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Synchrony Financial SYF · USD
Financials · Consumer Finance · US listing · 🇺🇸 United States
S&P 500
73.22
-0.71%
Close of 9 Nov 2026, in USD
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About Synchrony Financial
From its filings with the US Securities and Exchange Commission
Synchrony Financial is based in Stamford, Connecticut and is incorporated in New York. Its shares trade on NYSE under the ticker SYF. It is a member of the S&P 500. The SEC classifies its business as finance services. In the fiscal year to 31 December 2025, it reported net income of $3.55bn. At that date it held total assets of $119.09bn and shareholders' equity of $16.77bn.
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 31 Jul 2014
- Employees
- 20,000
- Website
- synchronyfinancial.com ↗
- Head office
- 777 LONG RIDGE ROAD, STAMFORD, CT, 06902-1250
- Incorporated in
- NY
- Classification
- Finance Services
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Jeffrey NaylorNon-Executive Independent Chairman of the Board$535,172
- Mr. Brian DoublesPresident, Chief Executive Officer, Director, since 2014$18.8m
- Mr. Brian WenzelChief Financial Officer, Executive Vice President$5.7m
- Ms. Carol JuelExecutive Vice President, Chief Technology and Operating Officer$5.1m
- Mr. Jonathan MothnerExecutive Vice President, Chief Risk and Legal Officer$5.1m
- Mr. Alberto CasellasExecutive Vice President, Chief Executive Officer - Health and Wellness$4.5m
- Ms. Courtney GentlemanExecutive Vice President, Chief Executive Officer - Diversified & Value
- Mr. Curtis HowseExecutive Vice President, Chief Executive Officer - Home and Auto$4.5m
- Mr. Darrell OwensExecutive Vice President, Chief Executive Officer - Lifestyle Platform
- Mr. Barton SchallerExecutive Vice President, Chief Executive Officer - Digital
- Ms. Amy TiliakosSenior Vice President, Chief Accounting Officer, Controller
- Ms. Deborah EllingerDirector
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 60
- Environment
- 39
- Social
- 99
- Governance
- 41
- Direct emissions (scope 1)
- 126 t
- Energy emissions (scope 2)
- 17,606 t
- Value chain emissions (scope 3)
- 16,769 t
- Women in the workforce
- 61%
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Synchrony Financial boasts a strong market position and a wide range of financial products and services, enabling it to serve diverse customer needs effectively. The company has established successful partnerships with numerous top retailers, giving it a competitive advantage in the consumer financing sector. Its well-established brand and reputation for providing convenient and flexible payment solutions contribute to its strong customer base. Synchrony Financial's strong financial performance and ability to deliver consistent profitability are also key strengths.
Weaknesses
- Synchrony Financial faces certain weaknesses that warrant attention. The company's heavy reliance on its retailer partners for a significant portion of its business exposes it to potential risks if any of those partnerships were to deteriorate or terminate. The ongoing technological advancements in the financial industry also pose a challenge for Synchrony Financial to continuously adapt and innovate in order to meet changing customer demands. Moreover, the company's business operations being concentrated in the United States make it vulnerable to any negative impacts on the domestic economy.
Opportunities
- Synchrony Financial can capitalize on various opportunities in the market. Expanding its partnerships with more retailers, both domestically and internationally, would enable the company to diversify its customer base and increase its market share. The growing trend towards online and mobile payment solutions presents an opportunity for Synchrony Financial to invest in digital technologies and enhance its digital capabilities. Additionally, there is potential for the company to expand its financial services beyond consumer financing and venture into other areas such as small business lending or wealth management.
Threats
- Synchrony Financial faces threats that could impact its operations. The increasing regulatory scrutiny in the financial industry poses a risk for the company, as any changes in regulations or compliance requirements could potentially affect its business practices and increase operational costs. Intensifying competition in the consumer financing sector, both from traditional financial institutions and emerging fintech companies, also presents a threat to Synchrony Financial's market position. Moreover, any economic downturn or financial instability could adversely impact consumer spending, leading to decreased demand for the company's financial products and services.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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