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 ...

STAMFORD, Conn., April 8, 2025 /PRNewswire/ -- Synchrony, (NYSE: SYF), a premier consumer financial services company, today announced a new integration with Adobe Commerce to help merchants grow their business by offering more flexibility and choice in financing to their customers. In today's competitive market, the ability to provide customers with longer-duration, convenient payment options is essential. With this integration, thousands of merchants that host websites on Adobe Commerce can offer the Synch ...

Core Insights - Synchrony, a leading consumer financial services company, celebrated the blooming of daffodils in Downtown Stamford, reflecting its commitment to community engagement and beautification efforts [1][2] - The company announced over $1.5 million in grants to local nonprofits aimed at enhancing parks, supporting youth education, and providing health and human services, thereby improving the quality of life for Stamford residents [2][3] - Synchrony has been recognized as the number 2 Best Company to Work For in the U.S. by Fortune magazine and Great Place to Work, highlighting its impact on employees and local communities [4] Community Engagement - The daffodil planting initiative is part of Synchrony's broader strategy to give back to the city where its employees live and work, showcasing its dedication to community development [1][5] - Mayor Caroline Simmons expressed gratitude for Synchrony's contributions, emphasizing the lasting impact of the company's support on local parks and small businesses [5] Financial Contributions - The grants provided by Synchrony are intended to enhance local parks, support educational initiatives, and offer essential health and human services, demonstrating the company's commitment to improving community welfare [3][5] - Synchrony also engages in various initiatives, such as the "Doubles Dive" polar plunge, to raise funds for local nonprofits, further illustrating its active role in community support [5] Company Overview - Synchrony offers a comprehensive suite of digitally-enabled financial products across various industries, including retail, health, and telecommunications, connecting partners and consumers through a dynamic financial ecosystem [7] - The company focuses on delivering tailored financing solutions and innovative digital capabilities to meet the specific needs of its diverse clientele [7]

Core Insights - Synchrony has been recognized as the number 2 Best Company to Work For in the U.S. by Fortune magazine and Great Place to Work, highlighting its people-centric culture that enhances credit access for consumers and supports business growth [1][4]. Employee Satisfaction - 94% of Synchrony employees believe it is a great place to work, significantly higher than the 57% average at typical U.S. companies [5]. - 93% of employees feel that the company's working methods provide the necessary flexibility, and 92% report that their managers offer constructive feedback to meet performance expectations [5]. Company Culture and Innovation - The company emphasizes a culture of listening and engagement, which is integral to its high-performance environment [6]. - Synchrony has implemented a flexible hybrid work model based on employee feedback, allowing for remote and in-office work options [6][7]. Employee Development and Well-being - Synchrony has adopted frequent manager-employee coaching to build trust and create a continuous feedback loop, empowering employees to innovate and grow [10]. - The company offers various career development programs, including skills training, early career rotational programs, and tech apprenticeships [10]. - Robust well-being benefits are provided, including extensive parental leave, backup childcare, and wellness coaching [10].