Synchrony Financial's stock plummeted 5.03% during Tuesday's pre-market session, following the release of its fourth-quarter financial results.

The credit card issuer reported a lower quarterly profit of $751 million, compared to $774 million a year earlier, impacted by a $67 million restructuring charge and a 10% jump in other expenses, including higher employee costs and technology investments. Net revenue for the quarter declined to $3.79 billion, missing analyst estimates and falling slightly from the $3.80 billion reported in the prior-year period.

While purchase volume increased 3% overall, growth was uneven, with a noted slowdown in the company's home-and-auto lending operations. The results come amid broader sector concerns regarding potential regulatory caps on credit card interest rates, which company executives have warned could negatively impact the economy and consumer credit access.