Synchrony Financial
- 거래소
- 미국
- 국가 / 지역
- USA
- 상장일
- 2014년 7월 31일
- 직원 수
- 20,000
종합 밸류에이션 구간 · 보수적 $62–$72 / 적정 $75–$88 / 낙관적 $90–$105. $75.31 기준, 적정 내재가치 구간 내.
보고서 발행 시 $71.47（2026년 5월 29일）
데이터 제공: EODHD, 보고 통화 기준 표시. 참고용일 뿐 투자 자문이 아닙니다.
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
연혁
Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut. It is a consumer financial services company in the United States, providing credit products including private label credit cards, dual and general-purpose co-branded cards, short- and long-term installment loans, and commercial credit products, alongside consumer banking and deposit products such as certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. The company completed its IPO on July 31, 2014. It operates through five sales platforms: Home & Auto, Digital, Diversified & Value, Health & Wellness, and Lifestyle. It has expanded through acquisitions, purchasing Ally Lending in 2024 and Versatile Credit in 2025. By the end of 2025 its loan receivables exceeded 100 billion U.S. dollars, of which 92.8% came from credit cards, 5.3% from consumer installment, and 1.8% from commercial credit products. The company employs about 20,000 people.
업계 내 위치
Synchrony operates as a leading consumer finance company in the private label card and merchant-embedded financing segment, offering private label cards, co-branded cards, and promotional and installment financing through programs with national and regional retailers, merchants, manufacturers, buying groups, industry associations, and healthcare providers, earning interest and fees from consumers and sharing revenue with retail partners. Its partner roster includes Amazon, Lowe's, PayPal, Sam's Club, and TJX, plus American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater; it also provides healthcare payments and financing under the CareCredit and Walgreens brands. In 2025 its five largest programs accounted for 54% of interest and loan fees and 52% of loan receivables, with Lowe's, PayPal (including Venmo), and Sam's Club each exceeding 10% of total interest and loan fees; its five largest partner relationships each span more than 14 years, Lowe's spans 46 years, and the agreements run to expirations between 2030 and 2035. Its Health & Wellness network covered more than 290,000 locations in 2025. Deposits funded 84% of its funding sources at the end of 2025. Sources of differentiation include long-standing retail and healthcare partnerships, merchant system integration, joint marketing and loyalty programs, accumulated account and partner data, and a deposit-based funding structure. Synchrony itself lists Ally, American Express, Bread Financial, Capital One, Block, PayPal, Visa, and Mastercard among its comparison companies.
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