Synchrony Financial

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

                    Revenue
                    FY2025
                
$22.6B
                    3y CAGR +9.6%
                    
                    P31
                    
                    -0.2%
                    
                    Net income
                    FY2025
                
$3.6B
                    Net margin +15.7%
                    
                    P12
                    
                    +1.5%
                    
                    Total assets
                    FY2025
                
$119.1B
                    ROA +3.0%
                    
                    P53
                    
                    -0.3%
                    
                    Operating cash flow
                    FY2025
                
$9.9B
                    
                    +0.0%

14 yrs · FY2012–FY2025 8 filed · 0 derived · 1 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 · 5 years

Total assets $119.1B

Total liabilities $102.3B

Shareholders equity $16.8B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	12.6%	12.3%	12.1%	9.8%	8.7%
Investment Securities	2.0%	2.6%	3.2%	4.7%	5.5%
Loans net	87.2%	87.7%	87.7%	88.4%	88.9%
Goodwill	1.1%	1.1%	0.9%	1.1%	1.2%
Other Assets	-2.9%	-3.6%	-3.9%	-4.0%	-4.3%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Deposits	68.1%	68.7%	69.1%	68.6%	65.0%
Long Term Debt	12.7%	12.9%	13.6%	13.6%	15.2%
Other Liabilities	5.0%	4.5%	5.5%	5.5%	5.6%
Total Liabilities	85.9%	86.1%	88.2%	87.7%	85.7%
Equity
Total Stockholders Equity	14.1%	13.9%	11.8%	12.3%	14.3%
Common Stock	0.0%	0.0%	0.0%	0.0%	0.0%
Retained Earnings	20.7%	18.1%	15.9%	16.0%	14.9%
Preferred Stock	1.0%	1.0%	0.6%	0.7%	0.8%
Additional Paid In Capital	8.3%	8.2%	8.3%	9.3%	10.1%
Treasury Stock	15.9%	13.5%	12.9%	13.6%	11.4%
Other Equity	-0.0%	-0.0%	-0.1%	-0.1%	-0.1%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

10 accounts · 5 years

Revenue $22.6B

Operating income Not reported

Net income $3.6B

Account	2025	2024	2023	2022	2021
IncomeStatement
Interest Income Total Interest Income	19.0%	19.0%	17.6%	16.4%	15.9%
Interest Expense Interest Expense	3.5%	3.9%	3.2%	1.5%	1.1%
net Interest Income net Interest Income	15.5%	15.1%	14.5%	14.9%	14.9%
Noninterest Income Total Noninterest Income	0.4%	1.3%	0.2%	0.4%	0.5%
Expenses Noninterest Expense	4.3%	4.1%	4.1%	4.1%	4.1%
Income Tax Income Tax Expense	0.9%	0.9%	0.6%	0.9%	1.3%
net Income Other Items Below Tax	-7.8%	-8.5%	-8.2%	-7.4%	-5.5%
net Income net Income	3.0%	2.9%	1.9%	2.9%	4.4%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%

Cash Flow Statement

Operating, investing, and financing flows

11 accounts · 5 years

Operating cash flow $9.9B

Investing cash flow $-4.9B

Financing cash flow $-4.7B

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Cash From Operating Activities	8.3%	8.2%	7.3%	6.4%	7.4%
Operating Activities net Income	3.0%	2.9%	1.9%	2.9%	4.4%
Operating Activities Depreciation and Amortization	0.4%	0.4%	0.4%	0.4%	0.4%
Operating Activities Other Non Cash Items	4.9%	4.9%	5.0%	3.1%	2.6%
Investing Activities net Cash From Investing Activities	-4.1%	-7.5%	-12.1%	-9.8%	-5.0%
Investing Activities Other Investing Activities	-4.1%	-7.5%	-12.1%	-9.8%	-5.0%
Financing Activities net Cash From Financing Activities	-4.0%	-0.5%	8.2%	5.1%	-5.4%
Financing Activities Dividends Paid	-0.4%	-0.4%	-0.4%	-0.5%	-0.6%
Financing Activities Repurchase of Common Stock	-2.5%	-0.8%	-0.9%	-3.2%	-3.0%
Financing Activities Other Financing Activities	-1.1%	0.7%	9.5%	8.7%	-1.9%
Cash Reconciliation net Change In Cash	0.2%	0.3%	3.4%	1.7%	-3.0%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	—	—	—	—	—
Net margin	+15.7%	+15.5%	+10.8%	+17.6%	+27.6%
FCF margin	—	—	—	—	—
Growth
Revenue CAGR (3y)	+9.6%	+14.0%	+8.8%	-3.5%	-5.3%
Returns
ROE	+21.2%	+21.1%	+16.1%	+23.4%	+30.9%
ROA	+3.0%	+2.9%	+1.9%	+2.9%	+4.4%
ROIC	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	6.10x	6.21x	7.45x	7.12x	6.01x
Interest coverage	—	—	—	—	—
Efficiency
Asset turnover	0.19x	0.19x	0.18x	0.16x	0.16x
Cash conversion cycle	—	—	—	—	—

Valuation

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FY2025 fundamentals · no price

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Synchrony Financial

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