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

Running CAGR since the earliest displayed year.

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	—
Other Current Assets	—
Goodwill	—
Intangible Assets	—
Other Noncurrent Assets	—
Total Assets	—
Liabilities
Current Portion of Long Term Debt	—
Total Current Liabilities	—
Long Term Debt	—
Total Liabilities	—
Equity
Preferred Stock	—
Common Stock	—
Additional Paid In Capital	—
Retained Earnings	—
Treasury Stock	—
Accumulated Other Comprehensive Income	—
Total Stockholders Equity	—
Total Liabilitiesand Equity	—

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	—
Expenses Depreciation and Amortization	—
Other Income Expense Operating Income	—
Other Income Expense Income Before Tax	—
Income Tax Income Tax Expense	—
net Income net Income	—
net Income Comprehensive Income	—
Earnings Per Share Basic Eps	—
Earnings Per Share Diluted Eps	—
Earnings Per Share Weighted Average Shares Basic	—
Earnings Per Share Weighted Average Shares Diluted	—

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	—
Operating Activities Depreciation and Amortization	—
Operating Activities Deferred Income Taxes	—
Operating Activities Changes In Operating Assets and Liabilities	—
Operating Activities net Cash From Operating Activities	—
Investing Activities Business Acquisitions	—
Investing Activities Purchases of Investments	—
Investing Activities Proceeds From Sale of Investments	—
Investing Activities Other Investing Activities	—
Investing Activities net Cash From Investing Activities	—
Financing Activities Proceeds From Debt	—
Financing Activities Repayment of Debt	—
Financing Activities Repurchase of Common Stock	—
Financing Activities Dividends Paid	—
Financing Activities Other Financing Activities	—
Financing Activities net Cash From Financing Activities	—
Cash Reconciliation net Change In Cash	—
Cash Reconciliation Cash At Beginning of Period	—
Cash Reconciliation Cash At End of Period	—

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

Price against fundamentals

FY2025 fundamentals · no price

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Synchrony Financial

Assets, liabilities, and equity

Revenue, expense, and profitability

Operating, investing, and financing flows

Margins, returns, liquidity, leverage, efficiency

Price against fundamentals

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Assets, liabilities, and equity

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