarter. Caxton Associates LLP now owns 53,519 shares of the financial services provider’s stock worth $3,640,000 after purchasing an additional 7,360 shares in the last quarter. Inceptionr LLC acquired a new stake in shares of Synchrony Financial in the 1st quarter valued at about $911,000. Finally, Bank of Nova Scotia grew its stake in shares of Synchrony Financial by 282.1% in the 1st quarter. Bank of Nova Scotia now owns 195,486 shares of the financial services provider’s stock valued at $13,297,000 after buying an additional 144,324 shares during the period. 96.48% of the stock is owned by institutional investors.

Synchrony Financial Price Performance Shares of NYSE:SYF opened at $72.88 on Monday. The company has a current ratio of 1.22, a quick ratio of 1.22 and a debt-to-equity ratio of 1.08. The stock’s fifty day simple moving average is $73.30 and its two-hundred day simple moving average is $72.96. Synchrony Financial has a 1-year low of $63.08 and a 1-year high of $88.77. The stock has a market cap of $23.71 billion, a PE ratio of 7.47, a price-to-earnings-growth ratio of 0.68 and a beta of 1.32.

Synchrony Financial (NYSE:SYF – Get Free Report) last posted its quarterly earnings data on Tuesday, July 21st. The financial services provider reported $2.59 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $2.14 by $0.45. Synchrony Financial had a net margin of 15.44% and a return on equity of 23.09%. The firm had revenue of $3.72 billion for the quarter, compared to the consensus estimate of $3.72 billion. During the same period in the previous year, the firm earned $2.50 EPS. Synchrony Financial has set its FY 2026 guidance at 9.250-9.500 EPS. As a group, analysts forecast that Synchrony Financial will post 9.35 EPS for the current fiscal year.

Synchrony Financial Increases Dividend The company also recently declared a quarterly dividend, which will be paid on Monday, August 17th. Investors of record on Wednesday, August 5th will be issued a dividend of $0.34 per share. This represents a $1.36 annualized dividend and a yield of 1.9%. This is a boost from Synchrony Financial’s previous quarterly dividend of $0.30. The ex-dividend date is Wednesday, August 5th. Synchrony Financial’s dividend payout ratio is presently 12.30%.

Synchrony Financial declared that its Board of Directors has authorized a share repurchase program on Tuesday, April 21st that allows the company to repurchase $0.00 in outstanding shares. This repurchase authorization allows the financial services provider to reacquire shares of its stock through open market purchases. Stock repurchase programs are generally a sign that the company’s leadership believes its shares are undervalued.

Wall Street Analyst Weigh In SYF has been the topic of a number of research reports. Barclays upped their price target on Synchrony Financial from $82.00 to $93.00 and gave the stock an “overweight” rating in a research note on Wednesday, April 22nd. Wells Fargo & Company reduced their price objective on Synchrony Financial from $95.00 to $88.00 and set an “overweight” rating for the company in a research note on Wednesday, July 22nd. Royal Bank Of Canada decreased their price objective on Synchrony Financial from $85.00 to $80.00 and set a “sector perform” rating for the company in a report on Wednesday, July 22nd. Robert W. Baird upped their target price on Synchrony Financial from $86.00 to $90.00 and gave the stock an “outperform” rating in a research report on Wednesday, July 22nd. Finally, TD Cowen increased their target price on Synchrony Financial from $89.00 to $90.00 and gave the stock a “buy” rating in a report on Tuesday, July 7th. Twelve equities research analysts have rated the stock with a Buy rating and eight have given a Hold rating to the company. According to data from MarketBeat, the stock presently has an average rating of “Moderate Buy” and a consensus target price of $86.89.

Check Out Our Latest Analysis on Synchrony Financial

Insiders Place Their Bets In other Synchrony Financial news, insider Jonathan S. Mothner sold 51,258 shares of the company’s stock in a transaction dated Friday, May 15th. The shares were sold at an average price of $71.23, for a total value of $3,651,107.34. Following the completion of the sale, the insider directly owned 132,664 shares of the company’s stock, valued at approximately $9,449,656.72. This represents a 27.87% decrease in their position. The sale was disclosed in a document filed with the SEC, which is accessible through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Company insiders own 0.36% of the company’s stock.

Synchrony Financial Company Profile (Free Report)

Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.

Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences.

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Posted by Defense World Staff on Jul 24th, 2026

Andra AP fonden lowered its stake in shares of Synchrony Financial (NYSE:SYF – Free Report) by 87.7% during the first quarter, according to the company in its most recent filing with the Securities & Exchange Commission. The institutional investor owned 35,701 shares of the financial services provider’s stock after selling 254,599 shares during the period. Andra AP fonden’s holdings in Synchrony Financial were worth $2,428,000 at the end of the most recent quarter.

A number of other institutional investors have also added to or reduced their stakes in the company. Advisors Asset Management Inc. bought a new position in Synchrony Financial during the fourth quarter worth about $29,000. Fideuram Asset Management Ireland dac acquired a new position in Synchrony Financial during the fourth quarter worth approximately $29,000. FWL Investment Management LLC bought a new stake in Synchrony Financial in the third quarter valued at approximately $26,000. Reflection Asset Management bought a new position in shares of Synchrony Financial during the 4th quarter worth approximately $31,000. Finally, Palisade Asset Management LLC bought a new position in shares of Synchrony Financial during the 3rd quarter worth approximately $29,000. 96.48% of the stock is currently owned by institutional investors and hedge funds.

Analyst Ratings Changes A number of equities analysts have commented on SYF shares. TD Cowen upped their price objective on shares of Synchrony Financial from $89.00 to $90.00 and gave the company a “buy” rating in a report on Tuesday, July 7th. Loop Capital began coverage on Synchrony Financial in a report on Friday, May 22nd. They issued a “hold” rating and a $81.00 price objective on the stock. BTIG Research cut Synchrony Financial from a “buy” rating to a “neutral” rating in a research report on Wednesday, April 22nd. Barclays upped their price target on shares of Synchrony Financial from $82.00 to $93.00 and gave the company an “overweight” rating in a research note on Wednesday, April 22nd. Finally, Wells Fargo & Company lowered their price target on shares of Synchrony Financial from $95.00 to $88.00 and set an “overweight” rating on the stock in a research report on Wednesday. Twelve investment analysts have rated the stock with a Buy rating and eight have assigned a Hold rating to the stock. According to MarketBeat.com, the company currently has an average rating of “Moderate Buy” and an average target price of $86.89.

