에 대한 최신 뉴스 Synchrony Financial (NYSE:SYF) 주식

Synchrony Finl

Synchrony Financial

Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).

Retail Sales Hit by Consumer Spending Pressures

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미국 주요 신용카드사 &#34;소비자들 지출 줄이고 있다&#34;

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애플(NASDAQ:AAPL)이 골드만삭스(NYSE:GS)를 대체할 새로운 신용카드 파트너십을 모색하고 있는 것으로 알려졌다.

애플, 새로운 신용카드 파트너로 바클레이즈·싱크로니 고려 중: 로이터 보도

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트루이스트: 2025년 수익률 곡선 정상화, 저렴한 가치평가, EPS 성장 속 은행주 상승할 것

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Synchrony Financial 8.25% PRF PERPETUAL USD 25 - Dep rep 1/40 Ser B

Synchrony Financial Depositary Shares, each Representing a 1/40th Interest in a Share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A

Synchrony Financial Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

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Shares of companies within the broader financial sector are trading higher amid overall market strength following April's jobs data and reports that China's Commerce Ministry is assessing possible trade talks with the US.

Truist Securities analyst Brian Foran maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Hold and lowers the price target from $65 to $57.

Truist Securities Maintains Hold on Synchrony Financial, Lowers Price Target to $57

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Shares of companies within the broader financial sector are trading higher amid overall market strength due to March's strong durable goods orders economic data, and President Trump's announcement that he met with China earlier today.

Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) underwent analysis by 11 analysts in the last quarter, revealing a spectrum of viewpoints from bullish to bearish.
Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">4</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have set 12-month price targets for Synchrony Financial, revealing an average target of $65.91, a high estimate of $85.00, and a low estimate of $44.00. A 13.28% drop is evident in the current average compared to the previous average price target of $76.00. 
<img src="https://www.benzinga.com/files/images/story/2025/1745438469_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
An in-depth analysis of recent analyst actions unveils how financial experts perceive Synchrony Financial. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
&#x7C; Analyst &#x7C; Analyst Firm &#x7C; Action Taken &#x7C; Rating &#x7C;Current Price Target&#x7C; Prior Price Target &#x7C; 
&#x7C;--------------------&#x7C;--------------------&#x7C;---------------&#x7C;---------------&#x7C;--------------------&#x7C;--------------------&#x7C; 
&#x7C;Donald Fandetti &#x7C;Wells Fargo &#x7C;Lowers &#x7C;Overweight &#x7C; $65.00&#x7C;$70.00 &#x7C; 
&#x7C;John Pancari &#x7C;Evercore ISI Group &#x7C;Lowers &#x7C;Outperform &#x7C; $56.00&#x7C;$64.00 &#x7C; 
&#x7C;Richard Shane &#x7C;JP Morgan &#x7C;Lowers &#x7C;Overweight &#x7C; $50.00&#x7C;$76.00 &#x7C; 
&#x7C;Jeff Adelson &#x7C;Morgan Stanley &#x7C;Lowers &#x7C;Equal-Weight &#x7C; $44.00&#x7C;$82.00 &#x7C; 
&#x7C;Donald Fandetti &#x7C;Wells Fargo &#x7C;Lowers &#x7C;Overweight &#x7C; $70.00&#x7C;$85.00 &#x7C; 
&#x7C;Brian Foran &#x7C;Truist Securities &#x7C;Lowers &#x7C;Hold &#x7C; $65.00&#x7C;$77.00 &#x7C; 
&#x7C;Alex Scott &#x7C;Goldman Sachs &#x7C;Lowers &#x7C;Buy &#x7C; $70.00&#x7C;$82.00 &#x7C; 
&#x7C;Brian Foran &#x7C;Truist Securities &#x7C;Raises &#x7C;Hold &#x7C; $77.00&#x7C;$72.00 &#x7C; 
&#x7C;Karl Shepard &#x7C;RBC Capital &#x7C;Raises &#x7C;Sector Perform &#x7C; $73.00&#x7C;$70.00 &#x7C; 
&#x7C;David Rochester &#x7C;Compass Point &#x7C;Announces &#x7C;Neutral &#x7C; $70.00&#x7C;- &#x7C; 
&#x7C;Mihir Bhatia &#x7C;B of A Securities &#x7C;Raises &#x7C;Buy &#x7C; $85.00&#x7C;$82.00 &#x7C;
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Synchrony Financial. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Unveiling insights, analysts deliver qualitative insights into stock performance, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Synchrony Financial compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Synchrony Financial's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Synchrony Financial's market position. Stay informed and make well-informed decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/SYF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Synchrony Financial analyst ratings.</a>
<h2>Unveiling the Story Behind Synchrony Financial</h2>
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
<h3>Synchrony Financial: Financial Performance Dissected</h3>
Market Capitalization: Positioned above industry average, the company's market capitalization underscores its superiority in size, indicative of a strong market presence.
Positive Revenue Trend: Examining Synchrony Financial's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 3.88% as of 31 December, 2024, showcasing a substantial increase in top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Synchrony Financial's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 19.81%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): Synchrony Financial's financial strength is reflected in its exceptional ROE, which exceeds industry averages. With a remarkable ROE of 5.0%, the company showcases efficient use of equity capital and strong financial health.
Return on Assets (ROA): Synchrony Financial's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.63%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: Synchrony Financial's debt-to-equity ratio is below the industry average. With a ratio of 1.01, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
<h2>Analyst Ratings: What Are They?</h2>
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Expectations For Synchrony Financial's Future

