Synchrony Financial (NYSE:SYF) Q4 2025 Earnings call January 27, 2026 08:00 AM ET Speaker3Good morning, and welcome to the Synchrony Financial fourth quarter 2025 earnings conference call. Please refer to the company's investor relations website for access to their earnings materials. Please be advised that today's conference is being recorded. Currently, all callers have been placed in a listen-only mode. The call will be opened up for your questions following the conclusion of management's prepared remark ...

Core Insights - AppTech Payments Corp. reported a significant increase in revenue for Q4 2025, reaching $0.7 million compared to $52 thousand in Q4 2024, primarily driven by the acquisition of Infinitus Pay [2] - The company experienced an operating loss of $1.3 million in Q4 2025, an improvement from a loss of $1.8 million in the same quarter of 2024 [2] - For the full year 2025, AppTech's revenues totaled $1.4 million, up from $278 thousand in 2024, while EBITDA loss improved by $1.6 million to a loss of $5.1 million [3] - The company secured an additional $1.5 million in financing during the quarter, with an option to increase this to $2.5 million [3] - The CFO of AppTech expressed optimism about the company's performance, indicating that the fourth quarter represents a turning point due to the Infinitus Pay acquisition and growth in core offerings [4] Financial Performance - Q4 2025 operating loss: $1.3 million ($0.04 per share) compared to $1.8 million ($0.07 per share) in Q4 2024 [2] - Q4 2025 revenue: $0.7 million, a significant increase from $52 thousand in Q4 2024 [2] - Full year 2025 revenue: $1.4 million versus $278 thousand in 2024 [3] - Full year 2025 EBITDA loss: $5.1 million, improved by $1.6 million from 2024 [3] Strategic Developments - The acquisition of Infinitus Pay on October 31, 2025, has been a key driver of revenue growth, with IP processing over $450 million in transactional volume since joining AppTech [2] - The company is expanding its fintech integrator network, which is expected to contribute to future growth [2][4] - The additional financing secured is aimed at supporting the company's strategic initiatives and growth plans for 2026 [3]

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Core Insights - Repay Holdings Corporation (NASDAQ: RPAY) has been recognized as the most reliable gateway provider by TSG (The Strawhecker Group) based on key performance metrics [1] - The recognition is based on mid-year data from TSG's Global Experience Monitoring (GEM) platform, which evaluates real card transactions [1] Performance Metrics - REPAY's gateway achieved the highest authorization rate among competitors [1] - The company also recorded the lowest gateway minute outage, indicating superior reliability in its payment solutions [1]

Core Insights - Visa Inc. has renewed its 40-year partnership with ICBA Payments to support U.S. community banks, enhancing their payment solutions and customer service [1][9] - The partnership will continue to feature Visa-backed card programs with advanced technologies and will expand access to Visa Direct for more flexible payments [2][9] - ICBA Payments has a strong track record, issuing 10 million cards and managing $913.4 million in balances, processing over $43 billion in card sales [3][4] Financial Implications - The partnership provides Visa with steady fee income from community bank card usage and access to underserved markets, enhancing its revenue potential [4][9] - Visa's shares have gained 10.7% over the past year, outperforming the industry and the Zacks S&P 500 Composite [7] - Visa trades at a forward price-to-earnings ratio of 28.1, above the industry average of 21.8, with a Zacks Consensus Estimate for fiscal 2025 earnings implying 12.9% growth year over year [11][12] Earnings Estimates - The Zacks Consensus Estimate for Visa's earnings for the current year is $11.35 per share, with a year-over-year growth estimate of 12.94% [13] - For the next year, the estimate is $12.77 per share, indicating a 12.49% increase [13]