Synchrony Financial

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

                    Revenue
                    FY2025
                
$520.0M
                    3y CAGR +11.0%
                    
                    P39
                    
                    n/a
                    
                    Net income
                    FY2025
                
$3.6B
                    Net margin +683.1%
                    
                    P98
                    
                    n/a
                    
                    Total assets
                    FY2025
                
$119.1B
                    ROA +3.0%
                    
                    P53
                    
                    n/a
                    
                    Operating cash flow
                    FY2025
                
$9.9B
                    
                    n/a

14 yrs · FY2012–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

18 accounts · 1 year

Total assets $119.1B

Total liabilities $102.3B

Shareholders equity $16.8B

Account	2025	Trend
Assets
Cash and Cash Equivalents	12.6%
Other Current Assets	4.9%
Goodwill	1.1%
Intangible Assets	1.1%
Other Noncurrent Assets	4.9%
Total Assets	100.0%
Liabilities
Current Portion of Long Term Debt	12.7%
Total Current Liabilities	85.9%
Long Term Debt	12.7%
Total Liabilities	85.9%
Equity
Preferred Stock	1.0%
Common Stock	0.0%
Additional Paid In Capital	8.3%
Retained Earnings	20.7%
Treasury Stock	15.9%
Accumulated Other Comprehensive Income	-0.0%
Total Stockholders Equity	14.1%
Total Liabilitiesand Equity	100.0%

Income Statement

Revenue, expense, and profitability

11 accounts · 1 year

Revenue $520.0M

Operating income $3.6B

Net income $3.6B

Account	2025	Trend
IncomeStatement
Revenues Total Revenue	0.4%
Expenses Depreciation and Amortization	0.4%
Other Income Expense Operating Income	3.0%
Other Income Expense Income Before Tax	3.9%
Income Tax Income Tax Expense	0.9%
net Income net Income	3.0%
net Income Comprehensive Income	3.0%
Earnings Per Share Basic Eps	0.0%
Earnings Per Share Diluted Eps	0.0%
Earnings Per Share Weighted Average Shares Basic	0.3%
Earnings Per Share Weighted Average Shares Diluted	0.3%

Cash Flow Statement

Operating, investing, and financing flows

19 accounts · 1 year

Operating cash flow $9.9B

Investing cash flow $-4.9B

Financing cash flow $-4.7B

Account	2025	Trend
CashFlow
Operating Activities net Income	3.0%
Operating Activities Depreciation and Amortization	0.4%
Operating Activities Deferred Income Taxes	0.2%
Operating Activities Changes In Operating Assets and Liabilities	-0.5%
Operating Activities net Cash From Operating Activities	8.3%
Investing Activities Business Acquisitions	0.1%
Investing Activities Purchases of Investments	1.0%
Investing Activities Proceeds From Sale of Investments	1.6%
Investing Activities Other Investing Activities	0.7%
Investing Activities net Cash From Investing Activities	-4.1%
Financing Activities Proceeds From Debt	1.5%
Financing Activities Repayment of Debt	2.2%
Financing Activities Repurchase of Common Stock	2.5%
Financing Activities Dividends Paid	0.4%
Financing Activities Other Financing Activities	-0.1%
Financing Activities net Cash From Financing Activities	-4.0%
Cash Reconciliation net Change In Cash	0.2%
Cash Reconciliation Cash At Beginning of Period	12.6%
Cash Reconciliation Cash At End of Period	12.6%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 1 year

Ratio	2025
Profitability
Gross margin	—
Operating margin	+683.1%
Net margin	+683.1%
FCF margin	—
Growth
Revenue CAGR (3y)	+11.0%
Returns
ROE	+21.2%
ROA	+3.0%
ROIC	+8.5%
Liquidity
Current ratio	—
Quick ratio	—
Leverage
D/E	6.10x
Interest coverage	—
Efficiency
Asset turnover	0.00x
Cash conversion cycle	—

Valuation

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FY2025 fundamentals · no price

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Synchrony Financial

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