Check Out Our Latest Research Report on SYF

Synchrony Financial News Summary Here are the key news stories impacting Synchrony Financial this week:

Positive Sentiment: Robert W. Baird raised its price target on Synchrony Financial to $90 from $86 and kept an outperform rating, signaling continued confidence in upside after earnings. Article Positive Sentiment: Wells Fargo lowered its price target to $88 from $95 but maintained an overweight rating, still implying meaningful upside from current levels. Article Positive Sentiment: Bank of America reiterated a Buy rating on Synchrony Financial and set a $89 target, reinforcing the view that the company’s stronger-than-expected results and 2026 outlook remain supportive. Article Neutral Sentiment: Synchrony’s Q2 2026 earnings conference call transcript is drawing investor attention for additional detail on management’s outlook and credit trends. Article Neutral Sentiment: Coverage discussing how card issuers are looking beyond credit scores highlights a more segmented consumer-credit market, which may be relevant to Synchrony but does not directly change the company’s fundamentals. Article Negative Sentiment: Royal Bank of Canada cut its price target to $80 from $85 and kept a sector perform rating, reflecting a more cautious stance after the latest results. Article Negative Sentiment: Another article questions whether Synchrony Financial is cheap versus its stronger guidance and weaker share price, suggesting investors are still debating whether the recent run-up in earnings optimism is already priced in. Article Synchrony Financial Trading Down 1.5% Shares of SYF opened at $71.73 on Friday. Synchrony Financial has a 52-week low of $63.08 and a 52-week high of $88.77. The business’s fifty day moving average is $73.27 and its 200-day moving average is $73.06. The company has a debt-to-equity ratio of 1.08, a quick ratio of 1.24 and a current ratio of 1.22. The firm has a market cap of $24.13 billion, a price-to-earnings ratio of 7.35, a PEG ratio of 0.68 and a beta of 1.32.

Synchrony Financial (NYSE:SYF – Get Free Report) last posted its quarterly earnings results on Tuesday, July 21st. The financial services provider reported $2.59 EPS for the quarter, topping analysts’ consensus estimates of $2.14 by $0.45. Synchrony Financial had a return on equity of 23.09% and a net margin of 15.44%.The company had revenue of $3.72 billion during the quarter, compared to analysts’ expectations of $3.72 billion. During the same quarter in the previous year, the firm earned $2.50 EPS. Synchrony Financial has set its FY 2026 guidance at 9.250-9.500 EPS. Equities analysts anticipate that Synchrony Financial will post 9.36 EPS for the current fiscal year.

Synchrony Financial Increases Dividend The business also recently announced a quarterly dividend, which will be paid on Monday, August 17th. Shareholders of record on Wednesday, August 5th will be given a $0.34 dividend. This is an increase from Synchrony Financial’s previous quarterly dividend of $0.30. This represents a $1.36 dividend on an annualized basis and a yield of 1.9%. The ex-dividend date is Wednesday, August 5th. Synchrony Financial’s dividend payout ratio (DPR) is 12.41%.

Synchrony Financial declared that its Board of Directors has approved a share repurchase program on Tuesday, April 21st that allows the company to buyback $0.00 in outstanding shares. This buyback authorization allows the financial services provider to reacquire shares of its stock through open market purchases. Stock buyback programs are usually an indication that the company’s board believes its shares are undervalued.

Insiders Place Their Bets In other Synchrony Financial news, insider Jonathan S. Mothner sold 51,258 shares of the company’s stock in a transaction dated Friday, May 15th. The stock was sold at an average price of $71.23, for a total value of $3,651,107.34. Following the completion of the transaction, the insider owned 132,664 shares of the company’s stock, valued at $9,449,656.72. This represents a 27.87% decrease in their position. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available at this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 0.36% of the stock is owned by corporate insiders.

About Synchrony Financial (Free Report)

Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.

Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences.

Recommended Stories Five stocks we like better than Synchrony Financial Premium Retail’s Stress Test Is Separating Winners From Losers D-Wave Quantum or a Quantum ETF: Which Is the Better Bet? GE Vernova Just Sent a Mixed AI Signal to Investors Alphabet Crushed Earnings, But One Number Spooked the Market Want to see what other hedge funds are holding SYF? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Synchrony Financial (NYSE:SYF – Free Report).

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Posted by Defense World Staff on Jul 22nd, 2026

Dimensional Fund Advisors LP grew its position in Synchrony Financial (NYSE:SYF – Free Report) by 6.4% in the first quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The firm owned 6,039,753 shares of the financial services provider’s stock after purchasing an additional 365,353 shares during the quarter. Dimensional Fund Advisors LP owned approximately 1.80% of Synchrony Financial worth $410,760,000 as of its most recent filing with the Securities and Exchange Commission (SEC).

Other hedge funds and other institutional investors have also recently modified their holdings of the company. FWL Investment Management LLC purchased a new position in shares of Synchrony Financial during the 3rd quarter valued at $26,000. Fideuram Asset Management Ireland dac purchased a new position in shares of Synchrony Financial in the fourth quarter valued at about $29,000. Advisors Asset Management Inc. purchased a new position in shares of Synchrony Financial in the fourth quarter valued at about $29,000. Palisade Asset Management LLC bought a new position in shares of Synchrony Financial in the third quarter worth about $29,000. Finally, Reflection Asset Management bought a new position in shares of Synchrony Financial in the fourth quarter worth about $31,000. 96.48% of the stock is owned by hedge funds and other institutional investors.

Insiders Place Their Bets In related news, insider Jonathan S. Mothner sold 51,258 shares of the business’s stock in a transaction on Friday, May 15th. The shares were sold at an average price of $71.23, for a total value of $3,651,107.34. Following the sale, the insider owned 132,664 shares in the company, valued at approximately $9,449,656.72. The trade was a 27.87% decrease in their ownership of the stock. The sale was disclosed in a document filed with the SEC, which is accessible through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Corporate insiders own 0.36% of the company’s stock.

Analyst Upgrades and Downgrades Several analysts recently issued reports on SYF shares. Wells Fargo & Company cut their target price on Synchrony Financial from $100.00 to $95.00 and set an “overweight” rating for the company in a research report on Thursday, April 9th. Truist Financial upped their price target on Synchrony Financial from $71.00 to $82.00 and gave the stock a “hold” rating in a research note on Thursday, April 23rd. BTIG Research lowered shares of Synchrony Financial from a “buy” rating to a “neutral” rating in a report on Wednesday, April 22nd. UBS Group increased their price objective on shares of Synchrony Financial from $77.00 to $84.00 and gave the company a “neutral” rating in a report on Tuesday, July 7th. Finally, TD Cowen lifted their price objective on shares of Synchrony Financial from $89.00 to $90.00 and gave the company a “buy” rating in a research report on Tuesday, July 7th. Twelve investment analysts have rated the stock with a Buy rating and eight have issued a Hold rating to the company. According to MarketBeat, Synchrony Financial currently has a consensus rating of “Moderate Buy” and an average price target of $87.32.

View Our Latest Analysis on SYF

Key Synchrony Financial News Here are the key news stories impacting Synchrony Financial this week:

Positive Sentiment: Synchrony reported Q2 earnings of $2.59 per share, well above analyst estimates, helped by record purchase volume, stronger loan growth, and solid profitability. Synchrony Reports Second Quarter 2026 Results Positive Sentiment: The company raised its 2026 EPS outlook to $9.25-$9.50, signaling management confidence in continued earnings momentum. Synchrony Reports Second Quarter 2026 Results Positive Sentiment: Synchrony increased its quarterly dividend to $0.34 per share, a 13.3% boost, which supports the stock’s appeal to income investors. Synchrony Reports Second Quarter 2026 Results Neutral Sentiment: Management also highlighted June credit performance metrics and a more resilient consumer backdrop, suggesting borrowers are holding up better than feared. Synchrony Financial Reports June 2026 Credit Performance Metrics Negative Sentiment: One report noted that revenue missed estimates, which may have limited upside despite the earnings beat. Synchrony Financial misses Q2 CY2026 revenue estimates Synchrony Financial Trading Down 1.5% Shares of SYF stock opened at $72.28 on Wednesday. Synchrony Financial has a 12-month low of $63.08 and a 12-month high of $88.77. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 1.08. The stock’s 50-day moving average price is $73.20 and its 200-day moving average price is $73.22. The stock has a market capitalization of $24.31 billion, a price-to-earnings ratio of 7.47, a price-to-earnings-growth ratio of 0.69 and a beta of 1.32.

