Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results and should be read in conjunction with the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.investors.synchrony.com) and the SEC's website (www.sec.gov). All references to net earnings and net income are intended to have the same me ...

[Financial Summary](index=1&type=section&id=FINANCIAL%20SUMMARY) This section presents a comprehensive overview of Synchrony Financial's Q1 2025 financial performance, detailing significant declines in net earnings and revenue, alongside changes in common share metrics [Earnings Overview](index=1&type=section&id=EARNINGS) Synchrony Financial reported a significant decrease in net earnings and net revenue for Q1 2025 compared to Q1 2024, primarily driven by a substantial reduction in other income. Provision for credit losses also decreased | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------- | :------------------ | :------------------ | :---------- | :--------- | | Net interest income | 4,464 | 4,405 | 59 | 1.3 % | | Retailer share arrangements | (895) | (764) | (131) | 17.1 % | | Other income | 149 | 1,157 | (1,008) | (87.1)% | | Net revenue | 3,718 | 4,798 | (1,080) | (22.5)% | | Provision for credit losses | 1,491 | 1,884 | (393) | (20.9)% | | Net earnings | 757 | 1,293 | (536) | (41.5)% | [Common Share Statistics](index=1&type=section&id=COMMON%20SHARE%20STATISTICS) Diluted EPS saw a notable decline year-over-year, while book value and tangible book value per share increased. The company maintained its dividend per share and continued share repurchases | Metric | Mar 31, 2025 | Mar 31, 2024 | Change | Change (%) | | :--------------------------- | :----------- | :----------- | :----------- | :--------- | | Basic EPS | $1.91 | $3.17 | $(1.26) | (39.7)% | | Diluted EPS | $1.89 | $3.14 | $(1.25) | (39.8)% | | Dividend declared per share | $0.25 | $0.25 | — | — % | | Book value per share | $40.37 | $35.03 | $5.34 | 15.2 % | | Tangible book value per share| $34.79 | $30.36 | $4.43 | 14.6 % | | Shares repurchased (millions)| (9.8) | (7.5) | (2.3) | 30.7 % | [Selected Metrics](index=2&type=section&id=SELECTED%20METRICS) This section analyzes key performance, credit quality, business, and liquidity metrics, revealing declines in profitability and business volumes, alongside improved liquidity and mixed credit trends [Performance Metrics](index=2&type=section&id=PERFORMANCE%20METRICS) Key performance indicators like Return on Assets and Return on Equity decreased significantly year-over-year, while Net Interest Margin slightly improved. The efficiency ratio worsened | Metric | Mar 31, 2025 | Mar 31, 2024 | Change (%) | | :------------------------------- | :----------- | :----------- | :--------- | | Return on assets | 2.5 % | 4.4 % | (1.9)% | | Return on equity | 18.4 % | 35.6 % | (17.2)% | | Return on tangible common equity | 22.4 % | 43.6 % | (21.2)% | | Net interest margin | 14.74 % | 14.55 % | 0.19 % | | Efficiency ratio | 33.4 % | 25.1 % | 8.3 % | [Credit Quality Metrics](index=2&type=section&id=CREDIT%20QUALITY%20METRICS) Credit quality metrics showed a slight increase in net charge-offs as a percentage of average loan receivables, but a decrease in 30+ and 90+ days past due percentages. Allowance for credit losses remained relatively stable | Metric | Mar 31, 2025 | Mar 31, 2024 | Change (%) | | :-------------------------------------------------------- | :----------- | :----------- | :--------- | | Net charge-offs as a % of average loan receivables | 6.38 % | 6.31 % | 0.07 % | | 30+ days past due as a % of period-end loan receivables | 4.52 % | 4.74 % | (0.22)% | | 90+ days past due as a % of period-end loan receivables | 2.29 % | 2.42 % | (0.13)% | | Allowance for credit losses (period-end) ($M) | 10,828 | 10,905 | (0.7)% | [Business Metrics](index=2&type=section&id=BUSINESS%20METRICS) Purchase volume and period-end loan receivables experienced a slight decline year-over-year, as did the number of average active accounts | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :---------------------------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Purchase volume | 40,720 | 42,387 | (1,667) | (3.9)% | | Period-end loan receivables | 99,608 | 101,733 | (2,125) | (2.1)% | | Average loan receivables, including held for sale | 101,021 | 100,957 | 64 | 0.1 % | | Period-end active accounts (in thousands) | 67,787 | 70,754 | (2,967) | (4.2)% | [Liquidity](index=2&type=section&id=LIQUIDITY) The company's liquidity position improved, with increases in cash and equivalents and total liquid assets, leading to a higher percentage of liquid assets relative to total assets | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :---------------------------------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Cash