Synchrony Financial operates as a consumer financial services company in the United States. It provides a range of specialized financing programs and consumer banking products to digital, retail, home, auto, travel, health, and pet industries. The company also offers private label credit cards, dual cards, general purpose co-branded credit cards, and small and medium-sized business credit products; and promotional financing for consumer purchases, such as private label credit cards, dual cards, and installment loans. In addition, it provides promotional financing to consumers for health, veterinary and personal care procedures, and services and products, such as dental, vision, audiology, and cosmetic; debt cancellation products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. Synchrony Financial was incorporated in 2003 and is headquartered in Stamford, Connecticut.
IPO Year: 2014
Exchange: NYSE
Website: synchrony.com
| Date | Price Target | Rating | Analyst |
|---|---|---|---|
| 2/13/2026 | $83.00 | Neutral → Outperform | Robert W. Baird |
| 1/28/2026 | $96.00 | Neutral → Buy | Compass Point |
| 12/8/2025 | $92.00 | Outperform | Wolfe Research |
| 12/5/2025 | $82.00 | Outperform → Neutral | Robert W. Baird |
| 10/10/2025 | $81.00 | Hold → Buy | HSBC Securities |
| 10/7/2025 | $75.00 | Overweight → Neutral | Analyst |
| 8/1/2025 | $72.00 | Neutral | Rothschild & Co Redburn |
| 7/14/2025 | $100.00 | Neutral → Buy | BTIG Research |
| 4/7/2025 | $44.00 | Overweight → Equal-Weight | Morgan Stanley |
| 1/28/2025 | $70.00 | Buy → Neutral | Compass Point |
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Key Highlights:Homeowners expect to spend about $70,000 on lifetime home maintenance costs, while actual costs exceed $339,000 (or more than $7,000 per year).Nearly half of homeowners have delayed or canceled repairs due to economic pressure, driving higher long-term costs.7 in 10 homeowners lack adequate repair reserves for inevitable emergency repairs.STAMFORD, Conn., March 18, 2026 /PRNewswire/ -- Synchrony (NYSE:SYF), a leading consumer financing company, today released findings from its new national study, Lifetime of Home Care. The study reveals a significant gap between what homeowners expect to spend on home maintenance and repairs and what they are likely to pay over a lifetime, lea
Executive Advisory Board now includes more than 30 senior leaders from Fortune 500 and global enterprisesNEW YORK, March 11, 2026 /PRNewswire/ -- Myriad Venture Partners ("Myriad"), an early-stage venture capital firm focused on defining the future of business solutions in enterprise AI, enterprise B2B software, and industrial transformation, today announced the expansion of its Executive Advisory Board, bringing the Board to more than 30 C-suite leaders from Fortune 500 and global enterprises. New executives joining the Board include leaders from GSK, Mastercard, Harley-Davidson, Meta, Oracle, and other global companies, further strengthening Myriad's hands-on model and deepening its ties t
STAMFORD, Conn., March 3, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF) Chief Financial Officer, Brian J. Wenzel, will participate in a fireside chat at the 2026 RBC Capital Markets Global Financial Institutions Conference on Tuesday, March 10, 2026 at 10:00 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 SynchronySynchrony (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 cr
Synchrony survey finds approximately a third of consumers used AI for finding products and dealsKey Highlights 56% of U.S. consumers surveyed report using generative AI during the holiday shopping seasonAmong those users, AI-powered product discovery and deal hunting were the top holiday shopping use cases, accounting for approximately a third of generative AI usage across all age demographics75% of U.S. consumers surveyed are taking more time to find the best price, signaling AI may play a larger role in shopping, payments, loyalty, and financing decisionsSTAMFORD, Conn., March 2, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced key
Longstanding Collaboration Continues to Support Dealers and Consumers with Innovative Financing ToolsKey Highlights:Synchrony and Polaris renewed their financing partnership, extending a relationship that has supported Polaris customers and dealers for nearly 20 years.Synchrony provides promotional financing and installment loans for vehicles, parts, accessories, gear, and vehicle service and protection products through Polaris' nationwide dealer network.Polaris dealers have access to Synchrony's full range of industry-specific products and digital tools, including Synchrony PRISM, which enables data-driven underwriting to support responsible credit access and dealer success.STAMFORD, Conn.
