Synchrony Financial

Synchrony Financial (NYSE: SYF) is one of the nation’s premier consumer financial services companies. Our roots in consumer finance trace back to 1932, and today we are the largest provider of private label credit cards in the United States based on purchase volume and receivables.* We provide a range of credit products through programs we have established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers to help generate growth for our partners and offer financial flexibility to our customers. Through our partners’ over 350,000 locations across the United States and Canada, and their websites and mobile applications, we offer our customers a variety of credit products to finance the purchase of goods and services. Synchrony Financial (formerly GE Capital Retail Finance) offers private label and co-branded Dual Card™ credit cards, promotional financing and installment lending, loyalty programs and FDIC-insured savings products through Synchrony Bank. *Source: The Nilson Report (April, 2015, Issue #1062) – based on 2014 data.
Company Growth (employees)
Stamford, US
Size (employees)
15,000 (est)
Synchrony Financial is headquartered in Stamford, US

Key People/Management at Synchrony Financial

Margaret Keane

Margaret Keane

President & Chief Executive Officer
Paget Alves

Paget Alves

Former Chief Sales Officer of Sprint Corporation
Arthur Coviello

Arthur Coviello

Former Executive Vice President of EMC Corporation, and Executive Chairman, RSA
William Graylin

William Graylin

Global Co-General Manager of Samsung Pay, Samsung Electronics America, Inc
Roy Guthrie

Roy Guthrie

Former Executive Vice President and Chief Financial Officer of Discover Financial Services, Inc
Richard Hartnack

Richard Hartnack

Former Vice Chairman and Head, Consumer and Small Business Banking of U.S. Bancorp
Jeffrey Naylor

Jeffrey Naylor

Founder and Managing Director of Topaz Consulting, LLC; Former CFO and CAO With the TJX Companies, Inc
Laurel Richie

Laurel Richie

Former President of the Women’s National Basketball Association LLC
Olympia Snowe

Olympia Snowe

Chairman and CEO of Olympia Snowe, LLC

Synchrony Financial Office Locations

Synchrony Financial has an office in Stamford
Stamford, US (HQ)
777 Long Ridge Rd
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Synchrony Financial Financials and Metrics

Synchrony Financial Financials

Synchrony Financial's revenue was reported to be $12.7 b in FY, 2014

Revenue (Q3, 2017)

4.3 b

Gross profit (Q3, 2017)

4 b

Gross profit margin (Q3, 2017), %


Net income (Q3, 2017)

555 m

EBIT (Q3, 2017)

3.9 b

Market capitalization (16-Feb-2018)

28.9 b
Synchrony Financial's current market capitalization is $28.9 b.
USDFY, 2014FY, 2015


12.7 b

Cost of goods sold

922 m

Gross profit

11.8 b

Gross profit Margin, %

USDQ1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017


3.6 b3.6 b3.9 b4 b4 b4.3 b

Cost of goods sold

311 m303 m315 m326 m333 m357 m

Gross profit

3.3 b3.3 b3.6 b3.7 b3.7 b4 b

Gross profit Margin, %

USDY, 2011Y, 2012Y, 2013FY, 2014FY, 2015FY, 2016


1.2 b1.3 b2.3 b11.8 b12.3 b

Accounts Receivable

33.9 m46.4 m


3.9 m6.1 m

Accounts Payable

14 m15.4 m
USDFY, 2014FY, 2015

Net Income

2.1 b

Accounts Receivable

(29.5 m)(75.4 m)


9.5 m(16.4 m)

Accounts Payable

47.4 m41.2 m
USDQ1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

Net Income

582 m1.1 b1.7 b499 m995 m1.6 b

Depreciation and Amortization

54 m108 m164 m59 m118 m187 m

Accounts Payable

(449 m)(496 m)(321 m)(576 m)(242 m)282 m

Cash From Investing Activities

1.4 b(960 m)(2.2 b)
USDY, 2017


287.3 k
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Synchrony Financial Operating Metrics

FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017


338 k350 k365 k

Active Accounts

64.3 m61.6 m60.9 m62.2 m68.3 m66.1 m65.5 m66.6 m71.9 m69.6 m68.6 m

Customers (Deposits)

150 k230 k300 k

Accounts (Deposits)

250 k400 k535 k
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Synchrony Financial Acquisitions / Subsidiaries

Acquired CompanyDateDeal Size
GPShopperMarch 21, 2017

Synchrony Financial Market Value History

Show all human capital metrics

Synchrony Financial's Web-traffic and Trends

Synchrony Financial Online and Social Media Presence

Synchrony Financial Company Life and Culture

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