Synchrony Financial

SYF: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Synchrony Financial: Light at the End of the Credit Cost Tunnel; Our FVE up to $53 From $48

Michael Miller

Jan 29, 2025

Strong operating cost management, credit card program renewals, and improving credit trends more than offset low loan growth for Synchrony in 2024. The bank is in a solid position for 2025, though the potential for new credit card late fee rules remains a point of uncertainty.

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