Synchrony(SYF) - 2025 Q4 - Earnings Call Transcript

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 ...