Company Reports

Synchrony reported solid third-quarter earnings, with diluted EPS of $2.68, down from $2.86 a year ago, as net income declined 17%. Return on equity remained robust at 21.0%, comfortably above the firm's cost of capital.

Synchrony Financial partners with retailers and medical providers to offer promotional financing as well as private-label and co-branded general-purpose credit cards. While the company’s CareCredit cards and installment loans have consistently performed well, its private-label and co-branded credit cards, co-marketed through partnerships with retailers, can often face material headwinds when retail sales suffer.

Synchrony Financial partners with retailers and medical providers to offer promotional financing as well as private-label and co-branded general-purpose credit cards. While the company’s CareCredit cards and installment loans have consistently performed well, its private-label and co-branded credit cards, co-marketed through partnerships with retailers, can often face material headwinds when retail sales suffer.

Synchrony reported decent second-quarter earnings, with diluted EPS of $2.59, up from $2.50 a year ago despite net income declining 8% thanks to a much lower share count. These results translate into a strong return on equity of 21.4%, well above the firm's cost of capital.

The Federal Reserve released its annual stress test results on June 24. With stronger results than last year, albeit in a less severe scenario, shares of the 32 tested banks generally traded upward, though the movement was muted.

Synchrony Financial partners with retailers and medical providers to offer promotional financing as well as private-label and co-branded general-purpose credit cards. While the company’s CareCredit cards and installment loans have consistently performed well, its private-label and co-branded credit cards, co-marketed through partnerships with retailers, can often face material headwinds when retail sales suffer.

Synchrony Financial partners with retailers and medical providers to offer promotional financing as well as private-label and co-branded general-purpose credit cards. While the company’s CareCredit cards and installment loans have consistently performed well, its private-label and co-branded credit cards, co-marketed through partnerships with retailers, can often face material headwinds when retail sales suffer.

Synchrony reported $2.27 of diluted earnings per share, up from $1.89 last year. Return on equity also increased 110 basis points to 19.5%.

Synchrony Financial partners with retailers and medical providers to offer promotional financing as well as private-label and co-branded general-purpose credit cards. While the company’s CareCredit cards and installment loans have consistently performed well, its private-label and co-branded credit cards, co-marketed through partnerships with retailers, can often face material headwinds when retail sales suffer.

Synchrony reported decent fourth-quarter earnings, with diluted earnings per share rising to $2.04, from $1.91 last year, despite the company benefiting from reserve releases last year. These results translate to a return on equity of 17.6%.

On Jan. 9 President Donald Trump called for a temporary 10% cap on credit card interest rates, effective Jan. 20. Consumer finance shares are trading sharply lower in response.

2025 has been a good year for Synchrony, with low credit costs and lower spending on retailer share arrangements more than offsetting the bank's anemic loan growth.

Synchrony Financial partners with retailers and medical providers to offer promotional financing as well as private-label and co-branded general-purpose credit cards. While the company’s CareCredit cards and installment loans have consistently performed well, its private-label and co-branded credit cards, co-marketed through partnerships with retailers, can often face material headwinds when retail sales suffer.

Synchrony reported impressive third-quarter results with earnings per share rising to $2.86 from $1.94 last year, which translates to a return on equity of 25.1%. Flat revenue was more than offset by lower credit costs, which fell $451 million, as consumer credit quality improves industrywide.

Synchrony reported good second-quarter earnings, despite a 2% decrease in net revenue from last year to $3.65 billion. Lower revenue was more than offset by a sharp drop in credit costs, which pushed net income 50% higher to $967 million.

Synchrony Financial partners with retailers and medical providers to offer promotional financing as well as private-label and co-branded general-purpose credit cards. While the company’s CareCredit cards and installment loans have consistently performed well, its private-label and co-branded credit cards, co-marketed through partnerships with retailers, can often face material headwinds when retail sales suffer.

Synchrony Financial reported solid first-quarter results, with earnings per share rising to $1.89 from an adjusted $1.18 last year. This quarter's net income was supported by a $97 million credit reserve release and translates to an 18.4% return on equity.

Synchrony Financial partners with retailers and medical providers to offer promotional financing as well as private-label and co-branded general-purpose credit cards. While the company’s CareCredit cards and installment loans have consistently performed well, its private-label and co-branded credit cards, co-marketed through partnerships with retailers, can often face material headwinds when retail sales suffer.

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.

Synchrony Financial partners with retailers and medical providers to offer promotional financing as well as private-label and co-branded general-purpose credit cards. While the company’s CareCredit cards and installment loans have consistently performed well, its private-label and co-branded credit cards, co-marketed through partnerships with retailers, can often face material headwinds when retail sales suffer.