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Synchrony Financial Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary9 Dec, 2025
Business performance and strategic initiatives
Renewed over 40 partners, including Walmart, and launched new products like Walmart OnePay and Amazon Pay Later, driving momentum into 2026.
Health and Wellness and Digital platforms are expected to deliver outsized growth, with significant investments and integration into 40 ISVs.
Diversified Value platform is buoyed by Walmart OnePay, the fastest-growing program in company history.
Lifestyle and Home & Auto platforms are recovering, with larger ticket purchases expected to improve as consumer confidence returns.
Technology investments in ISV integration, Agentic Commerce, GenAI, and Prism underwriting platform are seen as key competitive differentiators.
Consumer trends and credit performance
Purchase volume turned positive in Q3, with improvements in both average transaction value and frequency across all credit segments.
Super prime segment is experiencing outsized growth, supported by stock market gains and higher consumer confidence.
Holiday sales were strong, driven by promotional activity, with consistent trends across all platforms.
Credit trends continue to outperform seasonality, with delinquencies at 4.5% and loan growth showing signs of improvement.
Credit actions have been phased, with a focus on safe expansion and maintaining risk-adjusted margins.
Growth outlook and competitive positioning
Unwinding of credit curtailment, Walmart partnership, and stable economy position the business for improving growth into 2026.
Targeting a return to 7%-10% loan growth, with Walmart and credit aperture changes as key tailwinds.
Organic pipeline includes both traditional and non-traditional business development, such as ISV integrations and new partnerships like ServiceTitan.
Competition remains rational, with the company winning deals based on product suite and technology capabilities.
97% of balances are with partners renewed through at least 2027, reducing risk of partner loss.
Next phases of credit aperture unwinding
Expand on nontraditional business development
How will PPPC margin expansion be utilized?
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Next Synchrony Financial earnings date
Q4 202527 Jan, 2026
Next Synchrony Financial earnings date
Q4 202527 Jan, 2026
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Frequently asked questions
Consumer Financial Services
Synchrony Financial is an American consumer financial services company, primarily focusing on the U.S. market. Synchrony provides a range of credit products through its partnerships with retailers, manufacturers, healthcare providers, and other businesses. These products mainly include private-label credit cards, dual cards, and general-purpose co-branded credit cards. Additionally, Synchrony offers promotional financing, installment lending, loyalty services, and more. The company is headquartered in Stamford, Connecticut, and its shares are traded on the NYSE.
Spin-Off
Synchrony Financial originates from GE Capital Retail Finance, which was founded in 1932 when General Electric began offering consumer financing. Over the decades, GE Capital expanded its services, evolving into a key player in consumer credit. In 2014, GE restructured, leading to the spin-off of its North American retail finance business as Synchrony Financial. This move was part of GE's strategy to reduce reliance on its financial arm and focus on its industrial core. Since then Synchrony Financial has become an established player in private-label credit cards, store-branded cards, and consumer financial services, offering similar services and products as companies such as American Express and Capital One.
What They Do
Synchrony Financial's core business is centered around consumer financial services, with a strong emphasis on offering credit products. It is a leading issuer of private label credit cards in the United States, catering to a wide array of retail sectors including home furnishings, electronics, and healthcare. These credit products include store-branded cards, dual cards, and general-purpose co-branded credit cards, which are developed in partnership with major retailers and service providers. In addition to credit card services, Synchrony Financial specializes in promotional financing and installment lending. The company also owns and operates a banking subsidiary.
The Banking Arm
Synchrony Bank, the aforementioned banking subsidiary of the parent company, specializes in offering online savings products. It provides high-yield savings accounts, which generally have higher interest rates than traditional ones. The bank also offers certificates of deposit (CDs) with various terms for fixed interest rate savings, and money market accounts that blend features of savings and checking accounts.
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