and equivalents | 21,629 | 20,021 | 1,608 | 8.0 % | | Total liquid assets | 23,817 | 21,929 | 1,888 | 8.6 % | | Liquid assets % of total assets | 19.52 % | 18.10 % | | 1.42 % | [Statements of Earnings](index=3&type=section&id=STATEMENTS%20OF%20EARNINGS) This section details the components of the statement of earnings, highlighting a slight increase in net interest income offset by a substantial decrease in other income, leading to a significant decline in net earnings [Interest Income and Expense](index=3&type=section&id=Interest%20Income%20and%20Expense) Net interest income increased slightly year-over-year, driven by a modest rise in interest and fees on loans and a decrease in total interest expense, particularly from deposits | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Interest and fees on loans | 5,312 | 5,293 | 19 | 0.4 % | | Total interest income | 5,550 | 5,568 | (18) | (0.3)% | | Interest on deposits | 882 | 954 | (72) | (7.5)% | | Total interest expense | 1,086 | 1,163 | (77) | (6.6)% | | Net interest income | 4,464 | 4,405 | 59 | 1.3 % | [Other Income and Expense](index=3&type=section&id=Other%20Income%20and%20Expense) Total other income saw a drastic reduction, primarily due to a significant decrease in the 'Other' category, which was largely offset by a slight increase in total other expense | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Interchange revenue | 238 | 241 | (3) | (1.2)% | | Protection product revenue | 147 | 141 | 6 | 4.3 % | | Other (within Total other income) | 75 | 1,094 | (1,019) | (93.1)% | | Total other income | 149 | 1,157 | (1,008) | (87.1)% | | Total other expense | 1,243 | 1,206 | 37 | 3.1 % | [Net Earnings](index=3&type=section&id=Net%20Earnings) Net earnings and net earnings available to common stockholders both declined significantly year-over-year, reflecting the changes in revenue and expenses | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Earnings before provision for income taxes | 984 | 1,708 | (724) | (42.4)% | | Provision for income taxes | 227 | 415 | (188) | (45.3)% | | Net earnings | 757 | 1,293 | (536) | (41.5)% | | Net earnings available to common stockholders | 736 | 1,282 | (546) | (42.6)% | [Statements of Financial Position](index=4&type=section&id=STATEMENTS%20OF%20FINANCIAL%20POSITION) This section outlines the company's financial position, showing a slight increase in total assets driven by cash, a stable liability base, and growth in total equity primarily from retained earnings [Assets](index=4&type=section&id=Assets) Total assets increased slightly, driven by higher cash and equivalents, while total loan receivables decreased. Goodwill also saw an increase | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Cash and equivalents | 21,629 | 20,021 | 1,608 | 8.0 % | | Total loan receivables | 99,608 | 101,733 | (2,125) | (2.1)% | | Loan receivables, net | 88,780 | 90,828 | (2,048) | (2.3)% | | Goodwill | 1,274 | 1,073 | 201 | 18.7 % | | Total assets | 122,026 | 121,173 | 853 | 0.7 % | [Liabilities and Equity](index=4&type=section&id=Liabilities%20and%20Equity) Total liabilities remained stable, with a slight decrease in deposits and a rise in borrowings. Total equity increased, primarily due to higher retained earnings | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Total deposits | 83,435 | 83,554 | (119) | (0.1)% | | Total borrowings | 17,009 | 16,133 | 876 | 5.4 % | | Total liabilities | 105,445 | 105,891 | (446) | (0.4)% | | Retained earnings | 22,209 | 19,790 | 2,419 | 12.2 % | | Total equity | 16,581 | 15,282 | 1,299 | 8.5 % | [Average Balances, Net Interest Income and Net Interest Margin](index=5&type=section&id=AVERAGE%20BALANCES,%20NET%20INTEREST%20INCOME%20AND%20NET%20INTEREST%20MARGIN) This section examines average balances of interest-earning assets and interest-bearing liabilities, demonstrating an increase in net interest income and an expansion of the net interest margin [Interest-Earning Assets](index=5&type=section&id=Interest-Earning%20Assets) Average interest-earning assets increased slightly, with loan receivables remaining stable. The overall yield on interest-earning assets saw a minor decrease | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :---------------------------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Average Interest-earning cash and equivalents | 18,539 | 17,405 | 1,134 | 6.5 % | | Total loan receivables, including held for sale | 101,021 | 100,957 | 64 | 0.1 % | | Total interest-earning assets | 122,791 | 121,794 | 997 | 0.8 % | | Yield on Total interest-earning assets | 18.33 % | 18.39 % | | (0.06)% | [Interest-Bearing Liabilities](index=5&type=section&id=Interest-Bearing%20Liabilities) Average interest-bearing liabilities slightly