Wells Fargo analyst Donald Fandetti maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Overweight and lowers the price target from $70 to $65.

Wells Fargo Maintains Overweight on Synchrony Financial, Lowers Price Target to $65

Evercore ISI Group analyst John Pancari maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Outperform and lowers the price target from $64 to $56.

Evercore ISI Group Maintains Outperform on Synchrony Financial, Lowers Price Target to $56

Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) reported <a href="https://www.benzinga.com/pressreleases/25/04/n44917026/synchrony-reports-first-quarter-2025-results-company-also-announces-quarterly-common-stock-dividen">first-quarter FY25 revenue growth of 1.3%</a> year-on-year to $4.46 billion, missing the analyst consensus estimate of $4.46 billion.
Net revenue <a href="https://d1io3yog0oux5.cloudfront.net/_56eb5ce702fafb8ad9e0b0b36ad89437/synchrony/db/3606/33854/earnings_release/Earnings+Press+Release+with+Financial+Tables+%281Q%2725%29.pdf">decreased&nbsp;22.5%&nbsp;Y/Y to&nbsp;$3.72 billion</a>, while net interest margin improved&nbsp;19 basis points to 14.74% in the quarter.
Period-end loan receivables declined&nbsp;2%&nbsp;Y/Y to&nbsp;$99.6 billion, and purchase volume declined&nbsp;4% Y/Y&nbsp;to&nbsp;$40.7 billion in the quarter.
Interest and fees on loans remained flat to the prior year at $5.3 billion as growth in loan receivables yield, primarily reflecting the impact of product, pricing, and policy changes (PPPCs), was offset by a combination of lower benchmark rates and lower late fee incidence.
Synchrony&#8217;s average active accounts declined 3% Y/Y to 69.3 million, and deposits fell 0.1% Y/Y to $83.4 billion in the quarter.
SYF returned $697 million in capital to shareholders, including $600 million of share repurchases and $97 million of common stock dividends.
Provision for credit losses was $1.5 billion, a decrease of $393 million driven by a reserve release of $97 million versus a reserve build of $299 million in the prior year.
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Net earnings decreased 41% Y/Y to $757 million. The company reported EPS of&nbsp;$1.89, <a href="https://www.benzinga.com/earnings">beating the consensus</a> estimate of $1.64.
Synchrony&#8217;s return on assets decreased by 190 basis points to 2.5% and the efficiency ratio improved 830 basis points to 33.4%.
The estimated Common Equity Tier 1 ratio was&nbsp;13.2% compared to 12.6%&nbsp;in the prior year, and the estimated Tier 1 Capital ratio was&nbsp;14.4% compared to 13.8%&nbsp;in the prior year.
During the quarter, Synchrony renewed or added more than 10 partners, including Ashley, Discount Tire, American Eagle, Sun Country, and Texas A&amp;M Veterinary Hospital.
The company&#8217;s Board of Directors increased the quarterly cash dividend by 20% to $0.30 per share, payable on&nbsp;May 15, 2025&nbsp;to holders of record at the close of business on&nbsp;May 5, 2025.
The Board also approved a share repurchase program of up to $2.5 billion, starting in the second quarter of 2025 and running through June 30, 2026. 
Brian Doubles, Synchrony&#8217;s executive vice president and chief financial officer, stated, "During the quarter, Synchrony continued to leverage our core strengths – our proprietary data, our sophisticated credit underwriting, our diversified product suite and distribution channels, and our strong execution – to empower our approximately 70 million customers with prudent financial flexibility and enduring value, while also delivering loyalty and sales to the many partners, providers and small businesses that form the foundation of our economy.&#8221;
FY25&nbsp;Outlook:&nbsp;Synchrony reaffirmed revenue guidance of $15.20 billion &#8211; $15.70 billion with an estimate of $18.73 billion.
Price Action: SYF shares are trading higher by 0.87% at $47.68 at last check on Tuesday.
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Photo: Shutterstock