Synchrony Financial (NYSE:SYF – Get Free Report) last announced its quarterly earnings results on Tuesday, July 21st. The financial services provider reported $2.59 EPS for the quarter, beating analysts’ consensus estimates of $2.14 by $0.45. Synchrony Financial had a return on equity of 23.41% and a net margin of 15.80%.The company had revenue of $3.72 billion during the quarter, compared to analyst estimates of $3.73 billion. During the same period in the prior year, the company earned $2.50 earnings per share. Synchrony Financial has set its FY 2026 guidance at 9.250-9.500 EPS. Equities research analysts predict that Synchrony Financial will post 9.34 EPS for the current fiscal year.

Synchrony Financial announced that its board has authorized a stock repurchase program on Tuesday, April 21st that allows the company to buyback $0.00 in shares. This buyback authorization allows the financial services provider to purchase shares of its stock through open market purchases. Stock buyback programs are usually an indication that the company’s management believes its shares are undervalued.

Synchrony Financial Increases Dividend The company also recently announced a quarterly dividend, which will be paid on Monday, August 17th. Stockholders of record on Wednesday, August 5th will be given a dividend of $0.34 per share. The ex-dividend date is Wednesday, August 5th. This represents a $1.36 dividend on an annualized basis and a dividend yield of 1.9%. This is an increase from Synchrony Financial’s previous quarterly dividend of $0.30. Synchrony Financial’s dividend payout ratio is currently 12.41%.

About Synchrony Financial (Free Report)

Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.

Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences.

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MarketBeat Week in Review – 06/08 - 06/12Synchrony Financial NYSE: SYF reported second-quarter 2026 net earnings of $885 million, or $2.59 per diluted share, as executives pointed to record purchase volume, renewed account growth and continued credit discipline during the company’s earnings call.

President and Chief Executive Officer Brian Doubles said the quarter reflected “strong momentum across our core business drivers,” with new accounts continuing to grow and average active accounts returning to growth. Purchase volume rose 8% from a year earlier to nearly $50 billion, which Doubles said was an all-time high for the company.

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Synchrony’s Comeback Is Hiding in Plain SightChief Financial Officer Brian Wenzel said Synchrony generated a return on average assets of 2.9%, a return on tangible common equity of 25.2% and an 8% increase in tangible book value per share. Ending loan receivables grew 2% to $102 billion, supported by higher purchase volume but partially offset by elevated payment rates.

Purchase Volume Reaches Record Level Doubles said growth was broad-based across Synchrony’s five sales platforms. Diversified & Value led the increase, with purchase volume up 12% from a year earlier, helped by partner expansion and higher gas sales. Digital purchase volume grew 9%, which management attributed mainly to partners with broad offerings and highly engaged customers.

Adobe Leads 3 Big Buyback Programs Worth Up to 25% of Market CapHome & Auto and Lifestyle purchase volume each increased 6%. Home & Auto growth was driven by new programs, while Lifestyle benefited from new programs and strength in other apparel and goods as well as luxury. Health & Wellness purchase volume rose 2%, primarily reflecting growth in pet.

Co-branded cards, including consumer and commercial dual cards, represented 52% of total purchase volume in the quarter and grew 23% compared with last year. Doubles said the increase reflected new programs, product upgrades, broad-based spending and enhanced utility across card programs.

Executives also said discretionary spending remained resilient despite elevated fuel prices. Doubles noted that out-of-partner discretionary spending on consumer co-branded products grew in line with non-discretionary spending, with both up double digits. He cited strength in categories such as entertainment, retail and electronics.

Partner Activity Includes Lowe’s, Suzuki and Roto-Rooter Synchrony added or renewed more than 15 partners during the quarter, including Suzuki Motor, AmeriVet and Roto-Rooter Plumbing & Water Cleanup. Doubles said the Suzuki renewal extends a 17-year relationship and continues secured installment financing through more than 700 dealers nationwide.

The AmeriVet renewal positions CareCredit as the exclusive financing partner for a network of more than 200 veterinary clinics across 37 states. Synchrony’s agreement with Roto-Rooter will provide revolving and installment financing options for essential home repairs and ongoing home care.

Doubles also highlighted Synchrony’s refreshed credit card program with DICK’S Sporting Goods, which now features 10% back in scorecard rewards on qualifying purchases. In April, Synchrony completed its acquisition of the MyLowe’s Pro Rewards American Express Card portfolio and became the issuer, adding a co-branded commercial card alongside the existing MyLowe’s Pro Rewards private label card.

Net Interest Income Rises as Funding Costs Fall Wenzel said net interest income increased 2% to $4.6 billion, driven by higher interest and fees and lower interest expense. Interest and fees rose 1%, reflecting growth in average loan receivables, while interest expense fell 8% due to lower benchmark rates.

Synchrony’s second-quarter net interest margin was 15.08%, up 30 basis points from a year earlier but down 42 basis points sequentially. Wenzel said the year-over-year improvement reflected lower costs on interest-bearing liabilities and a higher mix of loan receivables as a percentage of interest-earning assets. Sequentially, the decline was driven primarily by lower assessed late fees and a seasonal pre-funding effect ahead of expected loan acceleration in the second half.

The company’s payment rate was 17%, about 70 basis points higher than last year and roughly 170 basis points above the pre-pandemic second-quarter average. Wenzel said the elevated rate reflected new portfolio seasoning, portfolio and product mix shifts and prior credit actions.

During the question-and-answer portion of the call, Wenzel said net interest margin was “really at the lowest point” in the second quarter and should begin to build in the second half. He said late-fee pressure should abate and loan receivables should provide a benefit as the year progresses, assuming no changes in Federal Reserve funds rates or interest rates.

Credit Trends Remain Stable Provision for credit losses increased $55 million to $1.2 billion, primarily due to a reserve release of $163 million compared with a $265 million release in the prior year. That was partially offset by a $47 million decline in net charge-offs.

Synchrony’s net charge-off rate was 5.43%, down from 5.70% a year earlier. Wenzel said 30-plus and 90-plus delinquency rates at quarter-end were generally in line with the prior year. The allowance for credit losses as a percentage of loan receivables was 10.09%, down from 10.42% in the first quarter and 10.59% a year earlier.

Asked about the company’s longer-term return profile, Doubles said Synchrony still evaluates business decisions through the lens of long-term guidance of more than 2.5% return on assets. “Everything we’ve brought on, even smaller programs that we’ve exited because they were below our return threshold, they all kind of steer you back to that same range in terms of return,” he said.

Capital Return and 2026 Outlook Synchrony returned $950 million to shareholders in the quarter, including $850 million of share repurchases and $100 million in common stock dividends. The company ended the quarter with about $5.7 billion remaining under its share repurchase authorization.

Wenzel said Synchrony issued $500 million of preferred stock during the quarter with a final dividend of 7.25%, adding that the company’s capital stack is “now fully developed.” Synchrony ended the quarter with a common equity tier 1 ratio of 13.2%.

The company continues to expect average active account acceleration and strong purchase volume growth in the second half of 2026. Wenzel said that growth should more than offset elevated payment rates and produce mid-single-digit growth in ending loan receivables by year-end.

