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In February 2026, Weave and Planet DDS each announced new integrations of Synchrony Financial’s CareCredit solution into their practice management platforms, while Synchrony also completed a US$750 million fixed-to-floating senior unsecured notes offering due in 2032.
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Together, these healthcare financing integrations and fresh bond funding highlight Synchrony’s push to deepen its role in medical and dental payments while strengthening its funding base.
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Next, we’ll examine how embedding CareCredit into more healthcare software platforms could influence Synchrony Financial’s existing investment narrative.
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To own Synchrony Financial, you need to believe its consumer finance model can adapt as spending patterns shift and digital payments expand. Right now, the key catalyst is execution in embedded finance and healthcare, while a major risk remains pressure on loan growth and margins from tighter credit and rising competition. The new CareCredit integrations and US$750,000,000 bond issue do not fundamentally change these near term drivers, but they do reinforce Synchrony’s focus on healthcare and funding flexibility.
The expanded partnership with Planet DDS looks especially relevant here, because it embeds CareCredit directly into dental and orthodontic workflows across thousands of practices. That aligns with Synchrony’s push into health and wellness financing and supports its broader embedded finance ambitions. How effectively this integration translates into higher patient financing volume and stickier provider relationships could matter for how investors view Synchrony’s diversification beyond traditional retail cards.
But while these integrations look promising, investors should also be aware that…
Read the full narrative on Synchrony Financial (it’s free!)
Synchrony Financial’s narrative projects $16.5 billion in revenue and $3.3 billion in earnings by 2028.
Uncover how Synchrony Financial’s forecasts yield a $88.22 fair value, a 25% upside to its current price.
Some of the lowest ranked analysts paint a much tougher picture, assuming earnings flat at about US$2.9 billion even if revenue climbs to roughly US$15.9 billion, so it is worth weighing this more pessimistic view against the potential impact of Synchrony’s new healthcare integrations.
Explore 8 other fair value estimates on Synchrony Financial – why the stock might be worth over 2x more than the current price!