Catherine Miller
Senior Vice President of Investor Relations
Replay available
Synchrony Financial (NYSE: SYF) Q3 2025 earnings conference call, held 2025-10-15. Replay captured from the company's public earnings webcast.

Senior Vice President of Investor Relations
President and Chief Executive Officer
Executive Vice President and Chief Financial Officer
Analyst at Barclays
Analyst at Goldman Sachs
Analyst at Evercore
Analyst at Bank of America
Analyst at Autonomous Research
Watch the replay and follow the connected company analysis, news, and investor updates for Synchrony Financial.
WEBVTT 00:00:00.031 -- 00:00:05.020 Good morning, everyone. Welcome to the Synchrony Financial third quarter 2025 earnings 00:00:05.020 -- 00:00:09.930 conference call. Please refer to the company's investor relations website for access 00:00:09.930 -- 00:00:14.338 to their earnings materials. Please be advised that today's conference call is being 00:00:14.338 -- 00:00:18.627 recorded. Currently, all callers have been placed in a listen-only mode. 00:00:18.627 -- 00:00:22.632 The call will be opened up for your questions following the conclusion of management's 00:00:22.632 -- 00:00:27.818 prepared remarks. If at any time you should need operator assistance, please press star 00:00:27.818 -- 00:00:33.065 zero. If you wish to ask a question following the prepared remarks, please press star 00:00:33.065 -- 00:00:37.891 one. I will now turn the call over to Catherine Miller, Senior Vice President of Investor 00:00:37.891 -- 00:00:41.413 Relations. Thank you. You may begin. 00:00:41.756 -- 00:00:45.745 Thank you, and good morning, everyone. Welcome to our quarterly earnings conference call. 00:00:45.745 -- 00:00:49.450 In addition to today's press release, we have provided a presentation that covers the 00:00:49.450 -- 00:00:52.114 topics we plan to address during our call. 00:00:52.114 -- 00:00:56.220 The press release, detailed financial schedules, and presentation are available on our 00:00:56.220 -- 00:00:58.861 website, synchronyfinancial.com. 00:00:58.963 -- 00:01:03.490 This information can be accessed by going to the investor relations section of the website. 00:01:03.490 -- 00:01:07.495 Before we get started, I wanted to remind you that our comments today will include forward-looking 00:01:07.495 -- 00:01:09.495 statements. 00:01:12.290 -- 00:01:16.856 material...