Synchrony also continues to expect net interest income to grow in 2026, supported by higher average loan receivables, PPP fees and lower funding liabilities, partially offset by lower late-fee incidence and faster new account growth. The company expects full-year net charge-offs to be less than 5.5% and now projects diluted earnings per share of $9.25 to $9.50 for 2026.

In closing remarks, Doubles said demand remains strong and that Synchrony is “growing while maintaining our credit discipline, generating strong returns, and building significant long-term value for our stakeholders.”

About Synchrony Financial (NYSE:SYF)Synchrony Financial NYSE: SYF is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.

Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants' checkout experiences.

This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].

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Synchrony Financial (SYF) Q2 2026 Earnings Call July 21, 2026 8:00 AM EDT

Company Participants

Kathryn Miller - Senior Vice President & Director of Investor Relations
Brian Doubles - President, CEO & Director
Brian Wenzel - Executive VP & CFO

Conference Call Participants

Ryan Nash - Goldman Sachs Group, Inc., Research Division
Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc., Research Division
Terry Ma - Barclays Bank PLC, Research Division
Darrin Peller - Wolfe Research, LLC
Richard Shane - JPMorgan Chase & Co, Research Division
Robert Wildhack - Autonomous Research US LP
Mihir Bhatia - BofA Securities, Research Division
John Hecht - Jefferies LLC, Research Division
Mark DeVries - Deutsche Bank AG, Research Division
John Pancari - Evercore ISI Institutional Equities, Research Division
Moshe Orenbuch - TD Cowen, Research Division

Presentation

Operator

Good morning, and welcome to the Synchrony Financial Second Quarter 2026 Earnings Conference Call. Please refer to the company's Investor Relations website for access to their earnings materials. Please be advised that today's conference is being recorded. [Operator Instructions]

I will now turn the call over to Kathryn Miller, Senior Vice President of Investor Relations. Thank you. You may begin.

Kathryn Miller
Senior Vice President & Director of Investor Relations

Thank you, and good morning, everyone. Welcome to our quarterly earnings conference call. In addition to today's press release, we have provided a presentation that covers the topics we plan to address during our call. The press release, detailed financial schedules and presentation are available on our website, synchronyfinancial.com. This information can be accessed by going to the Investor Relations section of the website.

Before we get started, I wanted to remind you that our comments today will include forward-looking statements. These statements are subject to risks and uncertainty, and actual results could differ materially. We list the factors that might cause actual results to differ materially in our SEC filings, which are

For the quarter ended June 2026, Synchrony (SYF - Free Report) reported revenue of $4.61 billion, up 1.9% over the same period last year. EPS came in at $2.59, compared to $2.50 in the year-ago quarter.

The reported revenue represents a surprise of -1.14% over the Zacks Consensus Estimate of $4.66 billion. With the consensus EPS estimate being $2.08, the EPS surprise was +24.52%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Synchrony performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

Efficiency Ratio: 35.8% versus 35.1% estimated by four analysts on average.Net interest margin: 15.1% versus 15.3% estimated by four analysts on average.Total - Average loan receivables, including held for sale: $100.7 billion compared to the $100.89 billion average estimate based on three analysts.Net charge-offs as a % of average loan receivables, including held for sale: 5.4% versus the three-analyst average estimate of 5.6%.Total - Purchase volume: $49.83 billion compared to the $48.67 billion average estimate based on three analysts.Total - Period-end loan receivables: $102.21 billion versus $101.88 billion estimated by three analysts on average.Average Balance - Total interest-earning assets: $122.54 billion compared to the $122.76 billion average estimate based on three analysts.Platform Analysis - Digital - Purchase volume: $14.9 billion versus $14.67 billion estimated by two analysts on average.Platform Analysis - Home & Auto - Period-end loan receivables: $30.35 billion versus $30.05 billion estimated by two analysts on average.Platform Analysis - Digital - Average loan receivables, including held for sale: $28.54 billion compared to the $28.8 billion average estimate based on two analysts.Platform Analysis - Diversified & Value - Purchase volume: $17.2 billion versus the two-analyst average estimate of $16.55 billion.Platform Analysis - Diversified & Value - Period-end loan receivables: $20.77 billion compared to the $20.52 billion average estimate based on two analysts.View all Key Company Metrics for Synchrony here>>>

Shares of Synchrony have returned -3% over the past month versus the Zacks S&P 500 composite's -0.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

Company Announces Quarterly Common Stock Dividend of $0.34 Per Share

, /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its second quarter 2026 results for the fiscal year ending June 30, 2026. The earnings news release and presentation can be found on the company's Investor Relations website at https://investors.synchrony.com/financial-information/financial-results.

Today at 8:00 a.m. Eastern Time, Brian Doubles, President and Chief Executive Officer, and Brian Wenzel Sr., Executive Vice President and Chief Financial Officer, will host a conference call to review the financial results and outlook for certain business drivers. The conference call can be accessed via an audio webcast through the investor relations website at www.investors.synchrony.com, under Events and Presentations. A replay will also be available on the website. 

The Company also announced that its Board of Directors (the "Board") declared a quarterly cash dividend of $0.34 per share of common stock. The dividend is payable on August 17, 2026 to holders of record at the close of business on August 5, 2026. The Board also declared a quarterly cash dividend on the outstanding shares of its 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A (the "Series A Preferred Stock"), 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B (the "Series B Preferred Stock") and 7.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C (the "Series C Preferred Stock"). Each outstanding share of the Series A Preferred Stock and Series B Preferred Stock is represented by depositary shares, each representing a 1/40th interest in a share. Each outstanding share of the Series C Preferred Stock is represented by depositary shares, each representing a 1/100th interest in a share. The dividends of approximately $14.06 per share on the Series A Preferred Stock (equivalent to $0.351563 per outstanding depositary share), approximately $20.63 per share on the Series B Preferred Stock (equivalent to $0.515625 per outstanding depositary share) and approximately $1,409.72 per share on the Series C Preferred Stock (equivalent to $14.09722 per outstanding depositary share) are payable on August 17, 2026 to holders of record at the close of business on August 5, 2026.

About Synchrony 
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.

Contacts 
Investor Relations: 
Kathryn Miller 
(203) 585-6291 
[email protected] 

Media Relations: 
Tyler Allen
(551) 370-2902
[email protected]

SOURCE Synchrony Financial

Key Takeaways SYF is expected to report Q2 revenue growth, despite a projected year-over-year EPS decline.Synchrony may benefit from higher purchase volumes, net interest margin and growth in key lending segments.SYF has a positive Earnings ESP, while higher operating costs may partially offset business gains. Consumer financial services company, Synchrony Financial (SYF - Free Report) , is set to report second-quarter 2026 results on July 21, before the opening bell. The Zacks Consensus Estimate for the to-be-reported quarter’s earnings is currently pegged at $2.02 per shareon revenues of $4.67 billion.

The second-quarter earnings estimate has witnessed no upward revision and three downward movements over the past 30 days. The bottom-line projection indicates a year-over-year decrease of 19.2%. The Zacks Consensus Estimate for quarterly revenues implies year-over-year growth of 3.4%.

Image Source: Zacks Investment Research

For full-year 2026, the Zacks Consensus Estimate for Synchrony’s revenues is pegged at $19.12 billion, implying an increase of 3.6% year over year. However, the consensus mark for the current year EPS is pegged at $9.34, signaling a decline of around 0.9% on a year-over-year basis.

