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Growth Highlights

Retail Card

Consumer payments provider for major digital partners and retailers.

  • Loan receivables of more than $56 billion in 2019.
  • Continued growth and diversification through digitally driven partners.
  • Extended and expanded relationship with PayPal, including becoming the exclusive issuer of Venmo’s first co-branded consumer credit card.
  • Extended Dick’s Sporting Goods relationship and signed new partnerships with Norwegian Air and Verizon.

Payment Solutions

Consumer payments provider for small and medium-sized businesses.

  • Loan receivables of more than $20 billion in 2019.
  • Expanded Synchrony Car Care acceptance to 730,000+ auto retailers and launched out-of-network promotional financing.
  • Launched the Synchrony HOME card, the one card for all home purchases, now accepted at 1.3 million locations.
  • Extended partnerships with PC Richard & Son, Polaris, Rooms To Go, Suzuki and more; announced new partnerships with Mor Furniture for Less, Samsung HVAC, Zero Motorcycles and more.


Consumer financing for health, wellness, personal and veterinary care.

  • Loan receivables of more than $10 billion in 2019.
  • Expanded CareCredit network into health systems and networks—five agreements signed.
  • Expanded reach from “vet to pet” with acquisition of Pets Best, offering pet insurance and wellness plans for dogs and cats.
  • Signed five tech partnerships—including Loyale and Simplee—to increase acceptance of CareCredit and improve the patient financial experience.

Synchrony Bank

Online direct bank offering a range of FDIC-insured deposit products.

  • Retail deposits of more than $53 billion in 2019.
  • Total deposits accounted for 77% of Synchrony’s funding.
  • Launched native digital app and streamlined the new account opening process.
  • Improved marketing efficiency using data driven decisions and launched new capabilities, including social media.

We are focused on delivering our short-term commitments while driving long-term value creation for all of our stakeholders. We do this by investing in our core while diversifying across the business, strengthening our existing partner relationships, winning new partners, extending into new markets and delivering innovative products and capabilities that drive value to our customers, our partners and Synchrony.”

Brian Doubles