Synchrony Financial is a U.S. consumer finance company best known for private-label and co-branded credit cards issued with major retailers and brands. It also provides healthcare and specialty financing such as CareCredit for elective medical and dental procedures. Revenue comes mainly from interest and fees on revolving consumer credit rather than traditional full-service banking. Deep retailer partnerships and vertical financing programs define its niche versus general-purpose card issuers.
| Quarter | Revenue | YoY % | Earnings | YoY % |
|---|---|---|---|---|
| Q2 2025 | 3,647 | — | 946 | 52% |
| Q3 2025 | 3,823 | — | 1,057 | 37.9% |
| Q4 2025 | 3,793 | — | 730 | -1.8% |
| Q1 2026 | 3,698 | — | 784 | 6.7% |
| Q2 2026 | 3,718 | 1.9% | 864 | -8.7% |
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