SYF’s earnings beat the consensus estimate in three of the last four quarters and met once, with the average surprise being 20.7%.

Q2 Earnings Whispers for SYFOur proven model predicts a likely earnings beat for the company this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. That is precisely the case here.

Synchronyhas an Earnings ESP of +2.07% and carries a Zacks Rank #3 at present. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.

What’s Shaping SYF’s Q2 Results?Synchrony is expected to have seen advantages in the second quarter from increased net interest margin and higher purchase volumes. Our model predicts interest and fees on loans of $5.47 billion for the quarter, up 2.6% from a year ago. Higher figures from Health & Wellness and Digital are likely to have anchored the results.

The Zacks Consensus Estimate for net interest margin is pegged at 15.31%, up from 14.78% achieved a year ago, increasing its profitability. The consensus mark for total purchase volumes indicates 5.1% year-over-year growth. The Zacks Consensus Estimate indicates that the total average active accounts are likely to increase 1.2% in the second quarter.

The consensus mark for the net charge-offs ratio is pegged at 5.61, down from 5.70 a year ago. The above-mentioned factors are likely to have benefited the company in the second quarter, positioning it for an earnings beat.

However, Synchrony is expected to have incurred increased information processing and employee costs in the second quarter, partially offsetting the positives. Also, RSA is expected to have increased nearly 10% year over year in the second quarter. SYF is expected to have witnessed a 0.2% decrease in average interest-earning assets.

Other Stocks That Warrant a LookHere are some other companies worth considering from the broader Finance space, as our model shows that these, too, have the right combination of elements to beat on earnings this time around:

Brookfield Asset Management Ltd. (BAM - Free Report) has an Earnings ESP of +4.55% and a Zacks Rank of 3 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.

The Zacks Consensus Estimate for Brookfield Asset Management’s bottom line for the to-be-reported quarter is pegged at 44 cents per share, which indicates 15.8% year-over-year growth. The consensus estimate for BAM’s revenues is pegged at $1.49 billion, a 15.6% increase from a year ago.

American Express Company (AXP - Free Report) has an Earnings ESP of +0.73% and a Zacks Rank #3 at present.

The Zacks Consensus Estimate for AmEx’s bottom line for the to-be-reported quarter is pegged at $4.41 per share, which increased by 2 cents over the past week and indicates 8.1% year-over-year growth. The consensus estimate for AmEx’s revenues is pegged at $19.62 billion, a 9.9% increase from a year ago.

Virtu Financial, Inc. (VIRT - Free Report) has an Earnings ESP of +14.23% and a Zacks Rank of 3 at present.

The Zacks Consensus Estimate for Virtu Financial’s bottom line for the to-be-reported quarter is pegged at $1.59 per share, a growth of 3.9% from a year ago. The consensus estimate for VIRT’s revenues is pegged at $602.74 million, a 6.2% year-over-year jump.

New program enables eligible employees to earn associate degrees in HVAC, electrical, welding and more with tuition covered by the company

Women in the Trades Forum convenes industry leaders to strengthen the pipeline for tech‑enabled trade careers

, /PRNewswire/ -- At Synchrony's Women in the Trades forum, hosted with leading nonprofit partners, company leaders unveiled a new program enabling all U.S. employees, after three months of service, to earn a debt-free associate degree through community and technical college programs in high-demand fields like HVAC, electrical, plumbing and welding, building skills that support critical roles in data center operations and advanced mechanics. 

From left to right: On Tuesday, July 7, Synchrony leaders Theresa Kraus (moderator; SVP, Client Development and Sales Governance), Kelli Nesseth (SVP and GM), Marisa Diiorio (SVP, HR—Technology & Operations) and Fanaye Taye (SVP, HR) joined Kristin Gallup, 2025 President of Women in HVACR, for the Women in the Trades forum, sharing their career paths, leadership insights and ways to expand access to the high-demand skilled trades. Photo credit: Synchrony Demand for these roles is accelerating, with nearly 500,000 skilled trade jobs unfilled today in the U.S., and by 2030, another 2.1 million more positions could go unfilled. As smart systems, connected equipment and AI tools become standard, technicians are combining hands-on expertise with digital fluency, opening new opportunities in modern skilled trades.

"Skilled trades power our homes, businesses and local economies and provide an essential service to people and families, yet the talent gap is growing," said Kelli Nesseth, Senior Vice President and GM at Synchrony. "This program gives our people a debt-free associate degree pathway, building in-demand skills for the future across the industries we serve and opening doors, even to business ownership."

Held at Synchrony's Cincinnati-West Chester office, the Women in the Trades forum convened dozens of women leaders to share best practices in board-level training, mentorship and leadership, and to accelerate the next wave of skilled trade talent.

Behind the statistics are real families and neighborhoods. When technicians are scarce, urgent home repairs can take longer and cost more, delaying work that keeps homes safe and livable and putting basic fixes further out of reach for those who need them most. Filling these vital roles strengthens local economies and supports Synchrony's Home partners, especially the small and medium-sized businesses hit hardest by the skills shortage, by reducing backlogs, responding faster and growing local talent pipelines with job-ready credentials aligned to employer needs.

"Synchrony's new tuition program and scholarship support are the investments we need to help more people, including women, enter high-demand trade careers," said Jane Sidebottom, President of Women in HVACR (Heating, Ventilation, Air Conditioning and Refrigeration). "As the skills gap widens, building a job-ready pipeline is essential for the next generation of leaders and the customers and communities they'll serve."

Through a partnership with Bright Horizons EdAssist, Synchrony employees can pursue trade-focused associate degrees through a network of more than 20 technical colleges, community colleges and trade-school programs. The program offers flexible options including paid apprenticeships, employer-based training and hybrid or on-campus models with hands-on lab and shop learning.

Women in Trades Forum: Building the Pipeline and Future Skills

Synchrony's Women in the Trades forum convened leaders across HVAC, home improvement and home services to share talent and leadership strategies. Participants also gained practical skills in women's financial health, marketing and AI, including a budgeting workshop hosted by Synchrony's new employee-led Financial Literacy Service Corps.

Attendees included leaders from Women in HVACR, Women in the Flooring Industry, and National Women in Roofing; Bosch Home Comfort Group, Floor & Decor, Mitsubishi Electric Heating & Air Conditioning, Rheem, Roto-Rooter Plumbing & Water Cleanup and ServiceTitan; and trade professionals from technicians to small business owners.

Powering Skills for the Future

The new program builds on Synchrony's strong track record of preparing employees for future job-ready skills, while helping them pursue their personal and professional career goals through education, including:

Debt-free tuition: Up to $24K per year for degrees in high-demand fields, including education, health care and now skilled trades, building skills that power careers at Synchrony and across the industries the company serves Tech certifications: Up to $9K annually towards 12+ credentials aligned to critical skills Tech apprenticeships: 12-month pathway for non-traditional talent into Synchrony tech roles such as information security, AI and tech supplier management Building Pathways, Expanding Access in Communities

Synchrony continues to expand pathways to the skilled trades by supporting technical training. The Synchrony Foundation has donated $150,000 to Women in HVACR for scholarships and nearly $1 million to skilled trade programs nationwide since 2021. This work is part of Synchrony's Education as an Equalizer initiative to broaden access to education, skills training and financial literacy.

Frequently Asked Questions

Q1: Why is Synchrony launching a debt-free skilled trades associate degree program for employees?

