Synchrony Financial (SYF)

Over the past six months, Synchrony Financial's stock has increased significantly. In Q2 2025, Synchrony reported an EPS of $2.50, surpassing expectations, though net interest income fell short; the stock closed up 1% following this report. Synchrony acquired Versatile Credit to enhance its point-of-sale solutions. Recent partnerships include mClub selecting CareCredit, the launch of a new Sun Country Airlines Credit Card, and a partnership with Audibel. The company has implemented aggressive share buybacks. Analyst ratings are a "Moderate Buy" with a target price of $76.68 as of October 1, 2025.

Demand for Synchrony Financial's products and services exhibits seasonality. Interest income can be impacted by seasonal patterns, as evidenced by a decrease in Q1 2025 interest income compared to Q4 2024. Delinquency rates in Q4 2024 performed better than typical seasonal patterns. Loan receivables are also expected to follow seasonal trends.

Synchrony Financial, based in Stamford, Connecticut, operates in the Finance sector, specifically Diversified Financials, focusing on consumer services and lending. It offers tailored financing solutions through partnerships with retailers, merchants, manufacturers, buying groups, associations, and healthcare providers. Its major products include private label credit cards, co-branded credit cards, installment loans, CareCredit, savings products through Synchrony Bank, and the Synchrony Premier World Mastercard. Synchrony serves industries including digital, health and wellness, retail, telecommunications, home, auto, and outdoor.

Synchrony Financial's headquarters are located in Stamford, Connecticut, U.S. The company also operates "Innovation Stations" in Stamford, Connecticut; Chicago, Illinois; Kettering, Ohio; and Hyderabad, India, indicating a primary operational focus in the United States with an international presence for technological development and innovation.

Synchrony Financial's brand reputation presents a mixed picture. The company was recognized as a "Great Place to Work" on Fortune's Best Companies to Work For® list in 2023 and reports a loyal customer base with high repeat behavior and strong satisfaction scores. However, customer reviews highlight negative experiences, including credit limit reductions and account closures, customer service issues, high interest rates, and fraud alerts.

Synchrony Financial's ownership is primarily composed of institutional investors, with a smaller portion held by individual investors and company insiders. Institutional investors hold approximately 60.30% to 89.30% of the company's stock. Insiders own about 0.45% of the stock. Public companies and individual investors hold between 10.25% and 29.00% of the shares.