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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Synchrony Financial (SYF) investor relations material
Synchrony Financial Barclays 23rd Annual Global Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Barclays 23rd Annual Global Financial Services Conference summary10 Sep, 2025
Consumer spending and credit trends
Positive momentum in consumer spending, especially in cosmetics, electronics, and clothing, with average transaction values and frequencies rising in Q3.
Digital, diversified value, and health/wellness platforms are showing improved growth, while home, auto, and lifestyle segments remain under pressure but are stabilizing.
Portfolio mix has shifted toward super prime consumers, leading to higher payment rates and improved credit quality.
Non-prime payment rates are improving, and overall consumer resilience is noted across income and generational lines.
No adverse impact observed from consumers with student loans; performance remains consistent with the broader portfolio.
Credit performance and outlook
Delinquency rates have stabilized and remain better than 2017–2019 averages, with loss rates predictable and within target ranges.
Credit restrictions have helped reduce loss rates, and there is consideration to gradually open credit aperture for growth.
Net charge-off guidance for the year is 5.6–5.8%, aligning with long-term targets.
Reserve coverage is expected to trend downward if credit performance remains strong, though macroeconomic and geopolitical uncertainties persist.
Strategic partnerships and growth initiatives
Recent Amazon renewal and upcoming Walmart partnership are expected to drive future growth, with Walmart launch anticipated later this year.
Walmart program is positioned for a stronger value proposition, better credit quality, and higher revenue yield compared to previous iterations.
Full rollout of Walmart card expected by year-end, with significant financial impact projected for 2026 and beyond.
Competitive environment remains robust, but digital capabilities and product breadth are key differentiators.
98% of top 25 partnerships are secured through 2027 or later, providing stability.
What drives higher revenue yield for Walmart card?
What specific factors support the NCO guide?
Key drivers for H2 NIM expansion?
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Next Synchrony Financial earnings date
Q3 202515 Oct, 2025
Next Synchrony Financial earnings date
Q3 202515 Oct, 2025
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Frequently asked questions
Consumer Financial Services
Synchrony Financial is an American consumer financial services company, primarily focusing on the U.S. market. Synchrony provides a range of credit products through its partnerships with retailers, manufacturers, healthcare providers, and other businesses. These products mainly include private-label credit cards, dual cards, and general-purpose co-branded credit cards. Additionally, Synchrony offers promotional financing, installment lending, loyalty services, and more. The company is headquartered in Stamford, Connecticut, and its shares are traded on the NYSE.
Spin-Off
Synchrony Financial originates from GE Capital Retail Finance, which was founded in 1932 when General Electric began offering consumer financing. Over the decades, GE Capital expanded its services, evolving into a key player in consumer credit. In 2014, GE restructured, leading to the spin-off of its North American retail finance business as Synchrony Financial. This move was part of GE's strategy to reduce reliance on its financial arm and focus on its industrial core. Since then Synchrony Financial has become an established player in private-label credit cards, store-branded cards, and consumer financial services, offering similar services and products as companies such as American Express and Capital One.
What They Do
Synchrony Financial's core business is centered around consumer financial services, with a strong emphasis on offering credit products. It is a leading issuer of private label credit cards in the United States, catering to a wide array of retail sectors including home furnishings, electronics, and healthcare. These credit products include store-branded cards, dual cards, and general-purpose co-branded credit cards, which are developed in partnership with major retailers and service providers. In addition to credit card services, Synchrony Financial specializes in promotional financing and installment lending. The company also owns and operates a banking subsidiary.
The Banking Arm
Synchrony Bank, the aforementioned banking subsidiary of the parent company, specializes in offering online savings products. It provides high-yield savings accounts, which generally have higher interest rates than traditional ones. The bank also offers certificates of deposit (CDs) with various terms for fixed interest rate savings, and money market accounts that blend features of savings and checking accounts.
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