growth in our core portfolio, as well as a combination of both recently launched and soon-to-be-launched programs, including Walmart OnePay, Bob's Discount Furniture, RH, and approximately $725 million of Lowe's commercial co-brand loan receivables, which was added i

Jul 21, 2026 / receipt

Our customers continue to be discerning in their discretionary purchases, particularly around larger ticket categories such as home furnishing, travel and entertainment, and are prioritizing non-discretionary spend like groceries and pharmacy.

Oct 16, 2024 / receipt, needs a key / Brian Wentzel, CFO | earnings call 2024-10-16 | transcript 590c87ed-a061-4409-a58f-07580af78203 | chars 4488-4731 | segment 4

Our customers continue to be discerning in their discretionary purchases, particularly in larger ticket categories such as home furnishings, travel, and entertainment.

Jul 17, 2024 / receipt, needs a key / Brian Doubles, CEO | earnings call 2024-07-17 | transcript 94300cfe-cf7d-4b97-be06-7aedf6db30d0 | chars 4801-4968 | segment 4

Overall, consumers focused on more non-discretionary spend in the quarter and shifted out of certain discretionary categories like home furnishings, travel, and entertainment.

Apr 24, 2024 / receipt, needs a key / Brian Doubles, CEO | earnings call 2024-04-24 | transcript 9160e719-4c48-41f7-bf7a-ba58df33ff81 | chars 5273-5448 | segment 5

In the fourth quarter, we saw some shifting categories as consumers shifted from travel spend to clothing, for instance, and from gasoline and automobiles towards spend at grocery and discount stores. But we've not seen any meaningful changes in the overall composition between discretionary and non-discretionary spend.

Jan 23, 2024 / receipt, needs a key / Brian Wentzel, CFO | earnings call 2024-01-23 | transcript 8de94fe8-732b-4ebb-a1e2-375c2c11f814 | chars 13466-13786 | segment 13

Looking at our out-of-partner spend, our customers are becoming more selective in making larger purchases, including home furnishings and electronics, and spending less on travel.

Oct 24, 2023 / receipt, needs a key / Brian Doubles, CEO | earnings call 2023-10-24 | transcript 0607dff4-9f9a-4606-a0b0-9864cba1fe02 | chars 4797-4976 | segment 4

As we would expect, there have been some modest seasonal shifts among a few of the major categories in favor of more education-related spend and less travel and entertainment spend.

Oct 25, 2022 / receipt, needs a key / Brian Doubles, CEO | earnings call 2022-10-25 | transcript f192bea3-6e19-4064-98d3-6eb886a643cc | chars 9279-9460 | segment 8

They are making choices. right, where people are saying, okay, maybe I'm spending a little bit more for grocery or gasoline and I'm spending a little bit less on T&E.

Oct 25, 2022 / receipt, needs a key / John Hecht, other | earnings call 2022-10-25 | transcript f192bea3-6e19-4064-98d3-6eb886a643cc | chars 43637-43803 | segment 44

Even the little exposure that we had to with travel and entertainment, we saw that pop up with our travel being up 75% on our either co-branded card or the Synchrony MasterCard. Restaurants were up 44%.

Oct 19, 2021 / receipt, needs a key / Betsy Grasick, other | earnings call 2021-10-19 | transcript c5119eb5-ca39-4748-bea4-8ee3d1dd4f1e | chars 28396-28598 | segment 28

As we moved through March and government restrictions increased, travel, entertainment, and many discretionary activities were significantly curtailed, and a high number of non-essential businesses were closed.

Oct 20, 2020 / receipt, needs a key / Brian Wenzel, CFO | earnings call 2020-10-20 | transcript 721f2027-61af-4923-bbba-f00369dcc0d7 | chars 16590-16800 | segment 17

Efficiency ratio 35.8% vs. 34.1% prior year

ir_statement / Sep 17, 2026 / receipt

Increase primarily driven by higher operational losses and technology investments

ir_statement / Sep 17, 2026 / receipt

Other expense increased 7%, or $86 million

ir_statement / Sep 17, 2026 / receipt

Efficiency ratio 35.6% vs. 33.4% prior year

ir_statement / Sep 17, 2026 / receipt

Increase primarily driven by technology investments and higher operational losses

ir_statement / Sep 17, 2026 / receipt

Other expense increased 6%, or $73 million

ir_statement / Sep 17, 2026 / receipt

Efficiency ratio 35.6% vs. 33.4% prior year

ir_statement / Sep 17, 2026 / receipt

Increase primarily driven by technology investments and higher operational losses

ir_statement / Sep 17, 2026 / receipt

Other expense increased 6%, or $73 million

ir_statement / Sep 17, 2026 / receipt

Efficiency ratio 35.6% vs. 33.4% prior year

ir_statement / Sep 16, 2026 / receipt

Increase primarily driven by technology investments and higher operational losses

ir_statement / Sep 16, 2026 / receipt

Other expense increased 6%, or $73 million

ir_statement / Sep 16, 2026 / receipt