Synchrony Financial

Financials Consumer Finance Stamford, Connecticut Last filing Feb 6, 2026 · FY2025

Balance Sheet

Assets, liabilities, and equity

18 accounts · 5 years

Account	2025	2024	2023	2022	2021
Statement
BS Assets Cash	$15.0B	$14.7B	$14.3B	$10.3B	$8.3B
BS Assets Other Current Assets	$5.8B	$5.8B	$4.9B	$4.1B	$3.4B
BS Assets Goodwill	$1.4B	$1.3B	$1.0B	$1.1B	$1.1B
BS Assets Intangible Assets	$1.3B	$854.0M	$815.0M	$1.3B	$1.2B
BS Assets Other Noncurrent	$5.8B	$5.8B	$4.9B	$4.1B	$3.4B
BS Assets Total	$119.1B	$119.5B	$117.5B	$104.6B	$95.7B
BS Liab Current Debt	$15.2B	$15.5B	$16.0B	$14.2B	$14.5B
BS Liab Total Current	$102.3B	$102.9B	$103.6B	$91.7B	$82.1B
BS Liab Long Term Debt	$15.2B	$15.5B	$16.0B	$14.2B	$14.5B
BS Liab Total	$102.3B	$102.9B	$103.6B	$91.7B	$82.1B
BS Equity Preferred Stock	$1.2B	$1.2B	$734.0M	$734.0M	$734.0M
BS Equity Common Stock	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M
BS Equity APIC	$9.9B	$9.9B	$9.8B	$9.7B	$9.7B
BS Equity Retained Earnings	$24.6B	$21.6B	$18.7B	$16.7B	$14.2B
BS Equity Treasury Stock	$18.9B	$16.1B	$15.2B	$14.2B	$10.9B
BS Equity AOCI	$-50.0M	$-44.0M	$-38.0M	$-38.0M	$-26.0M
BS Equity Total	$16.8B	$16.6B	$13.9B	$12.9B	$13.7B
BS Equity Total Liab and Equity	$119.1B	$119.5B	$117.5B	$104.6B	$95.7B

Income Statement

Revenue, expense, and profitability

11 accounts · 5 years

Revenue $520.0M

Operating income $3.6B

Net income $3.6B

Account	2025	2024	2023	2022	2021
Statement
IS Revenue Total	$520.0M	$1.5B	$289.0M	$380.0M	$481.0M
IS Expense DA	$514.0M	$481.0M	$458.0M	$419.0M	$390.0M
IS Operating Income	$3.6B	$3.5B	$2.2B	$3.0B	$4.2B
IS Pre Tax Income	$4.6B	$4.6B	$2.9B	$4.0B	$5.5B
IS Tax Expense	$1.1B	$1.1B	$666.0M	$946.0M	$1.3B
IS net Income	$3.6B	$3.5B	$2.2B	$3.0B	$4.2B
IS Comprehensive Income	$3.6B	$3.5B	$2.3B	$3.0B	$4.2B
IS EPS Basic	$9	$9	$5	$6	$7
IS EPS Diluted	$9	$9	$5	$6	$7
IS Shares Basic	$369.9M	$396.5M	$421.2M	$480.4M	$564.6M
IS Shares Diluted	$373.9M	$400.6M	$423.5M	$483.4M	$569.3M

Cash Flow Statement

Operating, investing, and financing flows

19 accounts · 5 years

Account	2025	2024	2023	2022	2021
Statement
CF Ops net Income	$3.6B	$3.5B	$2.2B	$3.0B	$4.2B
CF Ops DA	$514.0M	$481.0M	$458.0M	$419.0M	$390.0M
CF Ops Deferred Tax	$184.0M	$-98.0M	$-458.0M	$-421.0M	$219.0M
CF Ops Working Capital	$-537.0M	$-507.0M	$-735.0M	$-574.0M	$-522.0M
CF Ops net Cash	$9.9B	$9.8B	$8.6B	$6.7B	$7.1B
CF Inv Acquisitions	$161.0M	$1.9B	$0	$0	—
CF Inv Purchase Investments	$1.2B	$2.8B	$3.6B	$3.9B	$3.0B
CF Inv Proceeds Investments	$2.0B	$3.6B	$5.0B	$4.0B	$5.1B
CF Inv Other	$852.0M	$688.0M	$722.0M	$549.0M	$549.0M
CF Inv net Cash	$-4.9B	$-8.9B	$-14.2B	$-10.2B	$-4.8B
CF Fin Debt Issuance	$1.8B	$745.0M	$740.0M	$2.2B	$744.0M
CF Fin Debt Repayment	$2.6B	$1.9B	$0	$1.5B	$1.5B
CF Fin Share Repurchases	$2.9B	$1.0B	$1.1B	$3.3B	$2.9B
CF Fin Dividends	$427.0M	$398.0M	$406.0M	$434.0M	$500.0M
CF Fin Other	$-63.0M	$36.0M	$-22.0M	$-44.0M	$29.0M
CF Fin net Cash	$-4.7B	$-611.0M	$9.6B	$5.3B	$-5.2B
CF net Change	$262.0M	$334.0M	$4.0B	$1.7B	$-2.9B
CF Cash Begin	$15.0B	$14.8B	$14.4B	$10.4B	$8.7B
CF Cash End	$15.0B	$14.8B	$14.4B	$10.4B	$8.7B

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Assets, liabilities, and equity

Revenue, expense, and profitability

Operating, investing, and financing flows

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