Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) | Quarter Ended | | | | | | | | | | | | | | | Twelve Months Ended | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Dec 31, | | | | Sep 30, | Jun 30, | | | Mar 31, | | Dec 31, | | | | Dec 31, | | Dec 31, | | | | | 2024 2024 | | | 2024 | 2024 | | | | | | 2023 | | 4Q'24 vs. 4Q'23 | | 2024 | | 2023 | | YTD'24 vs. YTD'23 | | ...

STAMFORD, Conn., Jan. 28, 2025 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its fourth quarter 2024 results for the period ending December 31, 2024. The earnings news release and presentation can be found on the company's investor relations website at https://investors.synchrony.com/financial-information/financial-results.Today at 8 a.m. ET, Brian Doubles, President and Chief Executive Officer, and Brian Wenzel Sr., Executive Vice President and Chief Financial Officer, will host a confere ...

Earnings Report and Estimates - Synchrony Financial (SYF) is set to report Q4 2024 results on Jan 28, 2025, with a Zacks Consensus Estimate of $1.90 EPS and $4.57 billion in revenues [1] - The Q4 earnings estimate has increased by 2 cents over the past month, indicating an 84.5% YoY increase, while revenue estimates suggest a 2.2% YoY growth [2] - For the full year, the Zacks Consensus Estimate for revenues is $17.98 billion, a 5.4% YoY rise, and EPS is $6.54, implying a 26% YoY jump [3] - SYF has beaten earnings estimates in three of the last four quarters, with an average surprise of 4.5% [3] Factors Influencing Q4 Results - SYF is expected to benefit from increased loan receivables, improved efficiency ratio, and growth in average active accounts [5] - Net interest income is projected to grow 3.4% YoY, with interest and fees on loans expected to rise to over $5.5 billion from $5.3 billion a year ago [5] - Digital sales volume and total average active accounts are likely to have risen more than 2% YoY in Q4 [6] - Average Interest-Earning Assets are expected to increase by 6.5% YoY, and the efficiency ratio is estimated at 34.80%, improving from 36% a year ago [7] Challenges and Offsets - SYF is expected to face increased costs in information processing, employee expenses, and professional fees, along with lower purchase volumes [8] - Total purchase volumes for Q4 are estimated to decline nearly 3% YoY, with a volatile economic environment potentially discouraging big-ticket transactions [9] - Net interest margin is projected at 14.73%, down from 15.10% a year ago, and net charge-offs are likely to have risen substantially [10] Other Companies with Earnings Potential - Rithm Capital Corp (RITM) has an Earnings ESP of +2.22% and a Zacks Rank 1, with Q4 earnings estimated at 45 cents per share and revenues at $1.23 billion, a 73.2% YoY growth [11][12] - Bread Financial Holdings (BFH) has an Earnings ESP of +25.94% and a Zacks Rank 2, with Q4 earnings estimated at 34 cents per share, up 4 cents in the past month, and an average earnings surprise of 70.2% in the past four quarters [12][13] - OneMain Holdings (OMF) has an Earnings ESP of +1.93% and a Zacks Rank 3, with Q4 earnings estimated at $1.12 per share and an average earnings surprise of 7% in the past four quarters [13][14]

Wall Street analysts expect Synchrony (SYF) to post quarterly earnings of $1.90 per share in its upcoming report, which indicates a year-over-year increase of 84.5%. Revenues are expected to be $4.57 billion, up 2.2% from the year-ago quarter.Over the past 30 days, the consensus EPS estimate for the quarter has been adjusted upward by 0.6% to its current level. This demonstrates the covering analysts' collective reassessment of their initial projections during this period.Prior to a company's earnings annou ...

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 ...