SYF

Synchrony Financial

A consumer finance company that issues private label credit cards for major retailers and healthcare providers, offering financing through hundreds of thousands of locations under its Retail Card, Payment Solutions, and CareCredit platforms. It is the largest U.S. private label credit card issuer, with programs for brands like Gap, JCPenney, Lowe's, Sam's Club, and Walmart, and it also runs a direct banking platform that takes deposits to fund its lending.