SYF Q3 2024 Earnings Call: Full Transcript and Analysis

Earnings Insights: Synchrony Financial’s Q3 2024 Performance

A Strong Start to the Day

Good morning! Welcome to Synchrony Financial’s Third Quarter 2024 Earnings Conference Call. As we dive into the details of our quarterly performance, please note that all necessary materials, including our press release, financial schedules, and presentation, are readily available on our website, synchronyfinancial.com.

Forward-Looking Statements: A Reminder

Before we begin, a quick reminder that our comments today will include forward-looking statements, subject to risks and uncertainties. Actual results may differ materially, and we’ve outlined the potential factors that could cause this in our SEC filings, also accessible on our website.

Synchrony Financial’s Q3 2024 Highlights

Now, let’s get started! Our President and CEO, Brian Doubles, will share his insights on our quarterly performance, followed by Brian Wenzel, EVP and CFO, who will provide a detailed financial overview.

Your Questions, Answered

Following the management’s prepared remarks, we’ll open the floor for your questions. Don’t hesitate to ask! Our team is here to provide clarity and address any concerns you may have.

Meet the Participants

Today’s conference call features a distinguished panel of participants, including Ryan Nash from Goldman Sachs, Terry Ma from Barclays, and several other esteemed representatives from leading financial institutions.

A Collaborative Discussion

Throughout this call, we’ll engage in an open and informative discussion about Synchrony Financial’s Q3 2024 performance. Your active participation is crucial in making this conversation valuable and insightful. So, let’s get started!

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