Synchrony Financial

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

                    Revenue
                    FY2025
                
$520.0M
                    3y CAGR +11.0%
                    
                    P39
                    
                    -65.8%
                    
                    Net income
                    FY2025
                
$3.6B
                    Net margin +683.1%
                    
                    P98
                    
                    +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 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

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	$15.0B 1.8%	$14.7B 3.2%	$14.3B 38.5%	$10.3B 23.5%	$8.3B
Other Current Assets	$5.8B 0.6%	$5.8B 17.0%	$4.9B 21.2%	$4.1B 17.8%	$3.4B
Goodwill	$1.4B 7.0%	$1.3B 25.1%	$1.0B -7.9%	$1.1B 0.0%	$1.1B
Intangible Assets	$1.3B 47.0%	$854.0M 4.8%	$815.0M -36.7%	$1.3B 10.2%	$1.2B
Other Noncurrent Assets	$5.8B 0.6%	$5.8B 17.0%	$4.9B 21.2%	$4.1B 17.8%	$3.4B
Total Assets	$119.1B -0.3%	$119.5B 1.7%	$117.5B 12.4%	$104.6B 9.2%	$95.7B
Liabilities
Current Portion of Long Term Debt	$15.2B -1.8%	$15.5B -3.3%	$16.0B 12.6%	$14.2B -2.2%	$14.5B
Total Current Liabilities	$102.3B -0.5%	$102.9B -0.7%	$103.6B 13.0%	$91.7B 11.7%	$82.1B
Long Term Debt	$15.2B -1.8%	$15.5B -3.3%	$16.0B 12.6%	$14.2B -2.2%	$14.5B
Total Liabilities	$102.3B -0.5%	$102.9B -0.7%	$103.6B 13.0%	$91.7B 11.7%	$82.1B
Equity
Preferred Stock	$1.2B 0.0%	$1.2B 66.5%	$734.0M 0.0%	$734.0M 0.0%	$734.0M
Common Stock	$1.0M 0.0%	$1.0M 0.0%	$1.0M 0.0%	$1.0M 0.0%	$1.0M
Additional Paid In Capital	$9.9B 0.5%	$9.9B 0.8%	$9.8B 0.6%	$9.7B 0.5%	$9.7B
Retained Earnings	$24.6B 13.7%	$21.6B 15.9%	$18.7B 11.6%	$16.7B 17.3%	$14.2B
Treasury Stock	$18.9B 17.7%	$16.1B 5.7%	$15.2B 7.3%	$14.2B 29.7%	$10.9B
Accumulated Other Comprehensive Income	$-50.0M -13.6%	$-44.0M -15.8%	$-38.0M 0.0%	$-38.0M -46.2%	$-26.0M
Total Stockholders Equity	$16.8B 1.1%	$16.6B 19.3%	$13.9B 8.0%	$12.9B -5.7%	$13.7B
Total Liabilitiesand Equity	$119.1B -0.3%	$119.5B 1.7%	$117.5B 12.4%	$104.6B 9.2%	$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
IncomeStatement
Revenues Total Revenue	$520.0M -65.8%	$1.5B 426.3%	$289.0M -23.9%	$380.0M -21.0%	$481.0M
Expenses Depreciation and Amortization	$514.0M 6.9%	$481.0M 5.0%	$458.0M 9.3%	$419.0M 7.4%	$390.0M
Other Income Expense Operating Income	$3.6B 1.5%	$3.5B 56.3%	$2.2B -25.8%	$3.0B -28.5%	$4.2B
Other Income Expense Income Before Tax	$4.6B 1.5%	$4.6B 56.8%	$2.9B -26.7%	$4.0B -28.0%	$5.5B
Income Tax Income Tax Expense	$1.1B 1.4%	$1.1B 58.3%	$666.0M -29.6%	$946.0M -26.2%	$1.3B
net Income net Income	$3.6B 1.5%	$3.5B 56.3%	$2.2B -25.8%	$3.0B -28.5%	$4.2B
net Income Comprehensive Income	$3.6B 1.6%	$3.5B 52.9%	$2.3B -22.5%	$3.0B -29.6%	$4.2B
Earnings Per Share Basic Eps	$9 8.6%	$9 65.8%	$5 -15.8%	$6 -16.4%	$7
Earnings Per Share Diluted Eps	$9 8.5%	$9 64.7%	$5 -15.6%	$6 -16.2%	$7
Earnings Per Share Weighted Average Shares Basic	$369.9M -6.7%	$396.5M -5.9%	$421.2M -12.3%	$480.4M -14.9%	$564.6M
Earnings Per Share Weighted Average Shares Diluted	$373.9M -6.7%	$400.6M -5.4%	$423.5M -12.4%	$483.4M -15.1%	$569.3M