Synchrony Financial Q1: Earnings Beat, Lower Purchase Volume, Active Accounts Decline And More

Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) affirms FY2025 sales outlook from $15.20 billion-$15.70 billion to $15.20 billion-$15.70 billion vs $18.73 billion estimate.

Guidance

Synchrony Financial Affirms FY2025 Net revenue Guidance of $15.20B-$15.70B vs $18.73B Est

Dividends

Buybacks

Synchrony Financial Board Approved Up To $2.5B Share Repurchase Program; Co. Also Raised Quarterly Dividend From $0.25 To $0.30/Share

Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) reported quarterly earnings of $1.89 per share which beat the analyst consensus estimate of $1.64 by 15.24 percent. This is a 60.17 percent increase over earnings of $1.18 per share from the same period last year. The company reported quarterly sales of $4.46 billion which missed the analyst consensus estimate of $4.56 billion by 2.11 percent. This is a 1.34 percent increase over sales of $4.41 billion the same period last year.

Earnings

Earnings Beats

Earnings Misses

Synchrony Finl Q1 GAAP EPS $1.89 Beats $1.64 Estimate, Sales $4.46B Miss $4.56B Estimate

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• Herc Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HRI#NYSE">HRI</a>) is expected to report quarterly earnings at $2.21 per share on revenue of $847.18 million. 
• Peoples Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEBO#NASDAQ">PEBO</a>) is expected to report quarterly earnings at $0.73 per share on revenue of $113.55 million. 
• Mercantile Bank (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MBWM#NASDAQ">MBWM</a>) is likely to report quarterly earnings at $1.19 per share on revenue of $57.70 million. 
• Lockheed Martin (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LMT#NYSE">LMT</a>) is expected to report quarterly earnings at $6.34 per share on revenue of $17.79 billion. 
• Northern Trust (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NTRS#NASDAQ">NTRS</a>) is likely to report quarterly earnings at $1.85 per share on revenue of $1.95 billion. 
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• Moodys (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MCO#NYSE">MCO</a>) is estimated to report quarterly earnings at $3.54 per share on revenue of $1.88 billion. 
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• First Bank (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FRBA#NASDAQ">FRBA</a>) is expected to report quarterly earnings at $0.39 per share on revenue of $32.78 million. 
• Renasant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RNST#NYSE">RNST</a>) is expected to report quarterly earnings at $0.61 per share on revenue of $170.28 million. 
• Steel Dynamics (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/STLD#NASDAQ">STLD</a>) is estimated to report quarterly earnings at $1.85 per share on revenue of $4.24 billion. 
• Intuitive Surgical (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ISRG#NASDAQ">ISRG</a>) is estimated to report quarterly earnings at $1.73 per share on revenue of $2.19 billion. 
• EQT (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EQT#NYSE">EQT</a>) is likely to report quarterly earnings at $0.91 per share on revenue of $2.00 billion. 
• Packaging Corp of America (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PKG#NYSE">PKG</a>) is estimated to report quarterly earnings at $2.22 per share on revenue of $2.12 billion. 
• PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) is expected to report quarterly earnings at $2.82 per share on revenue of $517.92 million. 
• PennyMac Mortgage IT (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PMT#NYSE">PMT</a>) is expected to report quarterly earnings at $0.39 per share on revenue of $92.33 million. 
• QCR Hldgs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QCRH#NASDAQ">QCRH</a>) is expected to report quarterly earnings at $1.51 per share on revenue of $94.26 million. 