Fourth quarter total revenue of $63.4 million, up 17.0% year over year Full year total revenue of $239.0 million, up 17.0% year over year Fourth quarter GAAP gross margin of 72.7%, up 60 basis points year over year Full year GAAP gross margin of 72.1%, up 70 basis points year over year Fourth quarter Non-GAAP gross margin of 73.3%, up 70 basis points year over year Full year Non-GAAP gross margin of 72.7%, up 80 basis points year over year Full year net cash provided by operating activities was $17.5 million, up $3.4 million year over year Full year free cash flow was $12.9 million, up $2.5 million year over year Weave Communications, Inc. ("Weave") (NYSE:WEAV), a l
Integration will provide healthcare practices and patients with real-time financing insights that drive earlier treatment opt-in Weave (NYSE:WEAV), a leading all-in-one customer experience and payments software platform for small and medium-sized healthcare businesses, today announced a partnership with Synchrony (NYSE:SYF), a leading consumer financial services company, to integrate the company's leading patient financing solution, CareCredit. This integration streamlines practice operations and helps patients to confidently opt in to treatments sooner with both clearer and easier access to financing. Procedures often present a financial barrier for patients when insurance coverage fal
CareCredit is now the preferred financing solution across Planet DDS platforms, including Denticon for dental practices, with Cloud 9 orthodontic integration planned to bring financing to 2,500+ practicesKey Highlights:CareCredit is the preferred patient financing solution across all Planet DDS platforms, including Denticon for dental practices and Cloud 9 for orthodontic practices.The partnership lays the foundation for future integrated financing, helping Planet DDS practices plan for more efficient financial workflows and smoother patient payment experiences.The integration brings CareCredit financing to thousands of Planet DDS practices, including 2,500+ Cloud 9 orthodontic practices and
In the news release, Drivers Underestimate the Annual Cost of Car Ownership by More Than $4,500, New Synchrony Survey Finds, issued 17-Feb-2026 by Synchrony over PR Newswire, we are advised by the company that both gas and insurance are the biggest contributors to annual car spend, according to the survey. The text and infographic have been updated to include the average annual cost for gas, $1,956. The complete, updated release follows: Drivers Underestimate the Annual Cost of Car Ownership by More Than $4,500, New Synchrony Survey Finds Understanding Actual Costs Helps Car Owners Better Plan for Expenses and Manage BudgetsKey Highlights:Car owners dramatically underestimate the cost of car
Understanding Actual Costs Helps Car Owners Better Plan for Expenses and Manage BudgetsKey Highlights:Car owners dramatically underestimate the cost of car ownership and should prepare for the full scope of vehicle expenses.Rising costs are shifting consumer behavior, with people keeping cars longer and multicar households declining.Greater understanding of costs and flexible financing options that let drivers pay over time will help drivers better manage vehicle expenses.STAMFORD, Conn., Feb. 17, 2026 /PRNewswire/ -- Synchrony's (NYSE: SYF) new Cost of Car Ownership survey reveals drivers are paying nearly 167% more per year than expected to keep their current vehicles on the road.[1] This
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Robert W. Baird upgraded Synchrony Financial from Neutral to Outperform and set a new price target of $83.00
Compass Point upgraded Synchrony Financial from Neutral to Buy and set a new price target of $96.00
Wolfe Research resumed coverage of Synchrony Financial with a rating of Outperform and set a new price target of $92.00
Robert W. Baird downgraded Synchrony Financial from Outperform to Neutral and set a new price target of $82.00
HSBC Securities upgraded Synchrony Financial from Hold to Buy and set a new price target of $81.00
Analyst downgraded Synchrony Financial from Overweight to Neutral and set a new price target of $75.00
Rothschild & Co Redburn initiated coverage of Synchrony Financial with a rating of Neutral and set a new price target of $72.00
BTIG Research upgraded Synchrony Financial from Neutral to Buy and set a new price target of $100.00
Morgan Stanley downgraded Synchrony Financial from Overweight to Equal-Weight and set a new price target of $44.00
Compass Point downgraded Synchrony Financial from Buy to Neutral and set a new price target of $70.00
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Live Leadership Updates
