Synchrony Financial announced a renewal of its long‑standing financing partnership with Polaris Inc. on February 25, 2026. The extension keeps Polaris buyers connected to customized promotional financing and loan options through Polaris’ extensive U.S. dealer network, covering the RZR, RANGER, and XPEDITION models as well as parts, accessories, gear, and service purchases.
The renewal gives Polaris dealers access to Synchrony’s PRISM underwriting engine, which speeds and improves the accuracy of credit decisions. By maintaining this embedded finance relationship, Synchrony preserves its share of the powersports financing market and reinforces its multi‑product offering that spans revolving credit, installment loans, and deposit products.
Synchrony’s Q4 2025 results, released on January 27, 2026, showed earnings per share of $2.18—an $0.24 beat over the $2.02 consensus—while revenue of $4.76 billion fell short of the $4.82 billion estimate. The revenue miss reflects broader market softness, but the EPS beat was driven by disciplined cost management and a favorable mix of high‑margin products. The partnership renewal is a material customer win that helps offset the revenue shortfall and supports Synchrony’s revenue base moving forward.
Polaris reported Q4 2025 sales of $1.92 billion, up 9% from the $1.81 billion of the prior quarter, and an adjusted diluted EPS of $0.08 versus the $0.05 estimate. The company posted a net loss of $465.5 million on $7.152 billion of full‑year sales, a flat year‑over‑year result. Despite the loss, Polaris’ stock has surged 43% over the past year, and analysts forecast a return to profitability this year. The renewal strengthens Polaris’ dealer network financing options, supporting sales momentum in a resilient but competitive market.
The partnership renewal fits into Synchrony’s broader embedded finance strategy, which also includes CareCredit in healthcare software workflows and collaborations with major retailers. By extending a nearly 20‑year relationship, Synchrony signals confidence in the powersports sector and reinforces its competitive positioning against other financing providers such as Sheffield Financial and Octane.
"At Synchrony, our goal is to make that adventure attainable with responsible financing. Together with Polaris, we’re advancing innovative solutions that empower dealers and keep pace with the evolving powersports market," said Darrell Owens, EVP and CEO of Lifestyle at Synchrony. "We are pleased to extend our nearly 20‑year relationship with Synchrony, reinforcing our shared commitment to delivering innovative financing solutions for Polaris customers and dealers," added Bob Mack, CFO and EVP of Finance and Corporate Development at Polaris. "Synchrony continues to enhance the speed of credit decisions and provide digital tools for seamless financing experiences, empowering both Polaris and our dealer network to better serve customers and drive growth."
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