Synchrony Financial (SYF) Q4 2025 Earnings Call January 27, 2026 8:00 AM EST
Company Participants
Kathryn Miller – Senior Vice President & Director of Investor Relations
Brian Doubles – President, CEO & Director
Brian Wenzel – Executive VP & CFO
Conference Call Participants
Sanjay Sakhrani – Keefe, Bruyette, & Woods, Inc., Research Division
Ryan Nash – Goldman Sachs Group, Inc., Research Division
Terry Ma – Barclays Bank PLC, Research Division
Moshe Orenbuch – TD Cowen, Research Division
Mihir Bhatia – BofA Securities, Research Division
L. Erika Penala – UBS Investment Bank, Research Division
Richard Shane – JPMorgan Chase & Co, Research Division
Robert Wildhack – Autonomous Research US LP
Jeffrey Adelson – Morgan Stanley, Research Division
Brian Foran – Truist Securities, Inc., Research Division
Donald Fandetti – Wells Fargo Securities, LLC, Research Division
Presentation
Operator
Good morning, and welcome to the Synchrony Financial Fourth Quarter 2025 Earnings Conference Call. Please refer to the company’s Investor Relations website for access to their earnings materials. Please be advised that today’s conference is being recorded. [Operator Instructions]
I will now turn the call over to Kathryn Miller, Senior Vice President of Investor Relations. Thank you. You may begin.
Kathryn Miller
Senior Vice President & Director of Investor Relations
Thank you, and good morning, everyone. Welcome to our quarterly earnings conference call. In addition to today’s press release, we have provided a presentation that covers the topics we plan to address during our call. The press release, detailed financial schedules and presentation are available on our website, synchronyfinancial.com. This information can be accessed by going to the Investor Relations section of the website.
Before we get started, I wanted to remind you that our comments today will include forward-looking statements. These statements are subject to risks and uncertainty, and actual results could differ materially. We list the factors that might cause actual results to differ materially in our
