Core Insights - Analysts expect Synchrony (SYF) to report quarterly earnings of $1.90 per share, reflecting an 84.5% year-over-year increase, with revenues projected at $4.57 billion, up 2.2% from the previous year [1] - The consensus EPS estimate has been adjusted upward by 0.6% over the past 30 days, indicating a reassessment of projections by analysts [1][2] Earnings Estimates - The 'Efficiency Ratio' is predicted to reach 34.8%, down from 36% in the same quarter last year [4] - 'Net interest margin' is expected to be 14.7%, compared to 15.1% in the same quarter of the previous year [4] Loan Receivables and Charge-offs - Analysts estimate 'Total Average Loan receivables, including held for sale' at $102.83 billion, up from $99.68 billion a year ago [5] - 'Net charge-offs as a percentage of average loan receivables' is projected to be 6.3%, an increase from 5.6% in the previous year [5] Purchase Volume and Loan Receivables - 'Total Purchase Volume' is expected to reach $47.73 billion, down from $49.34 billion reported last year [6] - 'Total Period-end loan receivables' is estimated at $104.86 billion, compared to $102.99 billion a year ago [6] Interest-Earning Assets - 'Total interest-earning assets - Average Balance' is projected to be $125.01 billion, up from $117.34 billion in the previous year [7] Platform Analysis - 'Platform Analysis - Digital - Period-end loan receivables' is expected to be $29.19 billion, compared to $28.93 billion last year [7] - 'Platform Analysis - Home & Auto - Average loan receivables, including held for sale' is projected at $32.49 billion, up from $31.72 billion a year ago [8] - 'Platform Analysis - Diversified & Value - Purchase volume' is expected to be $16.63 billion, down from $16.99 billion last year [8] Stock Performance - Synchrony shares have increased by 5.8% over the past month, outperforming the Zacks S&P 500 composite, which rose by 2.7% [10]

Strategic Partnership Extension - Synchrony has signed a multi-year extension of its strategic credit card program with Sam's Club, continuing a relationship that has lasted over 30 years [1] - The partnership focuses on transforming shopping and credit experiences while creating value for Sam's Club members [1] Credit Card Program Scope - Synchrony will continue to issue consumer, business, and commercial credit cards for Sam's Club across 600 locations in the U.S. and Puerto Rico, as well as on SamsClub.com and the Sam's Club mobile app [2] Member Experience Enhancements - Synchrony and Sam's Club are collaborating to offer seamless member experiences and invest in strategic technology to improve access to products and services [3] - The Sam's Club credit card is designed to make shopping easy, secure, and convenient while helping members earn rewards [3] Digital and Payment Innovations - Synchrony integrates with Sam's Club's Scan & Go™ technology, allowing members to scan items, purchase with their credit card via mobile devices, skip checkout lines, and exit through designated arches [6] - Synchrony's SyPI and dApply technologies enable members to apply for credit, make transactions, and manage accounts within the Sam's Club app [6] Rewards Program - Sam's Club Mastercard® offers industry-leading rewards, including 5% cash back on fuel (up to $6,000 annually), 3% on dining, and 1% on other purchases [6] - Plus members earn an additional 3% back on Sam's Club purchases using the Mastercard®, combined with 2% from their Plus membership, totaling up to 5% rewards on eligible purchases [6] - Rewards are automatically loaded into membership accounts and can be used for future purchases or exchanged for cash back [6]

Partnership Expands Payment Choices with Private Label and Dual Card Credit Programs for KnitWell's Fashion Brands' Customers STAMFORD, Conn., Jan. 22, 2025 /PRNewswire/ -- KnitWell Group, a leading portfolio of iconic American fashion brands, has selected Synchrony (NYSE: SYF), a premier consumer financial services company, as a strategic provider for consumer financing. The multi-year partnership includes rewards and flexible financing options for three brands — Chico's, WHBM and Soma. KnitWell Group, ...

