Core Insights - Synchrony and Discount Tire have extended their partnership for over 25 years, ensuring customers have access to flexible financing options for tire purchases and automotive needs [1][5] - The Discount Tire card can be used at more than 1,200 retail stores across 39 states and over one million additional locations within the Synchrony Car Care network [1][2][3] Company Overview - Discount Tire is a leading independent retailer of tires, wheels, and windshield wipers, operating more than 1,200 stores in 39 states [6] - Founded in 1960, Discount Tire is known for its proprietary online tire recommendation tool, Treadwell, which uses data to suggest suitable tires for drivers [6] Financing Options - The Discount Tire credit card offers exclusive financing options, including deferred interest promotions and no annual fee, with zero-dollar liability for fraud transactions [4] - Customers can prequalify for the Discount Tire credit card online without impacting their credit score [4] Digital Solutions - Cardholders have access to innovative digital payment solutions, including the ability to add the Discount Tire credit card to Apple Wallet for seamless in-store purchases via Apple Pay [5] Industry Context - As vehicle ages increase and maintenance costs rise, financing solutions like those offered by Synchrony help drivers manage their budgets effectively [5]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 51-0483352 (State or other jurisdiction of inco ...

Synchrony Financial (SYF) reported first-quarter 2025 adjusted earnings per share (EPS) of $1.89, which outpaced the Zacks Consensus Estimate by 16%. However, the bottom line declined 39.8% year over year. (See the Zacks Earnings Calendar to stay ahead of market-making news.)Net interest income was $4.5 billion, which inched up 1.3% year over year. However, it missed the consensus mark by 1.8%.The quarterly results were aided by rising retailer share arrangements, improved net interest margin and increased ...

Highlights Synchrony’s results show consumer spending is moderating, with a decrease in purchase volumes, especially for larger ticket items, indicating consumers are becoming more selective in their discretionary spending. Synchrony is observing strong credit metrics, including a decrease in delinquency rates, which they attribute to effective risk management and consumer efforts to manage their debt obligations. Despite broader economic uncertainty impacting consumer confidence, current consumer be ...

While still higher than a year ago, it has been a very difficult few months for Synchrony Financial (NYSE: SYF ) investors with the stock falling over 30% from its highs. Its Q1 earnings resultsOver fifteen years of experience making contrarian bets based on my macro view and stock-specific turnaround stories to garner outsized returns with a favorable risk/reward profile. If you want me to cover a specific stock or have a question for an article, just let me know!Analyst’s Disclosure: I/we have no stock, o ...

Synchrony Financial (SYF) Q1 2025 Earnings Conference Call April 22, 2025 08:00 AM ET Company Participants Operator - Technical/Call OperatorOperator - Conference ModeratorCatherine Miller - Senior Vice President, Investor RelationsBrian Devils - President & Chief Executive Officer Conference Call Participants Ryan Nash - Analyst, Goldman SachsTerry Ma / Rick Shane - Analyst (Barclays / JP Morgan)John Pinkerry - Analyst, EvercoreMihir Bhatia - Analyst, Bank of AmericaMark DeVries / Don Vandetti - Analyst (D ...

Synchrony Financial (SYF) Q1 2025 Earnings Call April 22, 2025 08:00 AM ET Company Participants Kathryn Harmon Miller - Senior Vice President and Director of Investor RelationsBrian Doubles - President and CEOBrian Wenzel - Executive VP & CFORyan Nash - Managing Director - Regional Banks & Consumer FinanceSanjay Sakhrani - Managing DirectorMark Devries - DirectorDonald Fandetti - Managing Director Conference Call Participants Terry Ma - Senior Equity Research AnalystMoshe Orenbuch - Managing Director & Seni ...

Synchrony (SYF) came out with quarterly earnings of $1.89 per share, beating the Zacks Consensus Estimate of $1.63 per share. This compares to earnings of $1.18 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 15.95%. A quarter ago, it was expected that this consumer credit company would post earnings of $1.90 per share when it actually produced earnings of $1.91, delivering a surprise of 0.53%.Over the last four quarters, the ...

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 | | | ...