Key Highlights: STAMFORD, Conn. and CHICAGO, Dec. 17, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, and the American Med Spa Association (AmSpa) today announced the extension of their successful partnership that offers enhanced benefits to its members. The expanded collaboration introduces preferred merchant rates for AmSpa's members through Synchrony's CareCredit credit card, offering AmSpa members savings when processing patient, customer and client cardholder ...

Company Overview - Synchrony Financial (SYF) is valued at a market cap of $26.8 billion and offers a variety of consumer financial services, including credit cards, consumer installment loans, and deposit products. The company collaborates with major retailers across sectors like healthcare, retail, and automotive to provide tailored financing solutions [1]. Stock Performance - Over the past 52 weeks, SYF shares have returned 30.9%, outperforming the S&P 500 Index's 17.5% gain. However, year-to-date, SYF is up 14.4%, trailing behind the S&P 500's 15.6% increase. Additionally, SYF has outperformed the Financial Select Sector SPDR Fund (XLF), which rose 12.6% during the same period [2]. Financial Results - In Q3 2025, Synchrony Financial reported earnings per share (EPS) of $2.86 and net interest income of $4.72 billion, exceeding expectations. However, the stock fell 2.9% the following day due to a reduction in full-year net revenue guidance from $15.15 billion to $15.05 billion, indicating softer growth momentum attributed to higher payment rates affecting interest income [3]. Earnings Forecast - Analysts project SYF's EPS to grow 34.6% year-over-year to $8.87 for the fiscal year ending December 2025. The company has a strong earnings surprise history, having beaten consensus estimates in the last four quarters. The consensus rating among 25 analysts is a "Moderate Buy," with 13 "Strong Buy" ratings, one "Moderate Buy," and 11 "Holds" [4]. Analyst Ratings and Price Targets - The current analyst configuration shows a slight decrease in bullish sentiment compared to three months ago, with 14 "Strong Buy" ratings. Truist recently lowered its price target for SYF to $78 while maintaining a "Hold" rating. The mean price target of $81.79 suggests a nearly 10% premium to current levels, while the highest price target of $100 indicates a potential upside of 34.5% [5].

Core Insights - Red River Bancshares (RRBI) reported quarterly earnings of $1.63 per share, exceeding the Zacks Consensus Estimate of $1.55 per share, and up from $1.27 per share a year ago, representing an earnings surprise of +5.16% [1] - The company achieved revenues of $31.91 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 3.93%, compared to $27.88 million in the same quarter last year [2] - Red River Bancshares has consistently outperformed consensus EPS and revenue estimates over the last four quarters [2] Earnings Performance - The company has shown a strong performance with a year-to-date stock increase of approximately 23%, compared to the S&P 500's gain of 17.2% [3] - The current consensus EPS estimate for the upcoming quarter is $1.60, with expected revenues of $31.06 million, and for the current fiscal year, the EPS estimate is $6.17 on revenues of $121.83 million [7] Market Outlook - The Zacks Industry Rank places the Banks - Southwest sector in the top 14% of over 250 Zacks industries, indicating a favorable outlook for the industry [8] - The estimate revisions trend for Red River Bancshares was mixed prior to the earnings release, resulting in a Zacks Rank 3 (Hold), suggesting the stock is expected to perform in line with the market in the near future [6]

Core Points - Synchrony Financial announced a quarterly cash dividend of $0.30 per share of common stock, payable on November 17, 2025, to holders of record at the close of business on November 5, 2025 [1] - The Board of Directors declared dividends on its preferred stock, with approximately $14.06 per share for Series A Preferred Stock and approximately $20.63 per share for Series B Preferred Stock, also payable on November 17, 2025, to holders of record at the close of business on November 5, 2025 [2] Company Overview - Synchrony is a leading consumer financing company that has been serving the needs of people and businesses for nearly 100 years, providing responsible access to credit and banking products [3] - The company supports the growth and operations of over 400,000 small and midsize businesses and health and wellness providers in the U.S. [3] - Synchrony is recognized as the 2 Best Company to Work for in the U.S. by Fortune magazine and Great Place to Work [3]

Core Insights - Synchrony Financial announced its third quarter 2025 results for the period ending September 30, 2025 [1] - The company hosted a conference call to review financial results and outlook for business drivers [2] - The Board of Directors approved a $1 billion increase to the share repurchase authorization, totaling $2.1 billion available through June 30, 2026 [3] Company Overview - Synchrony is a leading consumer financing company, providing access to credit and banking products for nearly 100 years [4] - The company supports the financial needs of tens of millions of people and over 400,000 small and midsize businesses [4] - Synchrony is recognized as the 2 Best Company to Work For® by Fortune magazine and Great Place to Work® [4]

