Company Information

Our Differentiated Business Model Delivers Consistent, Strong Results

Considered one of the nation’s premier consumer financial services companies, Synchrony’s differentiated business model is founded upon more than 90 years of consumer lending expertise.

We have a deep understanding of the customers and partners we serve. We leverage our proprietary insights, industry expertise, advanced data analytics, and dynamic technology platform to deliver compelling value to our customers and loyalty to our partners across an ever-evolving landscape.

Synchrony connects our customers and our partners through our digital financial ecosystem, which delivers one of the industry’s most comprehensive product suites through best-in-class, omnichannel customer experiences.

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Synchrony at a Glance

Broad Reach Across Partners and Customers

~475K

Partner Locations

73.5M

Active Accounts

100Ms

Customer Visits Across Our CareCredit, Home, Car Care and Marketplace Networks

240M+

Transactions per Month

Deep Consumer Lending Expertise

~$1.4T

Purchase Volume Since IPO

$103B

Loan Receivables

9K+

Consumer Attributes Used for Underwriting and Cyber Security

As of the period ending December 31, 2023

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

Diversified Portfolio Leverages Deep Industry Expertise to Drive Compelling Outcomes

Synchrony serves a comprehensive range of industries, partners, providers and merchants. Our deep industry expertise informs the comprehensive suite of financial solutions we offer – which includes private label, general purpose, dual- and co-brand credit cards, as well as promotional financing, secured lending, and short- and long-term equal payment installment products.

Synchrony’s diversified portfolio spans the consumer lifecycle of products and services, ranging from everyday purchases – like clothing, groceries, and health and wellness expenses – to more episodic investments — like a new mattress, refrigerator or sport utility vehicle.

Health & Wellness

Synchrony’s Health & Wellness sales platform provides comprehensive healthcare payments and financing solutions, through a network of providers and health systems, for those seeking health and wellness care for themselves, their families and their pets, and includes key brands such as CareCredit and Pets Best, as well as partners such as Walgreens.

Diversified & Value

Synchrony’s Diversified & Value sales platform provides comprehensive payments and financing solutions with integrated in-store and digital experiences through large retail partners who deliver everyday value to consumers shopping for daily needs or important life moments. Our Diversified & Value sales platform is comprised of five large retail partners: Belk, Fleet Farm, JCPenney, Sam's Club and TJX Companies, Inc.

Digital

Synchrony’s Digital sales platform provides comprehensive payments and financing solutions with integrated digital experiences through partners and merchants who primarily engage with their consumers through digital channels. Our Digital sales platform includes key partners delivering digital payment solutions, such as PayPal, including our Venmo program, online marketplaces, such as Amazon and eBay, and digital-first brands and merchants, such as Verizon, the Qurate brands and Fanatics.

Home & Auto

Synchrony’s Home & Auto sales platform provides comprehensive payments and financing solutions with integrated in-store and digital experiences through a broad network of partners and merchants providing home and automotive merchandise and services, as well as our Synchrony Car Care network and Synchrony HOME credit card offering. Our Home & Auto sales platform includes a wide range of key retailers in the home improvement, furniture, bedding, appliance and electronics industry, such as Ashley HomeStores LTD, Lowe’s, and Mattress Firm, as well as automotive merchandise and services, such as Chevron and Discount Tire.

Lifestyle

Synchrony’s Lifestyle sales platform provides comprehensive payments and financing solutions with integrated in-store and digital experiences through partners and merchants such as American Eagle, Dick's Sporting Goods, Guitar Center, Sweetwater, Kawasaki, Polaris, Suzuki, Pandora and others who offer merchandise in power sports, outdoor power equipment, and other industries such as sporting goods, apparel, jewelry and music.

Digital Bank Serves as Funding Foundation

Our award-winning digital bank enables us to grow deposits nationwide while providing stable, low-cost funding in support of our consumer lending portfolio. Synchrony Bank customers value our seamless experiences, variety of FDIC-insured savings products, and competitive pricing – contributing to industry-leading customer satisfaction scores, enduring relationship tenures and various industry accolades.