Strategic leader and boardroom veteran enhances expertise in health and wellness, and consumer retail STAMFORD, Conn., Sept. 29, 2025 /PRNewswire/ -- Synchrony Financial (NYSE: SYF), a premier consumer financial services company, today announced Deborah Ellinger, a former CEO and experienced board member with extensive experience across multiple industries, including health and wellness and retail, has been appointed to Synchrony's Board of Directors, effective October 1, 2025. "I am delighted to join the Synchrony Board," said Ms. Ellinger. "The Company is committed to drivin
Includes a limited-time offer for customers to pay for travel purchases over six months with promotional financing and no minimum spend1 SAN JOSE, Calif., June 3, 2025 /PRNewswire/ -- Today, PayPal announced that PayPal Credit can now be used everywhere with the introduction of a new physical card, issued by Synchrony (NYSE:SYF). This expands its popular digital PayPal Credit offering to use both online when checking out with PayPal and in-store and everywhere Mastercard® is accepted. When using the new physical card, customers will also have access to a limited-time offer to
Seasoned executive deepens financial, risk and strategic expertise STAMFORD, Conn., Sept. 17, 2024 /PRNewswire/ -- Synchrony Financial (NYSE: SYF), a premier consumer financial services company, today announced Daniel Colao, a retired financial services executive with over 30 years of industry experience, has been appointed to Synchrony's Board of Directors, effective October 1, 2024. "We're thrilled to welcome Dan back to the Synchrony Board of Directors," said Brian Doubles, President and Chief Executive Officer. Mr. Colao previously served on the Company's Board from Februa
Synchrony Expands Leadership in the Pet Industry Through Ownership Stake in IPH; Two Synchrony Executives to Join IPH Board of Directors PHOENIX and STAMFORD, Conn., March 6, 2024 /PRNewswire/ -- Independence Pet Holdings, Inc. ("IPH"), a leading multi-brand, multi-channel pet insurance provider, and Synchrony (NYSE:SYF), a premiere consumer financial services company, today announced that IPH has completed the acquisition of Pets Best Insurance Services, LLC ("Pets Best") from Synchrony. Synchrony received a portion of the consideration as an equity investment in IPH and committed to enter into a commercial agreement with IPH, both of which will help expand IPH's activities in the pet indus
STAMFORD, Conn., Sept. 2, 2022 /PRNewswire/ -- Synchrony (NYSE:SYF), a premier consumer financial services company, today announced Will Graylin has resigned from its Board of Directors. Graylin is leaving to focus on leading OV Loop, an everywhere-commerce super-app company he founded, and Indigo Tech, a next generation EV company powered by road sensing smart-wheels, where he serves as Chairman and Chief Executive Officer. Graylin, who has been a Synchrony Board member since 2015, has no disagreements with the Company and is leaving on good terms. "On behalf of our Board and
NASHVILLE, Tenn., April 6, 2022 /PRNewswire/ -- Phosphorus Cybersecurity™, the leading provider of full scope security for Internet of Things devices, is pleased to announce the appointment of security industry luminary Art Coviello Jr. as Chairman of its Board of Directors. Coviello's appointment reflects his belief in Phosphorus Cybersecurity™ as the only company with a robust and proven security solution for protecting the Internet of Things from malicious cyber attacks and insider attacks. Coviello will provide strategic guidance to Phosphorus Cybersecurity™'s executive l
Leading technology and operations executive brings additional expertise in payments and financial services STAMFORD, Conn., April 4, 2022 /PRNewswire/ -- Synchrony (NYSE:SYF), a premier consumer financial services company, today announced Kamila Chytil has been appointed to Synchrony's board of directors, effective April 1. "We're excited to welcome Kamila to the Synchrony Board of Directors," said Brian Doubles, Synchrony president and chief executive officer. "Kamila brings extensive expertise in electronic payments technology and operations and will be a valuable member of
STAMFORD, Conn., Jan. 12, 2021 /PRNewswire/ -- Synchrony (NYSE: SYF) today announced Margaret Keane, Chief Executive Officer, will transition to the role of Executive Chair of the Board of Directors of Synchrony. Synchrony's Board of Directors unanimously elected Brian Doubles, President, to become President and Chief Executive Officer and a member of the Board of Directors. Both appointments are effective April 1, 2021. Synchrony (NYSE: SYF), a leading consumer finance company, announced today that its Board of Directors approved a planned succession process that will become effective on April 1, 2021. Margaret Keane (left), Synchrony’s CEO, will transition from CEO to Executi
