<div id="readability-page-1"><div><ul> <li>Earlier this week, the American Med Spa Association announced it had extended and expanded its partnership with Synchrony’s CareCredit, adding preferred merchant rates for its more than 4,000 members on aesthetic procedure financing starting January 1, 2026.</li> <li>This deepens Synchrony’s push into health and wellness payments, using integrated CareCredit solutions to support both patient financing and streamlined provider operations across over 24,000 cosmetic and dermatology locations.</li> <li>We’ll now examine how CareCredit’s expanded preferred rates for AmSpa members could influence Synchrony’s investment narrative and long-term growth profile.</li> </ul><p>Uncover the next big thing with financially sound penny stocks that balance risk and reward.</p><h2>Synchrony Financial Investment Narrative Recap</h2><p>To own Synchrony, you need to believe its consumer credit and partner-centric model can stay resilient even as earnings are forecast to decline and bad loans remain elevated. The AmSpa–CareCredit expansion reinforces the health and wellness vertical but, by itself, does not appear to change the key near term catalyst of loan growth stabilizing or the major risk that tighter credit and weaker purchase volumes cap receivables and revenue.</p> <p>Among recent developments, the reaffirmed 2025 revenue outlook of about US$15.2 billion to US$15.7 billion stands out next to this AmSpa news, because it anchors expectations for near term performance while Synchrony keeps investing in programs like CareCredit. Together, these moves speak to a company trying to balance growth partnerships with disciplined financial targets, even as earnings are projected to trend lower over the next few years.</p> <p>Yet investors should pay close attention to how rising competition from fintechs and Buy Now, Pay Later offerings could...</p> <p>Read the full narrative on Synchrony Financial (it's free!)</p><p>Synchrony Financial's narrative projects $16.5 billion revenue and $3.3 billion earnings by 2028. This requires 21.7% yearly revenue growth and a modest $0.1 billion earnings increase from $3.2 billion today.</p><p>Uncover how Synchrony Financial's forecasts yield a $85.57 fair value, in line with its current price.</p><h2>Exploring Other Perspectives</h2><figure><img height="476" src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/264992b3-9062-47a2-8436-68f6e15af4de/chart/quote-price?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="746" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/264992b3-9062-47a2-8436-68f6e15af4de/chart/quote-price"/><figcaption>SYF 1-Year Stock Price Chart</figcaption></figure> <p>Six Simply Wall St Community fair value estimates for Synchrony span roughly US$57.52 to US$148.20, showing how far apart individual views can sit. Against this spread, concerns about earnings declining over the next three years may matter more for you than for others, so it can be useful to compare several perspectives before deciding how this stock fits into your portfolio.</p><p>Explore 6 other fair value estimates on Synchrony Financial - why the stock might be worth 32% less than the current price!</p><h2>Build Your Own Synchrony Financial Narrative</h2><p>Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.</p><ul><li>A great starting point for your Synchrony Financial research is our analysis highlighting 4 key rewards and 3 important warning signs that could impact your investment decision.</li><li>Our free Synchrony Financial research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Synchrony Financial's overall financial health at a glance.</li></ul><h2>Ready To Venture Into Other Investment Styles?</h2><p>Early movers are already taking notice. See the stocks they're targeting before they've flown the coop:</p><ul><li>Find companies with promising cash flow potential yet trading below their fair value.</li><li>We've found 12 US stocks that are forecast to pay a dividend yield of over 6% next year. 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<p>Synchrony Financial's CareCredit has expanded its partnership with the American Med Spa Association, offering preferred merchant rates for aesthetic procedure financing to over 4,000 members starting January 1, 2026. This move strengthens Synchrony's presence in health and wellness payments, though it doesn't alter the immediate financial outlook, which includes a reaffirmed 2025 revenue forecast of $15.2-$15.7 billion. The expansion is part of Synchrony's strategy to balance growth partnerships with financial targets amid projected earnings declines and rising competition from fintechs and Buy Now, Pay Later services.</p>

Will CareCredit’s Expanded AmSpa Partnership Redefine Synchrony Financial’s (SYF) Edge in Health‑Care Financing?