Synchrony Financial (NYSE:SYF) is one of the stocks Jim Cramer commented on. Answering a caller’s query about the stock, Cramer remarked: I don’t want to own Synchrony. I want to own Capital One, COF, the Charitable Trust owns it. It’s pulled back nicely from $259 to $225. Photo by Adam Nowakowski on Unsplash Synchrony Financial (NYSE:SYF) provides credit cards, installment loans, and healthcare financing, and also offers basic banking services. Cramer made similar remarks when he discussed the compan ...

Financial Performance - Net earnings increased 1.5% to $3.6 billion for the year ended December 31, 2025, compared to $3.5 billion in 2024[156]. - Net interest income rose by $455 million to $18.5 billion, primarily due to lower interest expense and a 0.5% increase in interest and fees on loans[159]. - Loan receivables decreased by 0.9% to $103.8 billion at December 31, 2025, reflecting higher payment rates and flat purchase volume[159]. - Over-30 day loan delinquencies decreased by 21 basis points to 4.49% at December 31, 2025, from 4.70% at December 31, 2024[159]. - Total deposits decreased by 1.1% to $81.1 billion at December 31, 2025, representing 84% of total funding sources[159]. - The net charge-off rate decreased by 66 basis points to 5.65% for the year ended December 31, 2025[162]. - The return on assets improved to 3.0% for the year ended December 31, 2025, compared to 2.9% in 2024[162]. - Total interest-earning assets increased to $121,158 million in 2025, with a net interest income of $18,466 million, reflecting a net interest margin of 15.24%[170]. - Credit card loan receivables reached $92,566 million in 2025, generating interest income of $20,683 million at an average yield of 22.34%[170]. - Total liabilities decreased to $102,380 million in 2025, while total equity increased to $16,858 million[170]. Customer Engagement and Digital Strategy - Approximately 60% of consumer revolving credit applications in 2025 were processed through a digital channel, highlighting the company's digital capabilities[28]. - The company continues to invest in digital assets to adapt to the evolving market environment and meet partner and customer needs[28]. - Loyalty programs were expanded in 2025 to include travel-related discounts, enhancing customer engagement and retention[86]. - Approximately 81% of customers primarily use direct channels (internet, mail, phone, and mobile) to manage their bank accounts, indicating a strong consumer preference for direct banking[112]. - The company has invested in servicing and digital platforms to enhance self-service features and improve user experience, including a PayPal-branded affinity deposit product[113]. Sales Platforms and Partnerships - The company operates through five sales platforms: Home & Auto, Digital, Diversified & Value, Health & Wellness, and Lifestyle[32]. - The Home & Auto sales platform accounted for $5.7 billion, or 26%, of total interest and fees on loans for the year ended December 31, 2025[34]. - Digital sales platform accounted for $6.4 billion, or 30%, of total interest and fees on loans for the year ended December 31, 2025[37]. - Diversified & Value sales platform contributed $4.7 billion, or 22%, of total interest and fees on loans for the year ended December 31, 2025[41]. - Health & Wellness sales platform represented $3.8 billion, or 17%, of total interest and fees on loans for the year ended December 31, 2025[44]. - Lifestyle sales platform accounted for $1.1 billion, or 5%, of total interest and fees on loans for the year ended December 31, 2025[49]. - A new partnership with OnePay was launched in September 2025, becoming the exclusive issuer of a credit card program at Walmart[42]. - The company maintains longstanding relationships with partners, including major retailers and digital platforms like Amazon and PayPal, enhancing customer loyalty and sales[28]. Operational Efficiency and Employee Engagement - The company’s operations are primarily within the United States, focusing on managing profitability and expenses across its single business segment[29]. - As of December 31, 2025, the company had over 20,000 full-time employees, with a workforce composition of 61% female and 38% male[133]. - In 2025, 91% of employees participated in the engagement survey, with 95% stating it is a great place to work[132]. - The company plans to increase the minimum wage to $22.50 per hour for all hourly employees in the United States effective March 1, 2026[134]. Financial Management and Risk - The credit risk management strategy is diversified across approximately 115 million open accounts as of December 31, 2025, with no significant individual exposures[117]. - The company utilizes proprietary credit tools, Synchrony PRISM, to gain insights into customer applications and creditworthiness[118]. - The company expects growth in loan receivables and interest and fees on loans in 2026, driven by new programs and improved customer spending behavior[172]. - Provision for credit losses decreased by $1.5 billion to $5.2 billion for the year ended December 31, 2025, primarily due to lower net charge-offs[193]. Capital and Investment - The company repurchased $2.9 billion of its outstanding common stock and declared cash dividends of $1.15 per common share, totaling $427 million[159]. - Capital levels included a Basel III common equity Tier 1 ratio of 12.6% at December 31, 2025, with $427 million in dividends declared and $2.9 billion in stock repurchases[178]. - The company plans to introduce new deposit products and enhancements, including transactional capabilities and additional digital servicing options, to attract new deposits and retain existing ones[114].

