Core Viewpoint - Synchrony Financial (SYF) is a leading consumer financial services company with a market cap of $30.9 billion, providing a comprehensive suite of digitally enabled credit products [1] Financial Performance - Analysts expect SYF to report a profit of $1.95 per share for Q4 2025, a 2.1% increase from $1.91 per share in the same quarter last year [2] - For the full year, EPS is projected to be $9.19, reflecting a 39.5% increase from $6.59 in fiscal 2024, with a further expected rise to $9.29 in fiscal 2026 [3] Stock Performance - SYF stock has increased by 30.7% over the past 52 weeks, outperforming the S&P 500 Index's 15.7% gains and the Financial Select Sector SPDR Fund's 14.5% gains [4] - The stock is currently trading above its mean price target of $85.38, with a Street-high price target of $101 indicating an upside potential of 18% [7] Growth Drivers - The company's growth is attributed to a renewed partnership with Mitsubishi Electric Trane HVAC U.S. LLC, strong credit performance, and a 2% increase in purchase volume [5] - New product launches, including the Walmart credit card and Pay Later options at Amazon, along with strategic partnerships, are contributing to growth [5] Recent Results - On October 15, SYF reported Q3 results with an EPS of $2.86, surpassing Wall Street expectations of $2.22, and adjusted revenue of $4.72 billion, exceeding forecasts of $4.69 billion [6]

Core Insights - Walmart's fintech startup OnePay is launching new credit cards in partnership with Synchrony, marking a shift from its previous relationship with Capital One [1][2] - The Walmart card program previously had 10 million customers and approximately $8.5 billion in outstanding loans [3] Company Developments - OnePay was established by Walmart in 2021 with Ribbit Capital and will manage the customer experience through its mobile app [2] - Walmart ended its exclusive partnership with Capital One in 2023, leading to a lawsuit against the bank to expedite the exit [2] Industry Trends - OnePay's strategy to partner with established players like Synchrony and Klarna indicates a trend of fintech companies leveraging existing financial institutions to scale quickly [3][4] - The collaboration with Klarna for buy now, pay later loans further emphasizes OnePay's approach to expanding its financial services offerings [4]