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Fourth quarter total revenue of $63.4 million, up 17.0% year over year Full year total revenue of $239.0 million, up 17.0% year over year Fourth quarter GAAP gross margin of 72.7%, up 60 basis points year over year Full year GAAP gross margin of 72.1%, up 70 basis points year over year Fourth quarter Non-GAAP gross margin of 73.3%, up 70 basis points year over year Full year Non-GAAP gross margin of 72.7%, up 80 basis points year over year Full year net cash provided by operating activities was $17.5 million, up $3.4 million year over year Full year free cash flow was $12.9 million, up $2.5 million year over year Weave Communications, Inc. ("Weave") (NYSE:WEAV), a l
Company also declares preferred stock dividends STAMFORD, Conn., Jan. 27, 2026 /PRNewswire/ -- Synchrony Financial (NYSE:SYF) today announced its fourth quarter 2025 results for the fiscal year ending December 31, 2025. 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
STAMFORD, Conn., Jan. 6, 2026 /PRNewswire/ -- Synchrony (NYSE:SYF) plans to report its fourth quarter 2025 results on Tuesday, January 27, 2026. The earnings release and presentation materials are scheduled to be released and posted to the Investor Relations section of the Company's website, www.investors.synchrony.com, at approximately 6:00 a.m. Eastern Time. A conference call to discuss Synchrony's results will be held at 8:00 a.m. Eastern Time on that day; the live audio webcast and replay can be accessed through the same website under Events and Presentations. About Synch
Company also declares preferred stock dividends STAMFORD, Conn., Oct. 23, 2025 /PRNewswire/ -- Synchrony Financial (NYSE:SYF) announced today that its Board of Directors declared a quarterly cash dividend of $0.30 per share of common stock, payable on November 17, 2025, to holders of record at the close of business on November 5, 2025. The Board of Directors 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") and 8.250% Fixed Rate Reset Non-Cumulative Pe
STAMFORD, Conn., Oct. 15, 2025 /PRNewswire/ -- Synchrony Financial (NYSE:SYF) today announced its third quarter 2025 results for the period ending September 30, 2025. 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 c
STAMFORD, Conn., Sept. 17, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its third quarter 2025 results on Wednesday, October 15, 2025. The earnings release and presentation materials are scheduled to be released and posted to the Investor Relations section of the Company's website, www.investors.synchrony.com, at approximately 6:00 a.m. Eastern Time. A conference call to discuss Synchrony's results will be held at 8:00 a.m. Eastern Time on that day; the live audio webcast and replay can be accessed through the same website under Events and Presentations. About S
Company also declares preferred stock dividends STAMFORD, Conn., July 22, 2025 /PRNewswire/ -- Synchrony Financial (NYSE:SYF) today announced second quarter 2025 results for the period ending June 30, 2025. The Earnings 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
STAMFORD, Conn., June 24, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its second quarter 2025 results on Tuesday, July 22, 2025. The earnings release and presentation materials are scheduled to be released and posted to the Investor Relations section of the Company's website, www.investors.synchrony.com, at approximately 6:00 a.m. Eastern Time. A conference call to discuss Synchrony's results will be held at 8:00 a.m. Eastern Time on that day; the live audio webcast and replay can be accessed through the same website under Events and Presentations. About Synchrony Synchrony (NYSE:SYF) is a leading consumer financing company at the heart of American commerce and opportunity.
Company also declares preferred stock dividends STAMFORD, Conn., April 22, 2025 /PRNewswire/ -- Synchrony Financial (NYSE:SYF) today announced first quarter 2025 results for the period ending March 31, 2025. The Earnings 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
STAMFORD, Conn., April 1, 2025 /PRNewswire/ -- Synchrony (NYSE:SYF) plans to report its first quarter 2025 results on Tuesday, April 22, 2025. The earnings release and presentation materials are scheduled to be released and posted to the Investor Relations section of the Company's website, www.investors.synchrony.com, at approximately 6:00 a.m. Eastern Time. A conference call to discuss Synchrony's results will be held at 8:00 a.m. Eastern Time on that day; the live audio webcast and replay can be accessed through the same website under Events and Presentations. About Synchro
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