• Hanmi Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HAFC#NASDAQ">HAFC</a>) is expected to report quarterly earnings at $0.57 per share on revenue of $63.43 million. 
• Monarch Casino &amp; Resort (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MCRI#NASDAQ">MCRI</a>) is likely to report quarterly earnings at $1.03 per share on revenue of $123.82 million. 
• Pegasystems (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEGA#NASDAQ">PEGA</a>) is expected to report quarterly earnings at $0.50 per share on revenue of $357.20 million. 
• Baker Hughes (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BKR#NASDAQ">BKR</a>) is likely to report quarterly earnings at $0.48 per share on revenue of $6.52 billion. 
• Zurn Elkay Water Solns (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ZWS#NYSE">ZWS</a>) is estimated to report quarterly earnings at $0.29 per share on revenue of $383.55 million. 
• Usana Health Sciences (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/USNA#NYSE">USNA</a>) is expected to report quarterly earnings at $0.74 per share on revenue of $243.08 million. 
• Veritex Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VBTX#NASDAQ">VBTX</a>) is expected to report quarterly earnings at $0.51 per share on revenue of $110.68 million. 
• Enphase Energy (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ENPH#NASDAQ">ENPH</a>) is expected to report quarterly earnings at $0.76 per share on revenue of $361.15 million. 
• First Busey (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BUSE#NASDAQ">BUSE</a>) is expected to report quarterly earnings at $0.50 per share on revenue of $117.56 million. 
• West Fraser Timber (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFG#NYSE">WFG</a>) is expected to report quarterly earnings at $0.56 per share on revenue of $1.53 billion. 
• Weatherford International (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WFRD#NASDAQ">WFRD</a>) is likely to report quarterly earnings at $0.89 per share on revenue of $1.21 billion. 
• Range Resources (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RRC#NYSE">RRC</a>) is projected to report quarterly earnings at $0.89 per share on revenue of $803.02 million. 
• Agree Realty (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ADC#NYSE">ADC</a>) is expected to report quarterly earnings at $1.05 per share on revenue of $166.00 million. 
• National Bank Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NBHC#NYSE">NBHC</a>) is likely to report quarterly earnings at $0.75 per share on revenue of $107.47 million. 
• Brandywine Realty Tr (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BDN#NYSE">BDN</a>) is projected to report quarterly earnings at $0.16 per share on revenue of $119.45 million. 
• MIND Technology (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MIND#NASDAQ">MIND</a>) is expected to report quarterly earnings at $0.18 per share on revenue of $12.20 million. 
• Manhattan Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MANH#NASDAQ">MANH</a>) is estimated to report quarterly earnings at $1.13 per share on revenue of $273.47 million. 
• Trustmark (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRMK#NASDAQ">TRMK</a>) is estimated to report quarterly earnings at $0.82 per share on revenue of $195.35 million. 
• Tesla (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) is estimated to report quarterly earnings at $0.46 per share on revenue of $22.46 billion. 
• East West Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EWBC#NASDAQ">EWBC</a>) is expected to report quarterly earnings at $2.06 per share on revenue of $652.47 million. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

BUSE

CASH

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streetTRACKS Dow Jones U.S. Large Cap Value Index Fund

ENPH

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FRBA

HAFC

HOPE

IRDM

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Earnings Scheduled For April 22, 2025

