Investor Relations

Differentiated.<br>Innovative.<br>Driving Value.

Synchrony Powers Commerce Through Our Leading Financial Ecosystem

Synchrony delivers one of the industry’s most comprehensive product suites through seamless, omnichannel experiences, enabling us to connect our customers and our partners and provide financial solutions that drive value for our many stakeholders.

Investor Presentation

Latest News

Synchrony and The Human Animal Bond Research Institute Form Strategic Alliance to Champion the Human-Animal Bond

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J.Crew Group Partners with Synchrony and Mastercard® for New Credit Card Program

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Synchrony to Participate in the Goldman Sachs 2023 US Financial Services Conference

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Synchrony Partners with Big Brand Tire & Service to Offer Shoppers More Accessible Financing Options

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Latest Presentation

Investor Presentation - February 2023

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Upcoming Event

Goldman Sachs 2023 US Financial Services Conference

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Latest Financial Results

Q3'23

Quarter Ended Sep 30, 2023
Earnings Release
PDF
Earnings Webcast
Audio
Presentation
PDF
10-Q Filing
HTML PDF
XBRL
ZIP

We Manage a Balanced Portfolio

Purchase Volume by Platform

Out of Partner Spend

2022 EOP Receivables

As of the period ending December 31, 2022 • Synchrony Investor Presentation
For complete information regarding our financials, see our periodic filings.

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

Purchase Volume

Synchrony Investor Presentation

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

EOP Loan Receivables

Synchrony Investor Presentation

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

Net Interest Income

Synchrony Investor Presentation

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

Events

  • 2009-2010

    Financial Crisis

  • 2011

    CARD Act Took Effect

  • 2017-2019

    Credit Normalization

  • 2020-2022

    COVID-19 Pandemic

1. Risk-adjusted return (RAR) defined as net interest income minus retailer share agreements (RSA) and net charge offs (NCOs), divided by average loan receivables (ALR)

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

Synchrony Investor Presentation

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

Making the World a Better Place

People are at the heart of our business. We're committed to supporting our communities and employees while upholding best in class in operations.

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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