decreased, and the average rate on these liabilities also declined, contributing to improved net interest income | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Average Interest-bearing deposit accounts | 82,370 | 82,598 | (228) | (0.3)% | | Total interest-bearing liabilities | 98,411 | 98,611 | (200) | (0.2)% | | Rate on Total interest-bearing liabilities | 4.48 % | 4.74 % | | (0.26)% | [Net Interest Income and Margin](index=5&type=section&id=Net%20Interest%20Income%20and%20Margin) Net interest income increased, and the net interest margin expanded year-over-year, reflecting favorable movements in interest-earning assets and interest-bearing liabilities | Metric | Mar 31, 2025 | Mar 31, 2024 | Change (%) | | :----------------- | :----------- | :----------- | :--------- | | Net interest income| $4,464 | $4,405 | 1.3 % | | Net interest margin| 14.74 % | 14.55 % | 0.19 % | [Balance Sheet Statistics](index=6&type=section&id=BALANCE%20SHEET%20STATISTICS) This section presents key balance sheet statistics, including growth in common and tangible equity, and improved regulatory capital ratios, indicating a stronger capital position [Common Equity and Tangible Equity](index=6&type=section&id=Common%20Equity%20and%20Tangible%20Equity) Both total common equity and tangible common equity, along with tangible book value per share, showed healthy year-over-year growth | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :------------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Total common equity | 15,359 | 14,060 | 1,299 | 9.2 % | | Tangible common equity | 13,238 | 12,187 | 1,051 | 8.6 % | | Tangible book value per share | $34.79 | $30.36 | $4.43 | 14.6 % | [Regulatory Capital Ratios](index=6&type=section&id=REGULATORY%20CAPITAL%20RATIOS) The company's regulatory capital ratios, including Total risk-based, Tier 1 risk-based, Tier 1 leverage, and Common equity Tier 1, all improved year-over-year, indicating a stronger capital position | Metric | Mar 31, 2025 | Mar 31, 2024 | | :---------------------------- | :----------- | :----------- | | Total risk-based capital ratio| 16.5 % | 15.8 % | | Tier 1 risk-based capital ratio| 14.4 % | 13.8 % | | Tier 1 leverage ratio | 12.4 % | 12.0 % | | Common equity Tier 1 capital ratio| 13.2 % | 12.6 % | - Regulatory capital ratios at March 31, 2025, are preliminary and subject to change[14](index=14&type=chunk) - Capital ratios for 2025 reflect **100% of the phase-in of CECL effects**, compared to **75% in 2024**[15](index=15&type=chunk) [Platform Results](index=7&type=section&id=PLATFORM%20RESULTS) This section provides a detailed breakdown of performance across various business platforms, revealing mixed trends in purchase volume and loan receivables, with a notable overall decline in other income [Home & Auto](index=7&type=section&id=HOME%20%26%20AUTO) The Home & Auto platform experienced declines in both purchase volume and period-end loan receivables, while interest and fees on loans saw a modest increase | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Purchase volume | 9,567 | 10,512 | (945) | (9.0)% | | Period-end loan receivables | 30,460 | 32,615 | (2,155) | (6.6)% | | Interest and fees on loans | 1,413 | 1,382 | 31 | 2.2 % | [Digital](index=7&type=section&id=DIGITAL) The Digital platform showed a slight decrease in purchase volume but maintained stable period-end loan receivables. Interest and fees on loans saw a minor decline | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Purchase volume | 12,479 | 12,628 | (149) | (1.2)% | | Period-end loan receivables | 27,765 | 27,734 | 31 | 0.1 % | | Interest and fees on loans | 1,544 | 1,567 | (23) | (1.5)% | [Diversified & Value](index=7&type=section&id=DIVERSIFIED%20%26%20VALUE) The Diversified & Value platform experienced a decrease in purchase volume and a slight reduction in period-end loan receivables, alongside a decline in interest and fees on loans | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Purchase volume | 13,732 | 14,023 | (291) | (2.1)% | | Period-end loan receivables | 19,436 | 19,559 | (123) | (0.6)% | | Interest and fees on loans | 1,178 | 1,214 | (36) | (3.0)% | [Health & Wellness](index=7&type=section&id=HEALTH%20%26%20WELLNESS) The Health & Wellness platform saw a decrease in purchase volume but an increase in period-end loan receivables and interest and fees on loans, indicating growth in its loan portfolio | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Purchase volume | 3,774 | 3,980 | (206) | (5.2)% | | Period-end loan receivables | 15,193 | 15,065 | 128 | 0.8 % | | Interest and fees on loans | 914 | 869 | 45 | 5.2 % | [Lifestyle](index=7&type=section&id=LIFESTYLE) The Lifestyle platform experienced a decrease in purchase volume but a slight increase