Synchrony Financial

Synchrony Financial is a consumer finance company that originates and manages credit products across multiple channels and industries. The firm's core offerings include private label and co-branded credit cards, installment loans, and healthcare financing solutions. It operates the CareCredit brand, a healthcare-focused payment platform, alongside branded financing programs in specialty retail, apparel, sporting goods, music, and luxury goods sectors. Major retail partners include American Eagle, Dick's Sporting Goods, Guitar Center, and Pandora. The company also provides consumer banking products and deposit services, including savings accounts, money market accounts, certificates of deposit, and individual retirement accounts.

Synchrony operates across several interconnected business segments: consumer credit products through retail partnerships, healthcare payments and financing, and deposit and banking services. It distributes its credit products through networks of national and regional retailers, local merchants, manufacturers, and healthcare service providers. The company maintains a digital and mobile presence for customer interactions and account management.

With approximately 20,000 full-time employees and headquarters in Stamford, Connecticut, Synchrony operates primarily throughout the United States. The company serves diverse end markets including health and wellness, retail, home, auto, telecommunications, and pet industries. Founded in 1932, Synchrony is publicly traded on the New York Stock Exchange.