Synchrony Financial (SYF) Q2 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.778 Good morning, and welcome to the Synchrony Financial second quarter 2025 earnings conference 00:00:04.778 -- 00:00:09.805 call. Please refer to the company's investor relations website for access to their earnings 00:00:09.805 -- 00:00:11.688 materials. 00:00:11.688 -- 00:00:15.754 Please be advised that today's conference call is being recorded. 00:00:15.754 -- 00:00:20.241 Currently, all callers have been placed in listen-only mode. 00:00:20.241 -- 00:00:24.287 The call will be opened up for your questions following the conclusion of management's 00:00:24.287 -- 00:00:26.339 prepared remarks. 00:00:26.339 -- 00:00:31.626 If at any time you should need operator assistance, please press star zero. 00:00:31.626 -- 00:00:37.313 If you wish to ask a question following the prepared remarks, please press star one. 00:00:37.313 -- 00:00:42.941 I will now turn the call over to Kathryn Miller, Senior Vice President of Investor Relations. 00:00:42.941 -- 00:00:46.523 Thank you. You may begin. Kathryn 00:00:48.568 -- 00:00:50.210 Miller Thank you and good morning, everyone. 00:00:50.210 -- 00:00:52.715 Welcome to our quarterly earnings conference call. 00:00:52.715 -- 00:00:56.420 In addition to today's press release, we have provided a presentation that covers the 00:00:56.420 -- 00:00:59.064 topics we plan to address during our call. 00:00:59.064 -- 00:01:03.189 The press release, detailed financial schedules, and presentation are available on our 00:01:03.189 -- 00:01:05.810 website, synchronyfinancial.com. 00:01:05.913 -- 00:01:10.439 This information can be accessed by going to the investor relations section of the website. 00:01:10.439 -- 00:01:14.465 Before we get started, I wanted to remind you that our comments today will include fo...