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

Each cell as a share of that year’s revenue.

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	2879.4%	967.2%	4933.9%	2708.9%	1733.3%
Other Current Assets	1113.5%	378.2%	1700.7%	1067.4%	715.6%
Goodwill	262.1%	83.8%	352.2%	290.8%	229.7%
Intangible Assets	241.3%	56.1%	282.0%	338.7%	242.8%
Other Noncurrent Assets	1113.5%	378.2%	1700.7%	1067.4%	715.6%
Total Assets	22902.9%	7854.2%	40650.2%	27516.8%	19906.0%
Liabilities
Current Portion of Long Term Debt	2919.6%	1016.6%	5530.1%	3734.5%	3016.0%
Total Current Liabilities	19678.7%	6764.2%	35839.4%	24129.2%	17067.2%
Long Term Debt	2919.6%	1016.6%	5530.1%	3734.5%	3016.0%
Total Liabilities	19678.7%	6764.2%	35839.4%	24129.2%	17067.2%
Equity
Preferred Stock	235.0%	80.3%	254.0%	193.2%	152.6%
Common Stock	0.2%	0.1%	0.3%	0.3%	0.2%
Additional Paid In Capital	1904.2%	647.8%	3382.4%	2557.4%	2010.2%
Retained Earnings	4730.4%	1422.4%	6457.4%	4398.9%	2961.5%
Treasury Stock	3636.3%	1056.7%	5259.9%	3729.2%	2271.3%
Accumulated Other Comprehensive Income	-9.6%	-2.9%	-13.1%	-10.0%	-5.4%
Total Stockholders Equity	3224.2%	1090.1%	4810.7%	3387.6%	2838.9%
Total Liabilitiesand Equity	22902.9%	7854.2%	40650.2%	27516.8%	19906.0%

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	100.0%	100.0%	100.0%	100.0%	100.0%
Expenses Depreciation and Amortization	98.8%	31.6%	158.5%	110.3%	81.1%
Other Income Expense Operating Income	683.1%	230.0%	774.4%	793.7%	877.5%
Other Income Expense Income Before Tax	888.7%	299.3%	1004.8%	1042.6%	1144.1%
Income Tax Income Tax Expense	205.6%	69.3%	230.4%	248.9%	266.5%
net Income net Income	683.1%	230.0%	774.4%	793.7%	877.5%
net Income Comprehensive Income	685.2%	230.6%	794.1%	778.9%	873.8%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	71.1%	26.1%	145.7%	126.4%	117.4%
Earnings Per Share Weighted Average Shares Diluted	71.9%	26.3%	146.5%	127.2%	118.4%

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	683.1%	230.0%	774.4%	793.7%	877.5%
Operating Activities Depreciation and Amortization	98.8%	31.6%	158.5%	110.3%	81.1%
Operating Activities Deferred Income Taxes	35.4%	-6.4%	-158.5%	-110.8%	45.5%
Operating Activities Changes In Operating Assets and Liabilities	-103.3%	-33.3%	-254.3%	-151.1%	-108.5%
Operating Activities net Cash From Operating Activities	1894.4%	647.5%	2973.4%	1761.6%	1475.9%
Investing Activities Business Acquisitions	31.0%	127.2%	0.0%	0.0%	—
Investing Activities Purchases of Investments	228.3%	184.8%	1253.6%	1017.4%	621.6%
Investing Activities Proceeds From Sale of Investments	375.4%	237.7%	1733.9%	1048.4%	1056.1%
Investing Activities Other Investing Activities	163.8%	45.2%	249.8%	144.5%	114.1%
Investing Activities net Cash From Investing Activities	-933.5%	-585.3%	-4925.3%	-2693.2%	-1000.8%
Financing Activities Proceeds From Debt	343.8%	49.0%	256.1%	588.2%	154.7%
Financing Activities Repayment of Debt	509.6%	121.6%	0.0%	394.7%	311.9%
Financing Activities Repurchase of Common Stock	565.6%	66.3%	384.8%	873.7%	597.9%
Financing Activities Dividends Paid	82.1%	26.2%	140.5%	114.2%	104.0%
Financing Activities Other Financing Activities	-12.1%	2.4%	-7.6%	-11.6%	6.0%
Financing Activities net Cash From Financing Activities	-910.6%	-40.2%	3332.9%	1390.5%	-1081.9%
Cash Reconciliation net Change In Cash	50.4%	22.0%	1381.0%	458.9%	-606.9%
Cash Reconciliation Cash At Beginning of Period	2879.4%	970.1%	4990.0%	2744.7%	1805.8%
Cash Reconciliation Cash At End of Period	2879.4%	970.1%	4990.0%	2744.7%	1805.8%

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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