Cash Flow Statement

Operating, investing, and financing flows

19 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 Income	$3.6B 1.5%	$3.5B 56.3%	$2.2B -25.8%	$3.0B -28.5%	$4.2B
Operating Activities Depreciation and Amortization	$514.0M 6.9%	$481.0M 5.0%	$458.0M 9.3%	$419.0M 7.4%	$390.0M
Operating Activities Deferred Income Taxes	$184.0M 287.8%	$-98.0M 78.6%	$-458.0M -8.8%	$-421.0M -292.2%	$219.0M
Operating Activities Changes In Operating Assets and Liabilities	$-537.0M -5.9%	$-507.0M 31.0%	$-735.0M -28.0%	$-574.0M -10.0%	$-522.0M
Operating Activities net Cash From Operating Activities	$9.9B 0.0%	$9.8B 14.6%	$8.6B 28.4%	$6.7B -5.7%	$7.1B
Investing Activities Business Acquisitions	$161.0M -91.7%	$1.9B	$0	$0	—
Investing Activities Purchases of Investments	$1.2B -57.8%	$2.8B -22.4%	$3.6B -6.3%	$3.9B 29.3%	$3.0B
Investing Activities Proceeds From Sale of Investments	$2.0B -46.0%	$3.6B -27.8%	$5.0B 25.8%	$4.0B -21.6%	$5.1B
Investing Activities Other Investing Activities	$852.0M 23.8%	$688.0M -4.7%	$722.0M 31.5%	$549.0M 0.0%	$549.0M
Investing Activities net Cash From Investing Activities	$-4.9B 45.5%	$-8.9B 37.5%	$-14.2B -39.1%	$-10.2B -112.6%	$-4.8B
Financing Activities Proceeds From Debt	$1.8B 140.0%	$745.0M 0.7%	$740.0M -66.9%	$2.2B 200.4%	$744.0M
Financing Activities Repayment of Debt	$2.6B 43.2%	$1.9B	$0 -100.0%	$1.5B 0.0%	$1.5B
Financing Activities Repurchase of Common Stock	$2.9B 191.8%	$1.0B -9.4%	$1.1B -66.5%	$3.3B 15.4%	$2.9B
Financing Activities Dividends Paid	$427.0M 7.3%	$398.0M -2.0%	$406.0M -6.5%	$434.0M -13.2%	$500.0M
Financing Activities Other Financing Activities	$-63.0M -275.0%	$36.0M 263.6%	$-22.0M 50.0%	$-44.0M -251.7%	$29.0M
Financing Activities net Cash From Financing Activities	$-4.7B -675.0%	$-611.0M -106.3%	$9.6B 82.3%	$5.3B 201.5%	$-5.2B
Cash Reconciliation net Change In Cash	$262.0M -21.6%	$334.0M -91.6%	$4.0B 128.8%	$1.7B 159.7%	$-2.9B
Cash Reconciliation Cash At Beginning of Period	$15.0B 1.5%	$14.8B 2.3%	$14.4B 38.3%	$10.4B 20.1%	$8.7B
Cash Reconciliation Cash At End of Period	$15.0B 1.5%	$14.8B 2.3%	$14.4B 38.3%	$10.4B 20.1%	$8.7B

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	+683.1%	+230.0%	+774.4%	+793.7%	+877.5%
Net margin	+683.1%	+230.0%	+774.4%	+793.7%	+877.5%
FCF margin	—	—	—	—	—
Growth
Revenue CAGR (3y)	+11.0%	+46.8%	-10.6%	+0.8%	+22.0%
Returns
ROE	+21.2%	+21.1%	+16.1%	+23.4%	+30.9%
ROA	+3.0%	+2.9%	+1.9%	+2.9%	+4.4%
ROIC	+8.5%	+8.2%	+5.5%	+7.4%	+9.4%
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	6.10x	6.21x	7.45x	7.12x	6.01x
Interest coverage	—	—	0.60x	1.98x	4.09x
Efficiency
Asset turnover	0.00x	0.01x	0.00x	0.00x	0.01x
Cash conversion cycle	—	—	—	—	—

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Synchrony Financial

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