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Sankey diagram of Synchrony Financial. A complete text table follows the diagram.
Digital platforms and six large value retailers dominate the purchases financed across Synchrony's cards and installment loans
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Every flow is exact reported net purchase volume, defined as charges on Synchrony credit products less returns. The editorial selection maps the partner ecosystems where Synchrony finances consumer commerce; no allocation was modeled.
Labels and narrative explain the filing. A category marked “arithmetic bridge” or “residual” is calculated from reported totals, rather than a separately reported line.
| Category | Stage | Value | Notes |
|---|---|---|---|
| Purchases financed by Synchrony | 1 | $43.0B | Across 68.8 million average active accounts |
| Diversified & Value retail | 2 | $14.9B | Sam's Club, TJX, JCPenney and three others |
| Digital platforms | 2 | $13.5B | Amazon, PayPal, Venmo and digital-first partners |
| Home & Auto | 2 | $9.4B | Home improvement, furnishings and car care |
| Health & Wellness | 2 | $3.9B | CareCredit, healthcare and pet care |
| Lifestyle | 2 | $1.2B | Outdoor, apparel, jewelry and music |
| From | To | Value |
|---|---|---|
| Purchases financed by Synchrony | Diversified & Value retail | $14.9B |
| Purchases financed by Synchrony | Digital platforms | $13.5B |
| Purchases financed by Synchrony | Home & Auto | $9.4B |
| Purchases financed by Synchrony | Health & Wellness | $3.9B |
| Purchases financed by Synchrony | Lifestyle | $1.2B |