Synchrony Financial stands out by leveraging its strong distribution channel to offer a broad range of products, including private-label credit cards and dual Cards for use on MasterCard and Visa networks. It has the potential to issue dual cards for use on the American Express and Discover networks, contributing to a more profitable and resilient business model. Further, Synchrony Financial has fueled growth through acquisitions and partnerships that expand digital capabilities and diversify offerings. Notably, it acquired Ally Lending and Allegro Credit, boosting point-of-sale, audiology and dental financing. Collaborations with PayPal, Venmo, LG, Mastercard and retailers like Ashley and American Eagle modernized payments and broadened e-commerce reach, while a Walmart partnership introduced an embedded credit card program for U.S. shoppers. The company's revenues witnessed a five-year CAGR of 2.6% (ended 2024).