A1: Synchrony is expanding its employee tuition program in response to employee feedback and growing workforce needs. The company previously expanded tuition support to high-demand fields such as healthcare and education and is now adding skilled trades, including HVAC, electrical, plumbing and welding. The program also helps address the skilled trades shortage while supporting the industries and communities Synchrony serves, including many small and midsize businesses in the home ecosystem.

Q2: How does this initiative help address the skilled trades shortage?

A2: The program provides eligible employees with access to debt-free associate degrees through more than 20 community colleges, technical colleges and trade school programs. By helping employees gain job-ready skills and industry-recognized credentials, the program supports workforce development in high-demand skilled trades while helping strengthen local talent pipelines that serve businesses and communities.

Q3: Who is eligible for the skilled trades associate degree program?

A3: Eligible U.S. employees can participate after three months of service. Through a partnership with Bright Horizons EdAssist, employees can pursue associate degrees in skilled trades including HVAC, electrical, plumbing, and welding through participating education providers, with flexible options including apprenticeships and hybrid learning.

Q4: How is Synchrony advancing skilled trades in communities?

A4: Synchrony is helping expand pathways into skilled trades through community investment and technical training. Since 2021, the Synchrony Foundation has donated nearly $1 million to skilled trade programs nationwide, including $150K to Women in HVACR for scholarships, as part of its Education as an Equalizer initiative.

About Synchrony

Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.

Media Contact

Angie Hu
[email protected]

SOURCE Synchrony

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Readers are advised to fact-check thoroughly before committing any capital to this idea; this reflects the personal views of the author and should not be pursued as formal financial or investment advice in any manner. While every effort has been made to ensure accuracy, errors may exist in the data and financial projections presented. The author is not responsible for any financial gains or losses incurred from investments made based on this content.

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A patient sits in the chair needing an implant or a set of extractions and can’t pay for it up front.

They have a steady income, a clean payment history, but no conventional credit file to show for it. To a traditional lender, they’re invisible. To the practice, they’re a treatment plan about to walk out the door.

A failing implant rarely arrives when a budget has room for it, and small practices have long lacked the tools to bridge that gap.

That’s changing. Financing partnerships now let small practices offer patients the same options that the big groups do, treating cost as something to solve at the point of care rather than a reason to walk treatment back.

In a conversation with PYMNTS CEO Karen Webster, Synchrony Health and Wellness CEO Beto Casellas and oral surgeon Dr. Priveer Sharma of Sharma Oral Surgery described financing as a tool that preserves access to care without turning treatment plans into negotiations over price.

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The Patients a Credit Score Misses The patient who can’t pay up front often isn’t a credit risk at all. More than 45 million Americans are credit invisible, Casellas said. They lack the conventional credit histories traditional lending models rely on, even though many hold steady jobs and pay their bills on time. A financing decision built on a credit score alone turns a payable patient into a declined one.

Synchrony has invested in alternative underwriting that weighs broader indicators like payment behavior and cash flow rather than leaning on a single credit bureau snapshot. For the patient in the chair, that can be the difference between an approval and a treatment plan deferred indefinitely.

The implication extends beyond one company. As healthcare financing develops, lenders are likely to experiment with richer data that recognizes responsible behavior outside conventional borrowing. Expanding access without weakening credit discipline could be one of the defining competitive questions of the next several years.

Underwriting decides who can be offered financing. How it’s presented decides whether they accept it. Sharma, whose Charlotte, North Carolina, practice handles wisdom teeth, implants and reconstructive work, said patients decide through a “relative value equation.”

“We really have to spend a lot of time talking to patients about education and creating value for why they’re doing something so they can appreciate the reasoning,” Sharma said.

Most patients in his office are trying to prevent future problems, not respond to immediate pain, he said.

Every purchase weighs benefit against cost. In dentistry, that means helping patients understand what preventive treatment avoids before discussing how to pay for it. Wisdom teeth often come out before pain develops, making education as important as the surgery.

“My role as an oral surgeon is creating that value proposition so that by the time we start talking about cost, we can use financing as an option,” Sharma said.

That shifts financing from a rescue mechanism to part of the initial consultation. Instead of presenting a large bill and waiting for resistance, financing becomes another way for patients to weigh how treatment fits their priorities.

Webster drew a parallel to online shopping. Patients now expect to see financing choices alongside the total cost, not discover them only after they hesitate.

Planning Is Rare, Even When Treatment Matters Most patients simply don’t prepare for dental expenses. Synchrony’s own research found that 75% of consumers don’t save in advance for dental procedures, and more than 1 in 4 postpone care over cost.

That’s why financing has become intertwined with preventive medicine. A patient who delays extraction, implants or reconstruction over cost often needs more extensive treatment later.

“We see that as bringing care more accessible and obviously making it more affordable,” Sharma said. “This is a support tool. Not a barrier to care.”

Why the Cost of Financing Is a Small Price to Pay Sharma’s most practical point concerned what happens when financing enters too late. Patients who can’t comfortably afford treatment start removing pieces of recommended care to hit a lower price, “nickel and diming” procedures until the clinical objective is compromised.

Presenting financing alongside treatment from the outset changes that. Patients can weigh monthly affordability without dismantling the plan. For the practice, the merchant cost of offering financing is a small price to pay. It’s what converts a hesitant patient into an accepted plan on the spot and keeps the full course of care intact, rather than watching it shrink to whatever the patient can pay that day.

Financing creates benefits beyond affordability. As Webster put it, “It also creates trust, which is a tangible intangible.” Solving the payment problem can strengthen referrals and reputations as much as clinical outcomes do.

That’s where the gap between small and large practices closes. Big groups have dedicated administrative staff to handle financing. Sharma said a financing partner gives an independent practice the same reach, the same ability to say yes at the chair, without building that infrastructure. For an independent practice, that’s the difference between competing for a case and conceding it.

Watch the full interview to learn more about:

How patient financing is changing the way providers present care. Why subscription-era spending habits are influencing healthcare decisions and treatment acceptance. How broader underwriting and greater transparency could reshape patient financing in the years ahead.

CPC Advisors LLC cut its stake in shares of Synchrony Financial (NYSE:SYF – Free Report) by 9.0% in the 4th quarter, according to its most recent Form 13F filing with the SEC. The fund owned 106,901 shares of the financial services provider’s stock after selling 10,573 shares during the period. Synchrony Financial accounts for about 0.9% of CPC Advisors LLC’s investment portfolio, making the stock its 26th biggest holding. CPC Advisors LLC’s holdings in Synchrony Financial were worth $8,919,000 as of its most recent filing with the SEC.

Other large investors have also recently bought and sold shares of the company. Bank of America Corp DE lifted its position in shares of Synchrony Financial by 34.6% in the second quarter. Bank of America Corp DE now owns 13,595,381 shares of the financial services provider’s stock valued at $907,356,000 after buying an additional 3,494,741 shares during the last quarter. Assetmark Inc. lifted its position in shares of Synchrony Financial by 48.3% in the third quarter. Assetmark Inc. now owns 4,349,059 shares of the financial services provider’s stock valued at $309,001,000 after buying an additional 1,416,909 shares during the last quarter. Worldquant Millennium Advisors LLC lifted its position in shares of Synchrony Financial by 222.5% in the second quarter. Worldquant Millennium Advisors LLC now owns 937,296 shares of the financial services provider’s stock valued at $62,555,000 after buying an additional 646,642 shares during the last quarter. Nordea Investment Management AB lifted its position in shares of Synchrony Financial by 13.0% in the fourth quarter. Nordea Investment Management AB now owns 5,134,903 shares of the financial services provider’s stock valued at $431,999,000 after buying an additional 592,567 shares during the last quarter. Finally, Danske Bank A S acquired a new stake in shares of Synchrony Financial in the third quarter valued at approximately $34,362,000. 96.48% of the stock is owned by institutional investors and hedge funds.

