Core Insights - Synchrony Financial announced its fourth quarter 2025 results for the fiscal year ending December 31, 2025 [1] - The company declared a quarterly cash dividend of $0.30 per share of common stock, payable on February 17, 2026 [3] - The Board also declared dividends on its preferred stock, approximately $14.06 per share for Series A and $20.63 per share for Series B, both payable on February 17, 2026 [3] Financial Performance - The earnings news release and presentation are available on the company's Investor Relations website [1] - A conference call to review financial results and outlook will be hosted by the CEO and CFO [2] Company Overview - Synchrony is a leading consumer financing company, providing credit and banking products to improve financial lives [4] - The company supports the growth of respected brands and small to midsize businesses, including health and wellness providers [4] - Synchrony has been recognized as the 2 Best Company to Work For in the U.S. by Fortune magazine and Great Place to Work [4]

Core Insights - Synchrony and the American Med Spa Association (AmSpa) have extended their partnership to provide enhanced benefits to AmSpa members, including preferred merchant rates through Synchrony's CareCredit credit card [1][3][7] - The medical spa industry was valued at over $17 billion in 2024 and is projected to grow by more than $1 billion annually, highlighting the need for accessible financial solutions [4] Company and Industry Overview - Synchrony is a leading consumer financial services company that offers financing options to support various sectors, including health and wellness [9] - AmSpa provides business, legal, and clinical training resources to medical spas and aesthetic practices, aiming to enhance member success through partnerships like the one with Synchrony [7][8] - The new merchant transaction rates for AmSpa members will take effect on January 1, 2026, allowing members to save on financing terms for transactions of $200 or more [3][4]

Core Insights - Synchrony Financial (SYF) and The Toro Company have launched a co-branded credit card to enhance dealer networks and facilitate financing for lawn equipment, responding to the growing demand in both residential and commercial markets [1][5] Financing Features - The Toro Company credit card offers flexible promotional financing options, easy digital applications, and tools to help dealers close sales more effectively, reducing friction at the point of sale [2][4] - SYF's PRISM underwriting engine utilizes over 9,000 data attributes for nuanced credit approvals, potentially expanding the pool of qualified buyers and improving sales conversions for dealers [3][8] Dealer Support - Synchrony provides comprehensive support to dealers, including 24/7 merchant assistance, tailored marketing materials, digital account management, and training resources, aimed at enhancing sales momentum and customer experience [4][8] Market Positioning - The collaboration between Synchrony and The Toro Company may set a new standard for financing systems in specialized equipment industries, integrating credit access into the dealer experience and fostering stronger merchant relationships [5] Stock Performance - Year-to-date, Synchrony shares have increased by 11.2%, contrasting with a 9.8% decline in the industry [6]

Core Insights - Synchrony has acquired Versatile Credit, a consumer financing software firm, to enhance its capabilities in retail and healthcare financing [8] - The acquisition is expected to improve customer loan approval rates through "waterfall financing," which can lead to increased sales for merchants [5][6] - Versatile generates annual revenue between $10 million to $15 million and has been a partner of Synchrony for about 15 years [7] Company Overview - Synchrony has approximately $119 billion in assets and collaborates with around 400,000 merchants, including major retailers like Lowe's and Sam's Club [3] - Versatile Credit, founded in 1995 and based in Mechanicsburg, Pennsylvania, enables retailers and healthcare providers to offer financing options to customers both in-store and online [8] Strategic Implications - The acquisition allows Synchrony to leverage Versatile's reporting capabilities and integration with merchant systems to adapt to evolving market demands [4][5] - Synchrony's commitment to innovative technology aims to drive sales for merchants and expand credit access for consumers [6]

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]

Core Insights - Belle Tire has partnered with Synchrony to launch a private label credit card, enhancing customer access to flexible financing options for automotive products and services [1][2][3] Group 1: Partnership Details - The partnership aims to provide a seamless rollout of financing options across nearly 200 Belle Tire locations in the Midwest [1][6] - Synchrony’s collaboration with 1stMILE, Belle Tire's integrated payment provider, facilitated the quick implementation of these financing solutions [1] Group 2: Credit Card Features - The Belle Tire credit card offers promotional financing of six months on purchases of $199 or more and twelve months on purchases of $1,000 or more [3] - Cardholders can use the Synchrony Car Care credit card at over one million gas stations, auto parts retailers, and service locations nationwide [3] Group 3: Customer Application Process - Customers can apply for Synchrony financing through various channels, including in-store pin pads, QR codes, text-to-apply options, and online at BelleTire.com [4] Group 4: Company Background - Founded in 1922, Belle Tire has expanded to nearly 200 locations, providing a range of automotive services including tires, maintenance, and repairs [6][8] - Belle Tire emphasizes superior service and convenience, aligning with the new financing options to make automotive purchases more affordable [6][7]