美股..金融服務..Synchrony Financial 同步金融 (美股代號SYF) 巴菲特NOV. 2017有買
公司網站：https://www.synchronyfinancial.com
文章來源：https://en.wikipedia.org/wiki/Synchrony_Financial
圖片來源：http://investors.synchronyfinancial.com/~/media/Files/S/Synchrony-Financial-IR-V3/documents/syf-3q17-investor-presentation.pdf
節錄：
Synchrony is the largest provider of private label credit cardsin the U.S. （全美最大private label credit cards供應商） In 2014, the company comprised 42 percent of the private label credit card market.（PLCC市佔率為42%）[10] The company provides private label credit cards for such brands as Amazon, Cathay Pacific, CheapOAir, OneTravel,[11]Walmart,[12]Lowe’s,[12]Guitar Center,[13]Gap,[14]BP,[15]Ashley HomeStores,[16]Discount Tire[16], J.C. Penney and P. C. Richard & Son.[16] The CareCredit credit card, also offered through Synchrony Bank, is for healthcare procedures or services such as dental, veterinary, cosmetic, vision and audiology.（SYF亦提供醫療信用卡）
SYF has good partnership with retailers and E-retailers.
Our five largest programs are with Retail Card partners: Gap, JCPenney, Lowe’s, Sam’s Club and Walmart. These programs accounted in aggregate for 53% of our total interest and fees on loans for the year ended December 31, 2017, and 49% of loan receivables at December 31, 2017. Our programs with JCPenney, Lowe's and Walmart each accounted for more than 10% of our total interest and fees on loans for the year ended December 31, 2017. Sam’s Club is a subsidiary of Walmart that is a separate contracting entity with its own program agreement with us, which we report separately from the Walmart program. For purposes of the information provided in this paragraph with respect to Walmart, the interest and fees on loans from the Sam's Club program have not been included.