Core Insights - Synchrony Financial (NYSE:SYF) is recognized as one of the S&P 500 stocks with a low PE ratio, indicating potential undervaluation in the market [1] - JMP Securities has maintained a Market Outperform rating on SYF and increased the price target from $77 to $88, reflecting positive management statements and strong credit results reported through August [1][2] - The company management has reiterated its 2025 guidance while JMP upgraded its 2026 EPS estimate from $8.82 to $9.04, and raised the target 2026 EPS multiple from approximately 9x to 10x, highlighting competitive advantages against BNPL competitors [2] Company Overview - Synchrony Financial is a Connecticut-based consumer financial services company that provides a range of credit products, commercial credit, installment loans, and deposit products such as savings accounts, IRAs, and money market accounts [3]

Core Insights - Synchrony Financial has appointed Deborah Ellinger to its Board of Directors, effective October 1, 2025, enhancing the board's expertise in health, wellness, and consumer retail sectors [1][2][3] Company Overview - Synchrony Financial is a leading consumer financial services company that has been serving the needs of individuals and businesses for nearly 100 years, providing access to credit and banking products [4] - The company supports over 400,000 small and midsize businesses and health and wellness providers across the United States [4] Board Composition - With the addition of Deborah Ellinger, Synchrony's Board of Directors will now consist of twelve members, reflecting a diverse range of industry expertise [3]

Core Viewpoint - Synchrony Financial (SYF) is a leading consumer financial services company with a market cap of $27.7 billion, providing a comprehensive range of credit products and is expected to announce its fiscal third-quarter earnings for 2025 on October 15 [1]. Financial Performance - Analysts anticipate SYF will report a profit of $2.17 per share for Q3 2025, reflecting an 11.9% increase from $1.94 per share in the same quarter last year [2]. - For the full fiscal year 2025, EPS is projected to be $8.33, a 26.4% increase from $6.59 in fiscal 2024, with further growth expected to $9.06 in fiscal 2026, an 8.8% year-over-year rise [3]. Stock Performance - SYF shares have significantly outperformed the S&P 500 Index, which gained 15.6% over the past 52 weeks, with SYF shares increasing by 52% during the same period [4]. - The stock also outpaced the Financial Select Sector SPDR Fund's 19.6% gains in the same timeframe [4]. Strategic Partnerships - SYF's growth is bolstered by its partnership with Dental Intelligence, which integrates CareCredit into their platform, enhancing patient financing and operational efficiency for dental practices [5]. Analyst Ratings - The consensus opinion on SYF stock is moderately bullish, with 14 out of 25 analysts recommending a "Strong Buy," one suggesting a "Moderate Buy," and 10 advising a "Hold." The average analyst price target is $79.83, indicating a potential upside of 7.1% from current levels [7].

Core Insights - The University of Illinois Urbana-Champaign (U. of I.) and Synchrony celebrated the expansion of the Synchrony Emerging Technology Center, which aims to enhance technology skills for students and foster innovation [1][2][3] Company and Industry Summary - The Synchrony Emerging Technology Center (ETC) was first opened in 2018 and serves as a collaborative hub between Synchrony and U. of I., focusing on finance and technology capabilities while providing students with practical skills in various fields [3][5] - The recent expansion of the ETC has doubled its seating capacity and introduced new collaborative spaces, including flexible huddle rooms and event spaces, enhancing the overall environment for innovation [4] - More than 400 U. of I. students have gained hands-on technology experience through Synchrony's internship program, which has become a key talent pipeline for the company [1][5] - Synchrony and U. of I. co-host various events such as hackathons and Datathons, which strengthen the culture of innovation and provide students with valuable learning experiences [6] - Synchrony's broader education initiatives aim to create pathways to financial credit access and mobility for Americans, reflecting the company's commitment to community engagement and student development [6]

Core Insights - Synchrony Financial is enhancing its presence in the Health & Wellness sector through its CareCredit brand, which is expected to drive long-term growth due to increasing demand for health-related financing in an aging U.S. population [1][4] Health & Wellness Sector - Health spending is projected to reach $5.6 trillion in 2023 and increase to $8.6 trillion by 2033, presenting a significant opportunity for Synchrony [2] - Active accounts in Health & Wellness grew by 13.3% in 2023, 8% in 2024, and 0.7% in the first half of 2025, while interest and fees on loans increased by 13.6% last year and 3.2% in the first half of 2025, indicating strong momentum [2] - By the end of Q2 2025, 15% of Synchrony's loan receivables were associated with Health & Wellness, with a provider network exceeding 285,000 locations [3][8] - The CareCredit network benefits from repeat customers, which enhances purchase volume and reduces reliance on any single partner [3][8] Competitive Landscape - Peers such as American Express and Ally Financial are also experiencing growth in receivables and interest income, with American Express reporting a 6% year-over-year increase in total loans and card member receivables in Q2 2025 [5][6] Financial Performance and Valuation - Synchrony shares have increased by 17.8% year-to-date, outperforming the industry average of 5% [7] - The company trades at a forward price-to-earnings ratio of 8.70, significantly lower than the industry average of 24.77, and holds a Value Score of A [9] - The Zacks Consensus Estimate for Synchrony's 2025 earnings is $8.39 per share, reflecting a 27.3% increase from the previous year [10]