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.

Latest News

Synchrony to Participate in the UBS Financial Services Conference

View Press Release

PatientNow and Synchrony Enhance Partnership to Transform Payments and Digital Account Management Solutions For The Cosmetic Industry

View Press Release

Synchrony Announces Quarterly Common Stock Dividend of $0.25 Per Share

View Press Release

Synchrony Reports Fourth Quarter 2023 Results

View Press Release

Latest Presentation

Investor Presentation - February 2023

Latest Event

UBS Financial Services Conference

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

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

View Our ESG Efforts

Email Alerts

Sign up today and receive company updates straight to your inbox.

Sign Up Today

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