Synchrony Financial (SYF) stock is currently trading at a notable discount relative to the Zacks Financial Miscellaneous Servicesindustry. With a forward 12-month price-to-earnings (P/E) ratio of 10.26, it sits well below the industry average of 16.18. The company has a Value Score of A.Image Source: Zacks Investment ResearchIn comparison, companies like Bread Financial Holdings, Inc. (BFH) and StoneX Group Inc. (SNEX) are trading at a P/E ratio of 9.31 and 12.94, respectively. Given SYF’s valuation, we nee ...

Synchrony Financial and Apple Pay Integration - Synchrony Financial has enabled the Pay Later feature of Apple Pay for eligible Synchrony Preferred Mastercard, Synchrony Plus World Mastercard, and Synchrony Premier World Mastercard holders, offering flexibility in payment options [1] - Cardholders must add their Synchrony Mastercard to Apple Wallet to use Apple Pay, and during checkout, they can select the Pay Later option to view promotional offers [2] - Apple Pay ensures a secure and private payment experience, as transaction details remain confidential and are not stored by Apple [3] Expansion Plans and Customer Benefits - Synchrony plans to extend the fixed monthly payment option to a broader range of Apple Pay users and will allow customers to view and redeem rewards during checkout later this year [4] - The move aims to provide greater choice and flexibility at checkout, potentially boosting consumer purchasing power by offering financing solutions that avoid lump-sum payments [5] Financial Impact and Growth Potential - The integration of simplified digital transactions and diversified credit needs is expected to attract new customers and retain existing ones, potentially increasing Synchrony's loan interest and fees, which grew by 10.5% year-over-year in the first nine months of 2024 [6] - Synchrony's digital and analytics expertise, supported by acquisitions, partnerships, and tech investments, has strengthened its position and secured agreements with leading retailers and manufacturers [7] Share Price Performance and Industry Comparison - Synchrony's shares have gained 89.6% in the past year, significantly outperforming the industry's 24.5% growth [8] - The company currently holds a Zacks Rank 3 (Hold) [8] Other Finance Stocks to Consider - Intercorp Financial Services (IFS) has a Zacks Rank 1 (Strong Buy) and has seen its 2025 earnings estimate improve by 48.2% from 2024, with revenue growth expected at 9% [10] - Ameriprise Financial (AMP) holds a Zacks Rank 2 (Buy) and has a 2025 earnings estimate improvement of 14.6% from 2024, with revenue growth projected at 7.6% [11] - Civista Bancshares (CIVB) also holds a Zacks Rank 2 (Buy) and has a 2025 earnings estimate improvement of 8.2% from 2024, with revenue growth expected at 6.4% [12] - Shares of Intercorp Financial Services, Ameriprise Financial, and Civista Bancshares have gained 28.2%, 45.8%, and 21.8%, respectively, in the past year [13]

Synchrony Financial (SYF) recently announced its partnership with Pet Paradise, a pet care provider, to expand access to a plethora of care for pets. Through this partnership, SYF’s CareCredit health and wellness credit card can be used to pay for services like day camp packages, dog training, and extended boarding stays at 60 Pet Paradise locations by 2025-end.With this partnership, SYF is solidifying its position as the preferred financing solution for pet parents by expanding its reach with Pet Paradise. ...

CareCredit can be used to pay for services from dog training to vet care at Pet Paradise resorts.STAMFORD, Conn., Jan. 15, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer financial services company, and Pet Paradise, a premium pet care provider, today announced a new partnership designed to make access to an assortment of care easier for pet parents.  By the end of year, the CareCredit health and wellness credit card will be available to be used at all 60 Pet Paradise locations nationwide to ...

Looking for a stock that has been consistently beating earnings estimates and might be well positioned to keep the streak alive in its next quarterly report? Synchrony (SYF) , which belongs to the Zacks Financial - Miscellaneous Services industry, could be a great candidate to consider.This consumer credit company has an established record of topping earnings estimates, especially when looking at the previous two reports. The company boasts an average surprise for the past two quarters of 12.21%.For the las ...

STAMFORD, Conn., Jan. 7, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its fourth quarter 2024 results on Tuesday, January 28, 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 acces ...

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