in period-end loan receivables and interest and fees on loans | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Purchase volume | 1,168 | 1,244 | (76) | (6.1)% | | Period-end loan receivables | 6,636 | 6,604 | 32 | 0.5 % | | Interest and fees on loans | 261 | 255 | 6 | 2.4 % | [Total SYF](index=7&type=section&id=TOTAL%20SYF) Overall, Synchrony Financial saw a decrease in total purchase volume and period-end loan receivables, while total interest and fees on loans remained relatively stable. Total other income significantly declined | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :-------------------------- | :---------------- | :---------------- | :---------- | :--------- | | Purchase volume | 40,720 | 42,387 | (1,667) | (3.9)% | | Period-end loan receivables | 99,608 | 101,733 | (2,125) | (2.1)% | | Interest and fees on loans | 5,312 | 5,293 | 19 | 0.4 % | | Other income | 149 | 1,157 | (1,008) | (87.1)% | [Corp, Other](index=7&type=section&id=CORP,%20OTHER) The 'Corp, Other' category showed a significant decrease in other income, likely reflecting the impact of the Pets Best gain on sale from the prior year | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | Change ($M) | Change (%) | | :----------- | :---------------- | :---------------- | :---------- | :--------- | | Other income | (2) | 1,061 | (1,063) | (100.2)% | [Reconciliation of Non-GAAP Measures and Calculations of Regulatory Measures](index=8&type=section&id=RECONCILIATION%20OF%20NON-GAAP%20MEASURES%20AND%20CALCULATIONS%20OF%20REGULATORY%20MEASURES) This section reconciles GAAP to non-GAAP measures and details calculations for regulatory capital and asset metrics, highlighting the company's capital structure and compliance [Common Equity and Regulatory Capital Measures](index=8&type=section&id=COMMON%20EQUITY%20AND%20REGULATORY%20CAPITAL%20MEASURES) The reconciliation shows an increase in tangible common equity and all key regulatory capital components year-over-year, reflecting a stronger capital base | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | | :-------------------------- | :---------------- | :---------------- | | GAAP Total equity | 16,581 | 15,282 | | Tangible common equity | 13,238 | 12,187 | | Common equity Tier 1 | 13,446 | 12,985 | | Tier 1 capital | 14,668 | 14,207 | | Total Risk-based capital | 16,798 | 16,347 | [Asset Measures](index=8&type=section&id=ASSET%20MEASURES) Total average assets for leverage purposes increased, while risk-weighted assets decreased year-over-year | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | | :------------------------------ | :---------------- | :---------------- | | Total average assets | 120,493 | 119,034 | | Total assets for leverage purposes | 118,598 | 117,976 | | Risk-weighted assets | 101,625 | 103,242 | [CECL Fully Phased-in Capital Measures](index=8&type=section&id=CECL%20FULLY%20PHASED-IN%20CAPITAL%20MEASURES) CECL fully phased-in Tier 1 capital and risk-weighted assets show an improved capital position, with the full phase-in of CECL effects in 2025 | Metric | Mar 31, 2025 ($M) | Mar 31, 2024 ($M) | | :---------------------------------------- | :---------------- | :---------------- | | Tier 1 capital (CECL fully phased-in) | 14,668 | 13,634 | | Risk-weighted assets (CECL fully phased-in) | 101,625 | 102,952 | - Capital ratios for 2025 reflect **100% of the phase-in of CECL effects**, compared to **75% in 2024**[20](index=20&type=chunk) [Tangible Book Value Per Share Reconciliation](index=8&type=section&id=TANGIBLE%20BOOK%20VALUE%20PER%20SHARE) Tangible book value per share increased significantly year-over-year, reflecting growth in common equity adjusted for goodwill and intangible assets | Metric | Mar 31, 2025 | Mar 31, 2024 | | :-------------------------- | :----------- | :----------- | | Book value per share | $40.37 | $35.03 | | Tangible book value per share| $34.79 | $30.36 | [Adjusted Financial Measures (Non-GAAP)](index=9&type=section&id=RECONCILIATION%20OF%20NON-GAAP%20MEASURES%20%28Continued%29) This section presents adjusted financial measures for Q1 2024, excluding the Pets Best gain on sale, to provide a clearer view of core operational performance [Adjusted Financial Measures (Excluding Pets Best Gain on Sale)](index=9&type=section&id=ADJUSTED%20FINANCIAL%20MEASURES) This section provides adjusted financial measures for Q1 2024, excluding the one-time gain on sale of Pets Best. These adjustments significantly reduce reported net earnings, EPS, and return metrics, while increasing the efficiency ratio, providing a clearer view of core operational performance | Metric | March 31, 2024 (Reported) | Pets Best gain on sale impact | March 31, 2024 (Adjusted) | | :-------------------------------------- | :------------------------ | :---------------------------- | :------------------------ | | Net earnings | $1,293 | $(802) | $491 | | Diluted earnings per share | $3.14 | $(1.96) | $1.18 | | Return on assets | 4.4 % | (2.7)% | 1.7 % | | Return on equity | 35.6 % | (21.8)% | 13.8 % | | Return on tangible common equity | 43.6 % | (26.8)% | 16.8 % | | Efficiency ratio | 25.1 % | 7.2 % | 32.3 % |

