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Raw inputs
Equipment
Foundry
Chip design
Software
AI demand
—
Company details
Market cap
$24B
P/E ratio
~7×
Div yield
~1.7%
EPS (TTM)
$9.69
Net income (Q1)
$805M
Loan receivables
$100B
Deposits
$83B
Net charge-off rate
5.4%
In plain English
Synchrony is the invisible bank behind the store card in your wallet. When you finance a couch at Lowe's, a vet bill on CareCredit, or pay at Sam's Club, Amazon or PayPal, it is usually Synchrony — not the retailer — that lends you the money, takes the credit risk, and earns the interest. It funds those loans with online deposits at Synchrony Bank, and was spun out of GE Capital in 2014.
In simple terms
The bank hiding behind the store card
When you open a card at Lowe's or finance a vet bill on CareCredit, the retailer's name is on the card — but Synchrony is the lender. It takes your deposit money at Synchrony Bank, lends it back out as card balances, carries the credit risk, and shares the economics with the retailer.
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