Key Synchrony Financial News Here are the key news stories impacting Synchrony Financial this week:

Positive Sentiment: Q1 EPS beat/operational drivers — SYF reported $2.27 EPS, above the prior consensus, driven by purchase-volume growth and an improved net interest margin (helping profit). Synchrony Q1 Earnings Match Estimates on Purchase Volume Growth Positive Sentiment: Shareholder returns increased — Company raised the quarterly dividend from $0.30 to $0.34 and approved a $6.5 billion share repurchase program, which is a clear positive for EPS per share over time. Synchrony Reports First Quarter 2026 Results Neutral Sentiment: FY‑2026 EPS guidance largely in line with Street — Management set FY26 EPS guidance of $9.10–$9.50 (consensus ≈ $9.24), a range that roughly brackets expectations and leaves limited upside surprise potential. (Guidance update released by the company.) Neutral Sentiment: Full disclosure & details available — Management materials (slide deck) and the earnings-call transcript provide color on portfolio trends, reserve levels and strategy; useful for modeling credit and margin assumptions. Synchrony Financial 2026 Q1 – Results – Earnings Call Presentation Neutral Sentiment: Monthly credit update posted — The company released unaudited monthly charge-off and delinquency statistics; investors should check these for early signs of stress or improvement. Synchrony Financial Posts Monthly Credit Performance Metrics Update Negative Sentiment: Revenue miss and year-over-year decline — Quarterly revenue was $3.70B versus consensus ~$3.81B and was down ~7.4% YoY, a top-line weakness that limits upside despite EPS beat. Synchrony Financial Q1 Results (MarketBeat) Negative Sentiment: Deposit decline and funding trends — Management noted a pullback in deposits, which can pressure funding costs and liquidity mix if sustained. Synchrony Q1 Earnings Match Estimates on Purchase Volume Growth Insider Buying and Selling at Synchrony Financial In related news, insider Darrell Owens sold 3,865 shares of Synchrony Financial stock in a transaction that occurred on Monday, March 2nd. The stock was sold at an average price of $67.71, for a total transaction of $261,699.15. Following the completion of the sale, the insider directly owned 17,432 shares of the company’s stock, valued at approximately $1,180,320.72. This trade represents a 18.15% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is accessible through the SEC website. Also, insider Curtis Howse sold 7,882 shares of Synchrony Financial stock in a transaction that occurred on Monday, March 2nd. The stock was sold at an average price of $67.71, for a total value of $533,690.22. Following the sale, the insider directly owned 94,873 shares of the company’s stock, valued at approximately $6,423,850.83. The trade was a 7.67% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders sold a total of 379,928 shares of company stock worth $26,170,764 in the last 90 days. Company insiders own 0.33% of the company’s stock.

Synchrony Financial Stock Performance NYSE:SYF opened at $77.77 on Wednesday. The stock has a market cap of $27.03 billion, a P/E ratio of 8.37, a PEG ratio of 0.69 and a beta of 1.39. The stock has a 50 day simple moving average of $69.78 and a 200 day simple moving average of $74.68. The company has a current ratio of 1.24, a quick ratio of 1.24 and a debt-to-equity ratio of 0.98. Synchrony Financial has a 1-year low of $46.13 and a 1-year high of $88.77.

Synchrony Financial (NYSE:SYF – Get Free Report) last released its quarterly earnings results on Tuesday, April 21st. The financial services provider reported $2.27 earnings per share for the quarter, topping the consensus estimate of $2.14 by $0.13. The business had revenue of $3.70 billion during the quarter, compared to analysts’ expectations of $3.81 billion. Synchrony Financial had a return on equity of 23.07% and a net margin of 15.72%.The firm’s revenue for the quarter was down 7.4% compared to the same quarter last year. During the same period last year, the firm posted $1.89 EPS. Synchrony Financial has set its FY 2026 guidance at 9.100-9.500 EPS. Research analysts anticipate that Synchrony Financial will post 9.28 earnings per share for the current year.

Synchrony Financial declared that its board has approved a share buyback program on Tuesday, April 21st that authorizes the company to buyback $0.00 in outstanding shares. This buyback authorization authorizes the financial services provider to reacquire shares of its stock through open market purchases. Stock buyback programs are often an indication that the company’s board of directors believes its shares are undervalued.

Synchrony Financial Announces Dividend The company also recently declared a quarterly dividend, which will be paid on Friday, May 15th. Investors of record on Tuesday, May 5th will be issued a dividend of $0.30 per share. This represents a $1.20 annualized dividend and a yield of 1.5%. The ex-dividend date of this dividend is Tuesday, May 5th. Synchrony Financial’s dividend payout ratio (DPR) is presently 12.92%.

Analyst Ratings Changes A number of analysts have recently issued reports on the company. Robert W. Baird raised Synchrony Financial from a “neutral” rating to an “outperform” rating and set a $83.00 price objective for the company in a research report on Friday, February 13th. Wall Street Zen cut Synchrony Financial from a “buy” rating to a “hold” rating in a research report on Saturday, January 31st. Truist Financial cut their price objective on Synchrony Financial from $84.00 to $71.00 and set a “hold” rating for the company in a research report on Monday, March 23rd. TD Cowen raised their price objective on Synchrony Financial from $91.00 to $100.00 and gave the company a “buy” rating in a research report on Thursday, January 8th. Finally, Royal Bank Of Canada cut their price objective on Synchrony Financial from $91.00 to $85.00 and set a “sector perform” rating for the company in a research report on Wednesday, January 28th. One investment analyst has rated the stock with a Strong Buy rating, thirteen have issued a Buy rating and six have given a Hold rating to the stock. According to data from MarketBeat, the stock presently has an average rating of “Moderate Buy” and a consensus target price of $85.00.

Read Our Latest Stock Analysis on Synchrony Financial

Synchrony Financial Company Profile (Free Report)

Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite.

Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences.

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Key Takeaways BFH Q1 EPS of $4.18 beat estimates by 39.3%, rising 49% y/y.Bread Financial revenues rose 5% on higher credit sales, pricing actions and margin expansion. BFH net interest margin climbed 120 bps to 19.3%, while expenses dipped 1%. Bread Financial Holdings, Inc. (BFH - Free Report) reported first-quarter 2026 operating income of $4.18 per share, outperforming the Zacks Consensus Estimate by 39.3%. The bottom line rose 49% year over year.

Revenues increased 5% from the prior-year level to $1 billion, exceeding the consensus estimate by 1.1%. The solid performance reflected higher revenues, driven by pricing actions and increased credit sales, along with an improved net interest margin. However, gains were partially offset by elevated operating expenses and higher compensation costs.

Behind the HeadlinesCredit sales of $6.5 billion increased 7% year over year, driven by new partner growth and increased general-purpose spending. Average loan increased 1% to $18.3 billion, and end-of-period loans rose 2% to $18.1 billion, supported by strong credit sales and partner expansion.

