Synchrony Financial (SYF)

Over the past six months, Synchrony Financial's stock has increased significantly, reaching $75.29 as of October 28, 2025. The Q3 2025 earnings per share (EPS) was $2.86, exceeding expectations, and revenue was $3.82 billion. The company announced a $1 billion increase in its share repurchase authority. The Q2 2025 EPS was $2.50, beating estimates, and the Q1 2025 EPS was $1.89, also surpassing expectations. A quarterly dividend of $0.30 per share was announced. Insider Darrell Owens sold 600 shares, and Brian J. Sr. Wenzel sold 8,514 shares. Several brokerages updated their ratings and price targets. Synchrony partnered with Pumpkin Pet Insurance and Versatile Credit, and expects momentum from recent launches like the Walmart credit card and Pay Later at Amazon.

Limited data is available for Synchrony Financial's seasonality. October historically favors a long bias for the stock. Interest income in Q1 2025 was lower than Q4 2024 due to seasonality. Consumer spending, which drives demand for Synchrony's credit products, can increase during holiday seasons and major sales events.

Synchrony Financial is a consumer financial services company based in Stamford, Connecticut, operating in the retail credit and loyalty solutions industry. It partners with businesses like retailers, healthcare providers, travel companies, and automotive dealerships. Synchrony offers private label, dual, co-branded, and general-purpose credit cards, promotional financing, installment lending, and loyalty programs. It also provides FDIC-insured savings products through Synchrony Bank and partners with brands like Amazon and Lowe's. Synchrony owns CareCredit and serves customers across various industries through five sales platforms.

Synchrony Financial primarily operates within the United States and is headquartered in Stamford, CT. It has over 16,500 employees across more than two dozen locations worldwide, including the United States, Canada, Puerto Rico, India, and the Philippines. Synchrony also operates "Innovation Stations" in Stamford, Connecticut; Chicago, Illinois; Kettering, Ohio; and Hyderabad, India.

Specific details on Synchrony Financial's brand reputation in the past year are not explicitly available in the provided search results. However, the company's strong financial performance and strategic partnerships generally contribute positively to its reputation. The company highlights its differentiated business model, consumer lending expertise, and leveraging data analytics to deliver value to customers and loyalty to partners.

Synchrony Financial's ownership is a mix of institutional, retail, and individual investors. Approximately 61.13% of the company's stock is owned by institutional investors, 0.45% by insiders, and 38.42% by public companies and individual investors. Major institutional owners include Vanguard Group Inc., Capital World Investors and BlackRock, Inc.