Financial Results - Synchrony Financial announced its first quarter 2025 results for the period ending March 31, 2025 [1] - A conference call will be hosted by the CEO and CFO to review financial results and outlook [2] Dividends - The Board declared a quarterly cash dividend of $0.30 per share of common stock, representing a 20% increase [3] - Dividends for Series A Preferred Stock are approximately $14.06 per share and for Series B Preferred Stock are approximately $20.63 per share, both payable on May 15, 2025 [3] Share Repurchase Program - The Board approved a share repurchase program of up to $2.5 billion, set to commence in the second quarter of 2025 through June 30, 2026 [4] Company Overview - Synchrony is a leading consumer financing company, providing access to credit and banking products for nearly 100 years [5] - The company supports the growth of over 400,000 small and midsize businesses and is ranked as the 2 Best Company to Work For by Fortune magazine [5]

Core Viewpoint - Synchrony Financial (SYF) is expected to report first-quarter 2025 results on April 22, 2025, with earnings estimated at $1.66 per share and revenues of $4.55 billion, indicating a year-over-year earnings increase of 40.7% and revenue growth of 3.4% [1][2] Financial Performance Estimates - The Zacks Consensus Estimate for Synchrony's total revenues in 2025 is $18.62 billion, reflecting a year-over-year rise of 3.4% [2] - The consensus estimate for current year EPS is $7.58, suggesting a year-over-year increase of approximately 15% [2] - Synchrony has beaten the consensus estimate for earnings in three of the last four quarters, with an average surprise of 2.8% [2] Earnings Prediction - The model predicts a likely earnings beat for Synchrony, supported by a positive Earnings ESP of +1.29% and a Zacks Rank of 3 (Hold) [3] Factors Influencing Q1 Results - Expected advantages in Q1 include increased net interest margin and average active accounts, with net interest income estimated to grow by around 3% year-over-year [4] - The total average active accounts are projected to have risen marginally in Q1 [5] - An increase in Average Interest-Earning Assets is anticipated, with a consensus estimate indicating a 3.4% rise from the previous year [6] - The net interest margin is expected to improve to 14.76%, up from 14.55% a year ago, enhancing profitability [6] Challenges and Concerns - Despite positive factors, Synchrony is expected to face increased information processing and professional fees, along with a slight decline in purchase volumes [7] - The Zacks Consensus Estimate for total purchase volumes indicates a 0.1% year-over-year decline due to selective consumer spending and credit actions [8] - The efficiency ratio is projected at 32.46%, indicating a deterioration from the prior year's figure of 25.1% [8] - Net charge-offs are likely to have substantially increased in the quarter [8]

Group 1 - Synchrony has announced a multi-year extension of its agreement to manage the credit programs for American Eagle Outfitters, enhancing the consumer financing experience for customers [1][3] - The Real Rewards credit card allows customers to earn rewards when shopping at American Eagle and Aerie, both online and in-store, with the Visa version usable anywhere Visa is accepted [3] - The Real Rewards program has been recognized as one of America's Best Loyalty Programs by Newsweek for five consecutive years, and the Real Rewards Credit Card was named Money's Best Retail Credit Card: In-Store Rewards for 2025 [4] Group 2 - Synchrony is a leading consumer financing company that has been serving the needs of people and businesses for nearly 100 years, providing access to credit and banking products [5] - American Eagle Outfitters, Inc. is a global specialty retailer with a portfolio of brands that promote inclusivity and authenticity, offering high-quality products [6] - AEO operates stores in the United States, Canada, and Mexico, and has a strong e-commerce presence across its brands [7]

Wall Street analysts expect Synchrony (SYF) to post quarterly earnings of $1.66 per share in its upcoming report, which indicates a year-over-year increase of 40.7%. Revenues are expected to be $4.55 billion, up 3.4% from the year-ago quarter.Over the last 30 days, there has been a downward revision of 6% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of this timeframe.Pr ...

