Synchrony Financial (NYSE:SYF)s an issuer of private label credit cards in the US and was spun off from General Electric in August 2014. It has a market cap of $24.6 billion, a PE of 11.66 and a dividend yield of 1.94 per cent. Guest Mduduzi Luthuli, Director, Wealth & Corporate at Luthuli Capital and resident expert Paul Theron from Vestact decide whether Synchrony Financial hot or not.