Synchrony Financial (NYSE:SYF) Q3 2023 Results Conference Call October 24, 2023 9:00 AM ET

Company Participants

Kathryn Miller - SVP of IR

Brian Doubles - President and CEO

Brian Wenzel - EVP and CFO

Conference Call Participants

Ryan Nash - Goldman Sachs

Erika Najarian - UBS

Sanjay Sakhrani - KBW

John Hecht - Jefferies

Kevin Barker - Piper Sandler

Jeff Allison - Morgan Stanley

John Pancari - Evercore ISI

Mihir Bhatia - Bank of America

Don Fandetti - Wells Fargo

Rick Shane - JP Morgan

Saul Martinez - HSBC

Arren Cyganovich - Citi

Operator

Good morning, and welcome to the Synchrony Financial Third Quarter 2023 Earnings Conference Call. Please refer to the Company's Investor Relations website for access to their earnings materials. Please be advised that today's conference call is being recorded. Currently, all callers have been placed in a listen-only mode. The call will be opened for your questions following the conclusion of the management's prepared remarks. [Operator Instructions]

I will now turn the call over to Kathryn Miller, Senior Vice President of Investor Relations. Thank you. You may begin.

Kathryn Miller

Thank you, and good morning, everyone. Welcome to our quarterly earnings conference call. In addition to today's press release, we have provided a presentation that covers the topics we plan to address during our call. The press release, detailed financial schedules and presentation are available on our website, synchronyfinancial.com. This information can be accessed by going to the Investor Relations section of the website.

Before we get started, I wanted to remind you that our comments today will include forward-looking statements. These statements are subject to risks and uncertainty and actual results could differ materially. We list the factors that might cause actual results to differ materially in our SEC filings, which are available on our website. During the call, we will refer to non-GAAP financial measures in discussing the Company's performance. You can find a reconciliation of these measures to GAAP financial measures in our materials for today's call.

Finally, Synchrony Financial is not responsible for and does not edit or guarantee the accuracy of our earnings teleconference transcripts provided by third parties. The only authorized webcast are located on our website. On the call this morning are Brian Doubles, Synchrony's President and Chief Executive Officer; and Brian Wenzel, Executive Vice President and Chief Financial Officer.

I will now turn the call over to Brian Doubles.