Synchrony Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) is set to give its latest quarterly earnings report on Tuesday, 2025-04-22. Here's what investors need to know before the announcement.
Analysts estimate that Synchrony Finl will report an earnings per share (EPS) of $1.67. 
The market awaits Synchrony Finl's announcement, with hopes high for news of surpassing estimates and providing upbeat guidance for the next quarter.
It's important for new investors to understand that guidance can be a significant driver of stock prices.
<h3>Earnings Track Record</h3>
Last quarter the company missed EPS by $0.01, which was followed by a 3.17% increase in the share price the next day.
Here's a look at Synchrony Finl's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q4 2024</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>1.92</td>
<td>1.79</td>
<td>1.35</td>
<td>1.35</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>1.91</td>
<td>1.94</td>
<td>1.55</td>
<td>1.18</td>
</tr>
<tr>
<td>Price Change %</td>
<td>3.0%</td>
<td>0.0%</td>
<td>-3.0%</td>
<td>-1.0%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2025/1745251281_0.png" alt="eps graph" />
<h3>Stock Performance</h3>
Shares of Synchrony Finl were trading at $47.87 as of April 18. Over the last 52-week period, shares are up 8.48%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release. 
<h3>Analyst Opinions on Synchrony Finl</h3>
Understanding market sentiments and expectations within the industry is crucial for investors. This analysis delves into the latest insights on Synchrony Finl.
The consensus rating for Synchrony Finl is Neutral, based on 9 analyst ratings. With an average one-year price target of $67.11, there's a potential 40.19% upside.
<h3>Comparing Ratings with Competitors</h3>
The following analysis focuses on the analyst ratings and average 1-year price targets of FirstCash Hldgs and Enova International, three prominent industry players, providing insights into their relative performance expectations and market positioning.
<ul>
<li>Analysts currently favor an Outperform trajectory for FirstCash Hldgs, with an average 1-year price target of $137.0, suggesting a potential 186.19% upside.</li>
<li>Analysts currently favor an Buy trajectory for Enova International, with an average 1-year price target of $134.5, suggesting a potential 180.97% upside.</li>
</ul>
<h3>Peer Metrics Summary</h3>
The peer analysis summary provides a snapshot of key metrics for FirstCash Hldgs and Enova International, illuminating their respective standings within the industry. These metrics offer valuable insights into their market positions and comparative performance.

<table>
<thead>
<tr>
<th>Company</th>
<th>Consensus</th>
<th>Revenue Growth</th>
<th>Gross Profit</th>
<th>Return on Equity</th>
</tr>
</thead>
<tbody>
<tr>
<td>Credit Acceptance</td>
<td>Neutral</td>
<td>14.89%</td>
<td>$351.10M</td>
<td>8.95%</td>
</tr>
<tr>
<td>FirstCash Hldgs</td>
<td>Outperform</td>
<td>3.72%</td>
<td>$433.69M</td>
<td>4.12%</td>
</tr>
<tr>
<td>Enova International</td>
<td>Buy</td>
<td>25.01%</td>
<td>$336.05M</td>
<td>5.36%</td>
</tr>
</tbody>
</table>

Key Takeaway:
Synchrony Financial ranks in the middle among its peers for Consensus rating. It is at the top for Revenue Growth, indicating strong performance in this area. In terms of Gross Profit, Synchrony Financial is at the top compared to its peers. However, for Return on Equity, it is at the bottom among the group.
<h3>About Synchrony Finl</h3>
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
<h3>Unraveling the Financial Story of Synchrony Finl</h3>
Market Capitalization: Boasting an elevated market capitalization, the company surpasses industry averages. This signals substantial size and strong market recognition.
Revenue Growth: Synchrony Finl displayed positive results in 3 months. As of 31 December, 2024, the company achieved a solid revenue growth rate of approximately 3.88%. This indicates a notable increase in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of 19.81%, the company showcases strong profitability and effective cost control.
Return on Equity (ROE): Synchrony Finl's ROE stands out, surpassing industry averages. With an impressive ROE of 5.0%, the company demonstrates effective use of equity capital and strong financial performance.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.63%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: With a below-average debt-to-equity ratio of 1.01, Synchrony Finl adopts a prudent financial strategy, indicating a balanced approach to debt management.
<a href="https://www.benzinga.com/quote/SYF/earnings">To track all earnings releases for Synchrony Finl visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Preview: Synchrony Finl's Earnings

