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SYF · Synchrony Financial · Webcasts, Transcripts & Audio

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$71.51 +0.54 (+0.76%) At close · Oct 1
S&P 500 member Russell 1000 member Rebalance outlook locked
Customer concentration — top 3 customers 10% of revenue

3 customers — 10% of revenue (the year ended December 31, 2025)

“'s, PayPal, which includes our Venmo program, and Sam's Club, each accounted for more than 10% of our total interest and fees on loans for the year ended December 31, 2025.”
View the 10-K filed Feb 6, 2026
Market Cap
$23.73B
Shares
325.37M
Volume · Oct 1 2.86M Avg daily vol (3M) 3.4M

Synchrony Financial Webcasts

Earnings calls, investor updates, investor days and conferences for Synchrony Financial (SYF), with available transcripts, audio replays and slides. Earnings calls also include available highlights, earnings releases and periodic filings.

Pull transcripts and briefs through the earnings call transcript API or MCP →
Earnings call
FY26 · Q3
2026-10-20
Synchrony Financial (SYF) Q3 2026 Earnings Call
Scheduled
Results not yet reported
Audio Transcript Slides 8-K10-Q
Conference
Investor event
2026-09-14
Synchrony Financial (SYF) September 2026 Conference Transcript
No reported result — non-financial event
Audio Transcript Slides
Earnings call
FY26 · Q2
2026-07-21
Synchrony Financial (SYF) Q2 2026 Earnings Call Transcript
Confident tone Purchase Volume and Loan Growth Net Interest Margin and Interest Income
Diluted EPS
$2.59
▲ 3.6% YoY
Audio Transcript Slides 8-K10-Q
Conference
Investor event
2026-06-09
Synchrony Financial (SYF) June 2026 Conference Transcript
No reported result — non-financial event
Audio Transcript Slides
Earnings call
FY26 · Q1
2026-04-21
Synchrony Financial (SYF) Q1 2026 Earnings Call Transcript
Confident tone Consumer resilience and discretionary spending Credit performance and payment rates Purchase volume growth
Diluted EPS
$2.27
▲ 20.1% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q4
2026-01-27
Synchrony Financial (SYF) Q4 2025 Earnings Call Transcript
Confident tone Partner Wins and Renewals 2026 Outlook and Guidance Purchase Volume Growth
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-10-15
Synchrony Financial (SYF) Q3 2025 Earnings Call Transcript
Confident tone Credit Actions & Risk Management Payment Rate Dynamics Walmart Program Launch
Diluted EPS
$2.86
▲ 47.4% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q2
2025-07-22
Synchrony Financial (SYF) Q2 2025 Earnings Call Transcript
Confident tone Purchase volume and receivables Walmart and OnePay partnership Credit actions and credit discipline
Diluted EPS
$2.50
▲ 61.3% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2025-04-22
Synchrony Financial (SYF) Q1 2025 Earnings Call Transcript
Positive tone Credit actions & portfolio management CareCredit / health & wellness growth Purchase volume & customer spend trends
Diluted EPS
$1.89
▼ 39.8% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2025-01-28
Synchrony Financial (SYF) Q4 2024 Earnings Call Transcript
Positive tone Credit actions and growth trade-off Partner programs and renewals PPPC / late fee regulation
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-10-16
Synchrony Financial (SYF) Q3 2024 Earnings Call Transcript
Positive tone Consumer spending trends Partner wins and renewals Late fee rule / PPPC
Diluted EPS
$1.94
▲ 31.1% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2024-07-17
Synchrony Financial (SYF) Q2 2024 Earnings Call Transcript
Positive tone Partner additions and renewals Net charge-offs and credit performance Late fee rule and regulatory risk
Diluted EPS
$1.55
▲ 17.4% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2024-04-24
Synchrony Financial (SYF) Q1 2024 Earnings Call Transcript
Confident tone Purchase volume and consumer spending Strategic transactions Partner growth and new partnerships
Diluted EPS
$3.14
▲ 132.6% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2024-01-23
Synchrony Financial (SYF) Q4 2023 Earnings Call Transcript
Confident tone Ally Lending Acquisition Pets Best Divestiture & IPH Partnership Credit Quality & Charge-offs
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-10-24
Synchrony Financial (SYF) Q3 2023 Earnings Call Transcript
Diluted EPS
$1.48
▲ 0.7% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-07-18
Synchrony Financial (SYF) Q2 2023 Earnings Call Transcript
Diluted EPS
$1.32
▼ 17.5% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-04-19
Synchrony Financial (SYF) Q1 2023 Earnings Call Transcript
Diluted EPS
$1.35
▼ 23.7% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2023-01-23
Synchrony Financial (SYF) Q4 2022 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-10-25
Synchrony Financial (SYF) Q3 2022 Earnings Call Transcript
Diluted EPS
$1.47
▼ 26.5% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-07-18
Synchrony Financial (SYF) Q2 2022 Earnings Call Transcript
Diluted EPS
$1.60
▼ 24.5% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-04-18
Synchrony Financial (SYF) Q1 2022 Earnings Call Transcript
Diluted EPS
$1.77
▲ 2.3% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2022-01-28
Synchrony Financial (SYF) Q4 2021 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY21 · Q3
2021-10-19
Synchrony Financial (SYF) Q3 2021 Earnings Call Transcript
Diluted EPS
$2.00
▲ 284.6% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2021-07-20
Synchrony Financial (SYF) Q2 2021 Earnings Call Transcript
Diluted EPS
$2.12
▲ 3433.3% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2021-04-27
Synchrony Financial (SYF) Q1 2021 Earnings Call Transcript
Diluted EPS
$1.73
▲ 284.4% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2021-01-29
Synchrony Financial (SYF) Q4 2020 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY20 · Q3
2020-10-20
Synchrony Financial (SYF) Q3 2020 Earnings Call Transcript
Diluted EPS
$0.52
▼ 67.5% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q2
2020-07-21
Synchrony Financial (SYF) Q2 2020 Earnings Call Transcript
Diluted EPS
$0.06
▼ 95.2% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q1
2020-04-21
Synchrony Financial (SYF) Q1 2020 Earnings Call Transcript
Diluted EPS
$0.45
▼ 71.2% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY19 · Q4
2020-01-24
Synchrony Financial (SYF) Q4 2019 Earnings Call
Diluted EPS
$1.15
▲ 5.5% YoY
Audio Transcript Slides 8-K10-K
Showing 1–30 of 30 webcasts
Key facts CIK 1601712 CUSIP 87165B103 13F (30d) 24 filings 18 filers Visit website Investor relations