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 revenue.

Balance Sheet

Assets, liabilities, and equity

18 accounts · 10 years

Total assets $119.1B

Total liabilities $102.3B

Shareholders equity $16.8B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	66.2%	65.0%	68.9%	60.0%	54.6%	71.7%	63.6%	52.2%	70.7%	63.1%
Investment Securities	10.4%	13.6%	18.3%	28.5%	34.6%	46.5%	31.0%	33.7%	27.3%	34.6%
Loans net	459.3%	462.4%	497.3%	539.3%	557.3%	509.6%	460.7%	482.1%	465.5%	487.2%
Goodwill	6.0%	5.6%	4.9%	6.4%	7.2%	6.7%	5.6%	5.7%	6.0%	6.4%
Other Assets	-15.0%	-19.1%	-22.1%	-24.4%	-26.7%	-37.3%	-11.8%	20.0%	14.4%	19.2%
Total Assets	526.9%	527.5%	567.3%	609.8%	627.0%	597.2%	549.1%	593.7%	583.9%	610.4%
Liabilities
Deposits	359.0%	362.4%	391.9%	418.4%	407.8%	390.8%	341.3%	355.9%	344.3%	352.2%
Long Term Debt	67.2%	68.3%	77.2%	82.8%	95.0%	98.2%	104.1%	133.4%	126.8%	136.3%
Other Liabilities	26.6%	23.7%	31.1%	33.6%	34.8%	29.2%	24.7%	22.8%	26.1%	25.8%
Total Liabilities	452.8%	454.3%	500.1%	534.8%	537.6%	518.1%	470.1%	512.1%	497.2%	514.4%
Equity
Total Stockholders Equity	74.2%	73.2%	67.1%	75.1%	89.4%	79.1%	79.0%	81.6%	86.8%	96.1%
Common Stock	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Retained Earnings	108.8%	95.5%	90.1%	97.5%	93.3%	66.1%	63.5%	50.0%	41.5%	36.1%
Preferred Stock	5.4%	5.4%	3.5%	4.3%	4.8%	4.6%	3.8%	0.0%	—	—
Additional Paid In Capital	43.8%	43.5%	47.2%	56.7%	63.3%	59.6%	50.0%	52.7%	57.6%	63.6%
Treasury Stock	83.7%	71.0%	73.4%	82.6%	71.5%	50.9%	37.9%	20.7%	11.9%	3.2%
Other Equity	-0.2%	-0.3%	-0.3%	-0.7%	-0.5%	-0.3%	-0.3%	-0.3%	-0.4%	-0.4%
Total Liabilitiesand Equity	526.9%	527.5%	567.3%	609.8%	627.0%	597.2%	549.1%	593.7%	583.9%	610.4%

Income Statement

Revenue, expense, and profitability

10 accounts · 10 years

Revenue $22.6B

Operating income Not reported

Net income $3.6B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Interest Income Total Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Interest Expense Interest Expense	18.3%	20.5%	17.9%	8.9%	6.8%	10.4%	12.0%	10.4%	8.5%	8.4%
net Interest Income net Interest Income	81.7%	79.5%	82.1%	91.1%	93.2%	89.6%	88.0%	89.6%	91.5%	91.6%
Noninterest Income Total Noninterest Income	2.3%	6.7%	1.4%	2.2%	3.1%	2.5%	1.9%	1.5%	1.8%	2.3%
Expenses Noninterest Expense	22.7%	21.4%	23.0%	25.3%	26.0%	25.2%	22.2%	22.8%	22.8%	23.1%
Income Tax Income Tax Expense	4.7%	4.7%	3.2%	5.5%	8.4%	2.6%	6.0%	4.7%	8.5%	8.9%
net Income Other Items Below Tax	-40.8%	-44.8%	-46.5%	-44.9%	-34.4%	-55.7%	-42.1%	-48.1%	-50.2%	-46.6%
net Income net Income	15.7%	15.5%	10.8%	17.6%	27.6%	8.6%	19.6%	15.5%	11.8%	15.2%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%	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%	0.0%	0.0%	0.0%	0.0%	0.0%

Cash Flow Statement

Operating, investing, and financing flows

11 accounts · 10 years

Operating cash flow $9.9B

Investing cash flow $-4.9B

Financing cash flow $-4.7B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Cash From Operating Activities	43.6%	43.5%	41.5%	39.0%	46.5%	46.6%	47.1%	51.9%	54.3%	46.2%
Operating Activities net Income	15.7%	15.5%	10.8%	17.6%	27.6%	8.6%	19.6%	15.5%	11.8%	15.2%
Operating Activities Depreciation and Amortization	2.3%	2.1%	2.2%	2.4%	2.6%	2.4%	1.9%	1.7%	1.5%	1.5%
Operating Activities Other Non Cash Items	25.6%	25.9%	28.5%	19.0%	16.3%	35.6%	25.5%	34.7%	41.0%	29.5%
Investing Activities net Cash From Investing Activities	-21.5%	-39.3%	-68.7%	-59.7%	-31.5%	-3.1%	-1.4%	-105.8%	-57.4%	-90.1%
Investing Activities Other Investing Activities	-21.5%	-39.3%	-68.7%	-59.7%	-31.5%	-3.1%	-1.4%	-105.8%	-57.4%	-90.1%
Financing Activities net Cash From Financing Activities	-21.0%	-2.7%	46.5%	30.8%	-34.1%	-50.0%	-33.8%	45.9%	16.9%	23.6%
Financing Activities Dividends Paid	-2.3%	-2.1%	-2.2%	-2.8%	-3.5%	-3.5%	-3.0%	-3.0%	-2.7%	-1.4%
Financing Activities Repurchase of Common Stock	-13.0%	-4.5%	-5.4%	-19.4%	-18.8%	-6.1%	-19.0%	-10.4%	-9.1%	-3.2%
Financing Activities Other Financing Activities	-5.7%	3.8%	54.0%	53.0%	-11.7%	-40.4%	-11.8%	59.2%	28.8%	28.3%
Cash Reconciliation net Change In Cash	1.2%	1.5%	19.3%	10.2%	-19.1%	-6.5%	11.9%	-8.0%	13.9%	-20.3%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Net margin	+15.7%	+15.5%	+10.8%	+17.6%	+27.6%	+8.6%	+19.6%	+15.5%	+11.8%	+15.2%
FCF margin	—	—	—	—	—	—	—	—	—	—
Growth
Revenue CAGR (3y)	+9.6%	+14.0%	+8.8%	-3.5%	-5.3%	-0.7%	+8.9%	+10.8%	+10.3%	+9.3%
Returns
ROE	+21.2%	+21.1%	+16.1%	+23.4%	+30.9%	+10.9%	+24.8%	+19.0%	+13.6%	+15.9%
ROA	+3.0%	+2.9%	+1.9%	+2.9%	+4.4%	+1.4%	+3.6%	+2.6%	+2.0%	+2.5%
ROIC	—	—	—	—	—	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—
Leverage
D/E	6.10x	6.21x	7.45x	7.12x	6.01x	6.55x	5.95x	6.28x	5.73x	5.35x
Interest coverage	—	—	—	—	—	—	—	—	—	—
Efficiency
Asset turnover	0.19x	0.19x	0.18x	0.16x	0.16x	0.17x	0.18x	0.17x	0.17x	0.16x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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Synchrony Financial

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