This whale alert can help traders discover the next big trading opportunities.
Whales are entities with large sums of money and we track their transactions here at Benzinga on our options activity scanner.
Traders often look for circumstances when the market estimation of an option diverges away from its normal worth. Abnormal amounts of trading activity could push option prices to hyperbolic or underperforming levels. 
Here's the list of options activity happening in today's session: 
<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th>Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>HOOD</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>04/17/25</td>
<td>$40.00</td>
<td>$46.8K</td>
<td>7.3K</td>
<td>9.7K</td>
</tr>
<tr>
<td>PYPL</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>06/20/25</td>
<td>$70.00</td>
<td>$72.4K</td>
<td>15.2K</td>
<td>5.1K</td>
</tr>
<tr>
<td>BAC</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>04/17/25</td>
<td>$36.00</td>
<td>$39.6K</td>
<td>2.7K</td>
<td>3.2K</td>
</tr>
<tr>
<td>ALLY</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>06/20/25</td>
<td>$35.00</td>
<td>$260.5K</td>
<td>8.7K</td>
<td>2.0K</td>
</tr>
<tr>
<td>WFC</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>06/20/25</td>
<td>$67.50</td>
<td>$89.7K</td>
<td>4.5K</td>
<td>744</td>
</tr>
<tr>
<td>SYF</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>04/17/25</td>
<td>$45.00</td>
<td>$59.2K</td>
<td>146</td>
<td>592</td>
</tr>
<tr>
<td>COIN</td>
<td>CALL</td>
<td>TRADE</td>
<td>NEUTRAL</td>
<td>04/17/25</td>
<td>$165.00</td>
<td>$31.6K</td>
<td>631</td>
<td>486</td>
</tr>
<tr>
<td>C</td>
<td>PUT</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>09/19/25</td>
<td>$32.50</td>
<td>$28.9K</td>
<td>219</td>
<td>350</td>
</tr>
<tr>
<td>V</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>06/20/25</td>
<td>$360.00</td>
<td>$43.5K</td>
<td>7.9K</td>
<td>278</td>
</tr>
<tr>
<td>BN</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>07/18/25</td>
<td>$55.00</td>
<td>$50.3K</td>
<td>825</td>
<td>272</td>
</tr>
</tbody>
</table>

