Investor Relations

Latest Financial Results

Jul 17, 2024 • 6:00 AM EDT

Q2'24 Quarterly Results

Quarter Ended Jun 30, 2024

Latest News

Synchrony's CareCredit Selected as Preferred Financing Solution for The Veterinary Cooperative

View Press Release

Synchrony Reports Second Quarter 2024 Results

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Synchrony Selects Atlanticus for Preferred Second Look Financing Program

View Press Release

Synchrony to Announce Second Quarter 2024 Financial Results on July 17, 2024

View Press Release

Latest Presentation

Investor Presentation - February 2023

Latest Event

Synchrony Financial Q2’24 Financial Results

Latest Financial Results

We Manage a Balanced Portfolio

Purchase Volume by Platform

Out of Partner Spend

2023 EOP Receivables

As of the period ending December 31, 2023
For complete information regarding our financials, see our periodic filings.

We are Well-positioned to Deliver Sustainable Growth...

Purchase Volume

EOP Loan Receivables

Net Interest Income

As of the period ending December 31, 2023
For complete information regarding our financials, see our periodic filings.

....At Resilient Risk-Adjusted Margins

Year RAR¹ RSA/ALR² NCO/ALR²
2009³ 5.39 1.60 10.67
2010 5.39 2.19 9.28
2011 9.55 3.24 5.80
2012 10.99 4.17 4.93
2013 10.93 4.53 4.68
2014 10.76 4.51 4.51
2015 10.73 4.44 4.36
2016 10.77 4.23 4.57
2017 10.34 3.88 5.37
2018 9.58 3.72 5.63
2019 8.52 4.35 5.65
2020 8.69 4.55 4.58
2021 9.32 5.74 2.92
2022 10.03 5.12 3.00
2023 9.19 3.86 4.87

Events

  • 2009-2010

    Financial Crisis

  • 2011

    CARD Act Took Effect

  • 2017-2019

    Credit Normalization

  • 2020-2022

    COVID-19 Pandemic

1. Risk-adjusted return (“RAR”) represents Total interest income (Interest and fees on loans plus Interest on cash and debt securities) less interest expense, RSA and NCOs, stated as a percentage of average loan receivables.

2. RSA/ALR refers to Retail Share Arrangements as a percentage of Average Loan Receivables; NCO/ALR refers to Net Charge-Offs as a percentage of Average Loan Receivables.

3. Refer to slide 31 of the Feb. 27, 2023 Synchrony Investor Presentation for a non-GAAP reconciliation for 2009

For complete information regarding our financials, see our periodic filings.

Making the World a Better Place

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Contacts

Corporate Office

Synchrony Financial
777 Long Ridge Road
Stamford, CT 06902
United States

Investor Relations

Equity Investor Relations:
Kathryn Miller
Kathryn.Miller@syf.com

Fixed Income Investor Relations:
Chris Coffey
Christopher.Coffey@syf.com

Transfer Agent

Computershare Trust Company, N.A.
T: 866-247-1651