Core Viewpoint - Synchrony Financial has extended its partnership with Ashley, North America's largest furniture store brand, to continue providing exclusive financing options for Ashley customers, enhancing customer experience and driving growth [1][2][5]. Group 1: Partnership Details - The renewed agreement allows Synchrony to remain the exclusive financing provider for Ashley, offering various promotional financing options including deferred interest plans and fixed monthly payment solutions with terms from six to 72 months [2][4]. - The partnership extends to over 750 independent Ashley licensee locations, ensuring broad access to Synchrony's financing program [2]. Group 2: Benefits and Growth Potential - The partnership is expected to leverage advanced data analytics to improve insights into consumer behavior and promotional effectiveness, which can enhance overall program performance [3]. - Synchrony plans to invest in technology to provide a seamless credit application experience across both physical and digital shopping platforms, catering to evolving consumer needs [4]. - The renewal is anticipated to strengthen customer relationships, potentially leading to increased credit lines, repeat sales, and higher customer lifetime value [5]. Group 3: Financial Impact - Increased utilization of the Ashley Advantage Credit Card may result in growth in interest and fees from Synchrony's Home & Auto sales platform, which accounted for 27% of SYF's total interest and fees on loans for 2024 [6]. - Synchrony Financial's shares have increased by 17.7% over the past year, outperforming the industry average growth of 0.1% [7].

Core Insights - Synchrony and Ashley have renewed their strategic partnership to enhance retail growth and provide flexible financing options for consumers [1][4][6] - The partnership, which began in 2010, has enabled millions of Ashley customers to finance their purchases through the Ashley Advantage™ Credit Card [2][3] - Synchrony remains the exclusive financing provider for Ashley, offering various promotional financing terms ranging from six to 72 months [3][4] Partnership Benefits - The renewed partnership aims to improve customer accessibility to home furnishings through innovative financing solutions and data-driven marketing initiatives [4][8] - Synchrony will continue to invest in technology to ensure a seamless credit application process across Ashley's in-store and digital platforms [8] - Advanced data and analytics will empower Ashley's corporate and licensee networks to make strategic decisions that enhance customer retention and conversion [8] Company Profiles - Ashley is the largest furniture store brand in North America, with over 1,100 store locations in 70 countries [7] - Synchrony is a premier consumer financial services company, providing a comprehensive suite of digitally enabled products across various industries [9]

Synchrony Financial (NYSE: SYF ), once spun off from General Electric, is known for its store credit cards and payment solutions for retailers. The current economic climate with high interest rates, high expected inflation, and cautious consumers makes it a challenging situationI'm a passionate investor from the Netherlands with 12 years of stock market experience. My articles usually contain a good overview of important investment criteria. A stock for my portfolio is of interest to me if the company has t ...

Consumer financial services company Synchrony Financial (SYF) is gaining attention as its earnings estimates for 2025 and 2026 have moved higher over the past week. The company delivered a strong fourth-quarter 2024 performance, driven by increased interest and fees on loans and an expanding loan receivables portfolio. Lower expenses also benefited the results, leading to an improved efficiency ratio in the fourth quarter.Analysts Turn Bullish on SynchronyWall Street analysts are turning bullish on the stoc ...