Well Positioned to Deliver Sustainable Growth
Differentiated Business Model...
DEEP CONSUMER LENDING EXPERTISE
$1.2T
Purchase Volume since IPO
9K+
Consumer Attributes
Used for Underwriting
and Cyber Security
$92B
Loan Receivables
synchrony
PURCHASE VOLUME BY PLATFORM
29%
DIGITAL
33%
DIVERSIFIED &
VALUE
27%
HOME & AUTO
8%
HEALTH &
WELLNESS
3%
LIFESTYLE
BROAD REACH
460K+
Partner Locations
100Ms
Customer Visits
across our CareCredit, Home,
Car Care and MySynchrony
Networks
70M+
Active Accounts
235M+
Transactions per Month2
NON-DISCRETIONARY
BALANCED PORTFOLIO
OUT OF PARTNER SPEND
Health
& Pet
12%
Auto &
Gas
19%
T&E
7%
11%
Grocery
15%
Bill Pay
6%
Discount Stores
22%
Clothing/
Other
INNOVATION-DRIVEN EVOLUTION
46
U.S. Patents
200+
Agile Build Teams
~60%
Digital Applications
YEAR-END RECEIVABLES
8%
Home
Furnishings
26%
NON-PRIME
33%
PRIME
41%
SUPER-PRIME
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