<h2>Explanation</h2>
These itemized elaborations have been created using the accompanying table. 
• Regarding HOOD (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HOOD#NASDAQ">HOOD</a>), we observe a call option trade with bullish sentiment. It expires in 7 day(s) on April 17, 2025. Parties traded 200 contract(s) at a $40.00 strike. The total cost received by the writing party (or parties) was $46.8K, with a price of $234.0 per contract. There were 7341 open contracts at this strike prior to today, and today 9779 contract(s) were bought and sold. 
• For PYPL (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>), we notice a call option trade that happens to be bearish, expiring in 71 day(s) on June 20, 2025. This event was a transfer of 400 contract(s) at a $70.00 strike. The total cost received by the writing party (or parties) was $72.4K, with a price of $181.0 per contract. There were 15288 open contracts at this strike prior to today, and today 5198 contract(s) were bought and sold. 
• For BAC (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>), we notice a call option sweep that happens to be bullish, expiring in 7 day(s) on April 17, 2025. This event was a transfer of 300 contract(s) at a $36.00 strike. This particular call needed to be split into 5 different trades to become filled. The total cost received by the writing party (or parties) was $39.6K, with a price of $132.0 per contract. There were 2719 open contracts at this strike prior to today, and today 3215 contract(s) were bought and sold. 
• For ALLY (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>), we notice a put option sweep that happens to be bearish, expiring in 71 day(s) on June 20, 2025. This event was a transfer of 501 contract(s) at a $35.00 strike. This particular put needed to be split into 36 different trades to become filled. The total cost received by the writing party (or parties) was $260.5K, with a price of $520.0 per contract. There were 8758 open contracts at this strike prior to today, and today 2000 contract(s) were bought and sold. 
• For WFC (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>), we notice a call option sweep that happens to be bullish, expiring in 71 day(s) on June 20, 2025. This event was a transfer of 299 contract(s) at a $67.50 strike. This particular call needed to be split into 6 different trades to become filled. The total cost received by the writing party (or parties) was $89.7K, with a price of $300.0 per contract. There were 4595 open contracts at this strike prior to today, and today 744 contract(s) were bought and sold. 
• For SYF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>), we notice a put option sweep that happens to be bullish, expiring in 7 day(s) on April 17, 2025. This event was a transfer of 311 contract(s) at a $45.00 strike. This particular put needed to be split into 14 different trades to become filled. The total cost received by the writing party (or parties) was $59.2K, with a price of $195.0 per contract. There were 146 open contracts at this strike prior to today, and today 592 contract(s) were bought and sold. 
• For COIN (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COIN#NASDAQ">COIN</a>), we notice a call option trade that happens to be neutral, expiring in 7 day(s) on April 17, 2025. This event was a transfer of 35 contract(s) at a $165.00 strike. The total cost received by the writing party (or parties) was $31.6K, with a price of $905.0 per contract. There were 631 open contracts at this strike prior to today, and today 486 contract(s) were bought and sold. 
• Regarding C (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/C#NYSE">C</a>), we observe a put option trade with bearish sentiment. It expires in 162 day(s) on September 19, 2025. Parties traded 349 contract(s) at a $32.50 strike. The total cost received by the writing party (or parties) was $28.9K, with a price of $83.0 per contract. There were 219 open contracts at this strike prior to today, and today 350 contract(s) were bought and sold. 
• For V (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>), we notice a call option sweep that happens to be bearish, expiring in 71 day(s) on June 20, 2025. This event was a transfer of 100 contract(s) at a $360.00 strike. This particular call needed to be split into 17 different trades to become filled. The total cost received by the writing party (or parties) was $43.5K, with a price of $435.0 per contract. There were 7996 open contracts at this strike prior to today, and today 278 contract(s) were bought and sold. 
• For BN (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BN#NYSE">BN</a>), we notice a call option sweep that happens to be bearish, expiring in 99 day(s) on July 18, 2025. This event was a transfer of 272 contract(s) at a $55.00 strike. This particular call needed to be split into 13 different trades to become filled. The total cost received by the writing party (or parties) was $50.3K, with a price of $185.0 per contract. There were 825 open contracts at this strike prior to today, and today 272 contract(s) were bought and sold. 
Options Alert Terminology 
 - Call Contracts: The right to buy shares as indicated in the contract. 
 - Put Contracts: The right to sell shares as indicated in the contract. 
 - Expiration Date: When the contract expires. One must act on the contract by this date if one wants to use it. 
 - Premium/Option Price: The price of the contract. 
For more information, visit our <a href="https://pro.benzinga.com/blog/how-to-understand-option-alerts/">Guide to Understanding Options Alerts</a> or read <a href="https://www.benzinga.com/markets/options">more about unusual options activity</a>. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Options

PYPL

10 Financials Stocks With Whale Alerts In Today's Session

ARCC

CADE

HOMB

HSBC

NDAQ

RITM

SPGI

VOYA

ZION

Shares of banks and financial services companies are trading lower as stocks pull back after surging Wednesday following President Trump's tariff pause announcement.

ATLC

CACC

DAVE

ECPG

GDOT

KSPI

NAVI

NRDS

PRAA

WRLD

Shares of consumer finance companies are trading higher following President Trump's decision to implement a 90-day pause on reciprocal tariffs for all countries except China.

JP Morgan analyst Richard Shane maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Overweight and lowers the price target from $76 to $50.

