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 ...

Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY | (unaudited, in millions, except per share statistics) | | --- | (1) Tangible book value per share is a non-GAAP measure, calculated based on Tangible common equity divided by common shares outstanding. For corresponding reconciliation of this measure to a GAAP financial measure, see Reconciliation of Non-GAAP Measures and Calculations of Regulatory Measures. 1 SYNCHRONY FINANCIAL SELECTED METRICS (unaudited, $ in millions) | | | | | | Quarter Ended | | | ...

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]

Multi-year Consumer Financing Agreement Features Digital-First Cardholder Experience and RewardsSTAMFORD, Conn., April 17, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, today announced a multi-year extension of its agreement to manage the credit programs of American Eagle Outfitters, Inc. (NYSE: AEO), a leading global specialty retailer. Synchrony will continue to deliver a frictionless consumer financing experience for American Eagle and Aerie customers to earn ...

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 ...