Total interest income increased 2% to $1.2 billion, missing the Zacks Consensus Estimate by 0.4%, and our model estimate by 2.1%. The net interest margin improved 120 basis points to 19.3%, whereas the Zacks Consensus Estimate was pegged at 18.2%.

Total non-interest expenses decreased 1% to $472 million, aided by cost discipline and a data processing credit, partly offset by higher compensation costs. The delinquency rate of 5.6% improved from 5.9% year over year.

The net loss rate of 7.3% improved 83 basis points year over year. Pre-tax pre-provision earnings increased 11% year over year to $546 million.

Adjusted PPNR, a non-GAAP financial measure that excludes gains on portfolio sales and the impact of debt repurchases, increased 11% year over year to $546  million.

Financial UpdateBread Financial exited the first quarter 2026 with cash and cash equivalents of $3.6 billion, down 1% from the 2025-end level.

Tangible book value was $61.57 per share as of March 31, 2026, up 26% year over year. Return on average equity was 21.2%, which increased 350 basis points year over year.

Capital DeploymentBFH repurchased $150 million, or 2 million shares, of common stock during the first quarter of 2026. It also increased its share repurchase authorization by $600 million, bringing the total capacity to $690 million at the quarter-end

BFH’s 2026 GuidanceManagement expects average loan growth to increase year over year at a low-single-digit rate.

It expects total revenues to grow at a low-single-digit pace, broadly in line with loan growth.

The net loss rate is expected to be 7.2-7.4%.

The effective tax rate is anticipated to be 25-27%, with some quarterly variability.

BFH’s Zacks RankBread Financial currently sports a Zacks Rank #1 (Strong Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.

Performance of Another PeerSynchrony Financial (SYF - Free Report) reported first-quarter 2026 adjusted earnings per share (EPS) of $2.27, in line with the Zacks Consensus Estimate. The bottom line increased 20.1% year over year.

Net interest income reached $4.64 billion, up 3.8% from the prior-year period but missed the consensus estimate by 0.5%.

Upcoming ReleasesVirtu Financial (VIRT - Free Report) is set to report first-quarter 2026 results on April 29, before market open. The Zacks Consensus Estimate for 2026 earnings is pegged at $5.62 per share, reflecting four upward revisions and no downward revisions over the past 30 days.

The consensus estimate for 2026 revenues is pinned at $2.05 billion. VIRT surpassed earnings estimates in the trailing four quarters, delivering an average surprise of 18.6%.

Atlantic Real Estate (REFI - Free Report) is set to report first-quarter 2026 results on May 7, before market open. The Zacks Consensus Estimate for 2026 earnings is pegged at $1.91 per share, indicating a 1.6% year-over-year increase.

The consensus estimate for 2026 revenues is pinned at $53.8 million. REFI surpassed earnings estimates in the trailing four quarters, delivering an average surprise of 6.1%.

The MyLowe's Pro Rewards American Express® Card, Available Today, Is Designed to Help Pro Customers Maximize Rewards and Savings at Lowe's and on Everyday Business Purchases 

, /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer financing company, today announced an expanded co-brand partnership with Lowe's (NYSE: LOW), with Synchrony now issuing the MyLowe's Pro Rewards American Express® Card. The new card complements the existing MyLowe's Pro Rewards Credit Card, which can be used only in Lowe's stores. The new card can be used anywhere American Express (NYSE: AXP) is accepted, helping extend Pro purchasing power and rewards earning potential beyond Lowe's.

The new MyLowe’s Pro Rewards American Express® Card can be used anywhere American Express is accepted, helping extend Pro purchasing power and rewards earning potential beyond Lowe's. Starting today, Pro customers can apply for the MyLowe's Pro Rewards American Express® Card in store or at Lowes.com/businesscredit. The card offers MyLowe's Pro rewards points1 on eligible purchases and a variety of other benefits, including no annual fee. American Express will continue serving as the payment network for the MyLowe's Pro Rewards American Express® Card program.

"Bringing the Lowe's commercial co-brand credit card under our umbrella with Synchrony allows us to deliver a truly seamless experience – simpler applications, smarter digital servicing and flexible financing to help meet the needs of Lowe's professional customers," said Curtis Howse, EVP & CEO, Home & Auto, Synchrony. "Our priority is delivering tangible everyday value for customers who rely on Lowe's."

"By expanding our card-issuing relationship with Synchrony and leveraging the American Express Network for this card, we're continuing to strengthen our offering for small-to-medium Pros and deliver value through MyLowe's Pro Rewards," said Brandon J. Sink, Lowe's CFO. "We're making it faster and easier for Pros to shop and keep their businesses running smoothly, with flexible financing tailored to their project needs."

"American Express is pleased to announce our partnership with Synchrony and build on our longstanding relationship with Lowe's through the MyLowe's Pro Rewards American Express® Card," said Will Stredwick, EVP and GM of Global Network Services for North America at American Express. "The card will offer professionals a compelling way to earn rewards, backed by the security and benefits of our American Express Network."

For more information, Lowe's Pro customers may call 866-796-1609.

Disclaimer:
1 Points: Points are awarded on Qualifying Purchases that have been settled and fulfilled up to $1.5M annual qualifying spend per year. Visit Lowes.com/Terms for additional restrictions and full details. Subject to change.

About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.

About Lowe's
Lowe's Companies, Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company with total fiscal 2025 sales of more than $86 billion. Lowe's employs approximately 300,000 associates and operates over 1,750 home improvement stores, 540 branches and 120 distribution centers. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com.  

About American Express
American Express (NYSE: AXP) is a global payments and premium lifestyle brand powered by technology. Our colleagues around the world back our customers with differentiated products, services, and experiences that enrich lives and build business success. Founded in 1850 and headquartered in New York, American Express' brand is built on trust, security, service, and a rich history of delivering innovation and Membership value for our customers. We seek to provide the world's best customer experience every day to a broad range of consumers, small and medium-sized businesses, and large corporations, and we build and manage relationships with millions of merchants across our global network. For more information about American Express, visit americanexpress.com, americanexpress.com/en-us/newsroom/, and ir.americanexpress.com. 

Contacts:

Lauren Devilbiss
Synchrony
[email protected]

Steve Salazar
Lowe's
[email protected]

Melissa Filipek
American Express
[email protected] 

SOURCE Synchrony

On May 11, 2026, Synchrony Financial (SYF) shares fell 3.9% to a current price of $70.28. This decline contributes to a year-to-date drop of 15.1%, despite a 1-

On May 20, 2026, Synchrony Financial (SYF) shares rose 3.8% to $72.05. The stock has experienced a 52-week range of $55.67 to $88.77, reflecting significant vol

Resources Investor Relations Journalists Agencies Client Login Send a Release News Products Contact , /PRNewswire/ -- Synchrony (NYSE: SYF) Chief Financial Officer, Brian J. Wenzel, will participate in a fireside chat at the Morgan Stanley US Financials Conference on Tuesday, June 9, 2026 at 7:30 a.m. (Eastern Time).

A live webcast and replay will be made available on the Synchrony Investor Relations website at www.investors.synchrony.com. 

About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation's most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is honored to be ranked the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.

Contact:

Investor Relations
Kathryn Miller
(203) 585-6291                   

Media Relations
Ashley Tufts
(203) 216-6277

SOURCE Synchrony

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