With a market cap. of $26.6 billion, Synchrony Financial (SYF) provides a wide range of credit products, including credit cards, installment loans, and commercial financing, along with consumer banking and deposit products. It partners with major retailers, healthcare providers, and brands across industries such as retail, health and wellness, home, auto, and digital services. Shares of the Stamford, Connecticut-based company have lagged behind the broader market over the past 52 weeks. SYF stock has soa ...

Synchrony Financial (NYSE:SYF) is one of the most undervalued quality stocks to buy right now. On January 29, Truist reduced the price target for Synchrony to $84 from $92 and kept a Hold rating on the shares. Following the company’s recent earnings report and subsequent guidance, the firm is adjusting its financial model and noted that the previous outlook on credit had been a little optimistic. Following the release of Q4 2025 results, RBC Capital adjusted the price target for Synchrony to $85, down fr ...

Core Viewpoint - RBC Capital analyst Jon Arfstrom has lowered the price target for Synchrony (SYF) to $85 from $91 while maintaining a Sector Perform rating after reviewing the company's Q4 results [1] Group 1: Q4 Results - The Q4 results were encouraging, showing improvement in year-over-year spending volumes and credit metrics [1] - The outlook for 2026 is seen as mostly consistent with recent commentary and expectations [1]

Core Viewpoint - Synchrony Financial reported mixed results for Q4, with earnings per share exceeding expectations but sales falling short [1] Financial Performance - Quarterly earnings were $2.18 per share, surpassing the analyst consensus estimate of $2.04 per share [1] - Quarterly sales amounted to $4.761 billion, missing the analyst consensus estimate of $4.769 billion [1] - The company projects FY2026 GAAP EPS to be between $9.10 and $9.50, compared to market estimates of $9.20 [1] Stock Performance - Following the earnings announcement, Synchrony Financial shares increased by 1.9%, trading at $74.39 [1] Analyst Ratings and Price Targets - BTIG analyst Vincent Caintic maintained a Buy rating but reduced the price target from $100 to $96 [3] - Barclays analyst Terry Ma kept an Overweight rating while lowering the price target from $101 to $93 [3] - RBC Capital analyst Jon G. Arfstrom maintained a Sector Perform rating and decreased the price target from $91 to $85 [3]

Synchrony Financial (NYSE:SYF) reported mixed results for the fourth quarter on Tuesday.The company posted quarterly earnings of $2.18 per share which beat the analyst consensus estimate of $2.04 per share. The company reported quarterly sales of $4.761 billion which missed the analyst consensus estimate of $4.769 billion.Synchrony Financial said it sees FY2026 GAAP EPS of $9.10-$9.50, versus market estimates of $9.20.Synchrony Finl shares rose 1.9% to trade at $74.39 on Wednesday.These analysts made change ...

Core Viewpoint - Extreme weather conditions are significantly disrupting logistics operations across Europe, leading to cargo vessels seeking shelter and terminals halting or scaling down their activities [1] Group 1: Impact on Logistics Operations - Severe disruptions are reported in logistics operations due to extreme weather [1] - Cargo vessels are sheltering to avoid adverse weather conditions [1] - Terminals are forced to halt or reduce their operational activities [1]

For Synchrony Financial ( SYF ), 2025 was all about growing earnings without much growth in the number of customers or loan balances. Synchrony set itself upI retired early after 22 years in the energy industry with roles in engineering, planning, and financial analysis. I have managed my own portfolio since 1998 and have met my goal to match the S+P 500 return over the long term with lower volatility and higher income. I mostly write on positions I already hold or am considering changing. I prefer to hold ...

Core Insights - Synchrony Financial (NYSE:SYF) is a leading consumer financial services company in the U.S., offering various credit products and known for strong partnerships with retailers and healthcare providers [1] Financial Performance - On January 27, 2026, SYF reported an earnings per share (EPS) of $2.47, exceeding the estimated $2.02, and showing an increase from $1.91 a year ago [2] - The company reported revenue of $5.86 billion, surpassing the estimated $3.80 billion, with a previous quarter revenue of $4.76 billion, reflecting a 3.7% year-over-year increase [3] - SYF's net interest income reached $4.8 billion, a 3.7% increase year over year, driven by improved efficiency and higher purchase volumes [4] Valuation Metrics - SYF has a price-to-earnings (P/E) ratio of approximately 6.25 and a price-to-sales ratio of about 1.34, indicating strong earnings potential for investors [5] - The enterprise value to sales ratio is around 0.60, and the enterprise value to operating cash flow ratio is approximately 1.25, further reflecting the company's financial health [5]