Synchrony’s Health Expansion Fuels 17.8% YTD Surge Amid $180M Trading Volume and 0.31% Dip

Synchrony Financial (SYF) fell 0.31% on August 29, 2025, with a trading volume of $0.18 billion. The stock has gained 17.8% year to date, outperforming its industry. Recent analysis highlights Synchrony’s strategic expansion into the Health & Wellness sector via its CareCredit brand, which now accounts for 15% of the company’s loan receivables. The initiative has driven steady growth in active accounts and loan fees, with interest and fees rising 13.6% in 2024 and 3.2% in the first half of 2025. Analysts note that the aging U.S. population and rising healthcare spending, projected to reach $8.6 trillion by 2033, position the division as a long-term growth driver.

Synchrony’s Health & Wellness network has expanded to 285,000 locations, with no single partner contributing more than 0.6% of total interest and fees, underscoring diversification. Repeat customer activity further strengthens the platform’s resilience. However, risks such as credit management and regulatory scrutiny remain critical for sustained success. The company’s forward price-to-earnings ratio of 8.70, significantly below the industry average, reflects its value-oriented appeal. Zacks Investment Research forecasts 2025 earnings of $8.39 per share, a 27.3% increase year-over-year.

Backtesting of Synchrony’s stock performance indicates a 0.31% decline on August 29, 2025, with a trading volume of $0.18 billion. The stock closed at $76.34, unchanged in after-hours trading. Historical data shows the stock has gained 17.8% year to date, outperforming its sector. Key metrics include a forward P/E ratio of 8.70 and a Zacks Rank of #3 (Hold). Analysts emphasize the Health & Wellness segment’s potential to drive long-term growth amid favorable demographic and spending trends.