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

    Simply Wall St·12/21/2025 14:14:26
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    • 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.
    • 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.
    • We’ll now examine how CareCredit’s expanded preferred rates for AmSpa members could influence Synchrony’s investment narrative and long-term growth profile.

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    Synchrony Financial Investment Narrative Recap

    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.

    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.

    Yet investors should pay close attention to how rising competition from fintechs and Buy Now, Pay Later offerings could...

    Read the full narrative on Synchrony Financial (it's free!)

    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.

    Uncover how Synchrony Financial's forecasts yield a $85.57 fair value, in line with its current price.

    Exploring Other Perspectives

    SYF 1-Year Stock Price Chart
    SYF 1-Year Stock Price Chart

    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.

    Explore 6 other fair value estimates on Synchrony Financial - why the stock might be worth 32% less than the current price!

    Build Your Own Synchrony Financial Narrative

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    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.