JP Morgan Maintains Overweight on Synchrony Financial, Lowers Price Target to $50

Morgan Stanley analyst Jeff Adelson downgrades Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) from Overweight to Equal-Weight and lowers the price target from $82 to $44.

Downgrades

Morgan Stanley Downgrades Synchrony Financial to Equal-Weight, Lowers Price Target to $44

Analysts' ratings for Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) over the last quarter vary from bullish to bearish, as provided by 11 analysts.
The following table provides a quick overview of their recent ratings, highlighting the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">3</td>
<td align="right">2</td>
<td align="right">6</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have recently evaluated Synchrony Financial and provided 12-month price targets. The average target is $73.55, accompanied by a high estimate of $85.00 and a low estimate of $65.00. Surpassing the previous average price target of $73.06, the current average has increased by 0.67%.
<img src="https://www.benzinga.com/files/images/story/2025/1743703585_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
A clear picture of Synchrony Financial's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$70.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$65.00</td>
<td>$77.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Lowers</td>
<td>Buy</td>
<td>$70.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$77.00</td>
<td>$72.00</td>
</tr>
<tr>
<td>Karl Shepard</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$73.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Neutral</td>
<td>$70.00</td>
<td>-</td>
</tr>
<tr>
<td>Mihir Bhatia</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$85.00</td>
<td>$82.00</td>
</tr>
<tr>
<td>Eric Wasserstrom</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$66.00</td>
<td>$58.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$82.00</td>
<td>$72.50</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Hold</td>
<td>$72.00</td>
<td>-</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$79.00</td>
<td>$59.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Synchrony Financial. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Synchrony Financial compared to the broader market.</li>
<li>Price Targets: Analysts provide insights into price targets, offering estimates for the future value of Synchrony Financial's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Synchrony Financial's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/SYF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Synchrony Financial analyst ratings.</a>
<h2>Get to Know Synchrony Financial Better</h2>
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
<h3>Unraveling the Financial Story of Synchrony Financial</h3>
Market Capitalization: Exceeding industry standards, the company's market capitalization places it above industry average in size relative to peers. This emphasizes its significant scale and robust market position.
Revenue Growth: Synchrony Financial's revenue growth over a period of 3 months has been noteworthy. As of 31 December, 2024, the company achieved a revenue growth rate of approximately 3.88%. This indicates a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Synchrony Financial's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 19.81% net margin, the company effectively manages costs and achieves strong profitability.
Return on Equity (ROE): The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of 5.0%, the company showcases effective utilization of equity capital.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.63%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 1.01.
<h2>The Significance of Analyst Ratings Explained</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Deep Dive Into Synchrony Financial Stock: Analyst Perspectives (11 Ratings)

Synchrony Financial shares are trading lower after Wells Fargo cut its price target on the stock from $85 to $70.

Wells Fargo analyst Donald Fandetti maintains Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) with a Overweight and lowers the price target from $85 to $70.

Wells Fargo Maintains Overweight on Synchrony Financial, Lowers Price Target to $70

Press Releases

Synchrony to Announce First Quarter 2025 Financial Results on April 22, 2025

Synchrony Named No. 2 Best Company to Work For

Synchrony Announces More Than $1.5 Million in Grants to Stamford Nonprofits, Joins Mayor Simmons to Celebrate Spring with Daffodil Blooms

Synchrony Empowers Women in Auto Care with $25,000 Donation

Fintech

Synchrony Announces Integration with Adobe Commerce to Support Merchants with Innovative Financing Options

Synchrony and Ashley Celebrate Nearly 15 Years of Helping Consumers Furnish Their Homes

Contracts

Small Cap

Synchrony Extends Long-Standing Partnership with American Eagle Outfitters, Inc.

Synchrony Reports First Quarter 2025 Results; Company also Announces Quarterly Common Stock Dividend of $0.30 Per Share and Approval of a $2.5 Billion Share Repurchase Program

Synchrony and Belle Tire Partner on New Credit Card Program to Help Make Car Care More Affordable

Synchrony's CareCredit Offered at 100% of Public Veterinary University Hospitals Nationwide, Expanding Access to Pet Care

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