Synchrony

SYF

Market cap $28B

Synchrony Financial: The Dip Made Valuation Synchronized With Fundamentals

Synchrony deepens its Clover integration, letting 40,000+ providers offer CareCredit financing at the point of sale.

Synchrony Financial faces heightened political risk after President Trump proposed a 10% cap on credit card interest rates. A 10% cap would render SYF's business model unprofitable, potentially leading to major credit contraction and consumer spending decline. I view the probability of such a cap passing as low, given legal and congressional hurdles and negative economic ramifications.

Health and wellness providers who use Clover devices can now offer their patients CareCredit's patient financing solution. The offering is enabled by an expanded integration of CareCredit parent company Synchrony with Clover, which is an all-in-one commerce solution from Fiserv, the companies said in a Monday (Jan. 12) press release.

Shares of banks and credit card companies moved lower after US president Donald Trump proposed capping interest rates on cards to 10% for a year starting January 20, rekindling an idea initially put forward during his 2024 presidential campaign. The average interest rate for credit cards in the US is reportedly about 20%.

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Integration on Clover devices now reaches over 40,000 health and wellness providers, streamlining patient applications and payments at the point of sale  Key Highlights: Enables all providers who use Clover devices to facilitate CareCredit applications and process transactions at the point of sale -- helping them scale their financial processes to drive business growth. CareCredit is the first and only patient financing solution available on the Clover App Market.

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STAMFORD, Conn., Jan. 6, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its fourth quarter 2025 results on Tuesday, January 27, 2026.

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