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

Year-over-year change per cell; first column has no prior.

Balance Sheet

Assets, liabilities, and equity

18 accounts · 3 years

Total assets $119.1B

Total liabilities $102.3B

Shareholders equity $16.8B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	+1.8%	+3.2%	—
Other Current Assets	+0.6%	+17.0%	—
Goodwill	+7.0%	+25.1%	—
Intangible Assets	+47.0%	+4.8%	—
Other Noncurrent Assets	+0.6%	+17.0%	—
Total Assets	-0.3%	+1.7%	—
Liabilities
Current Portion of Long Term Debt	-1.8%	-3.3%	—
Total Current Liabilities	-0.5%	-0.7%	—
Long Term Debt	-1.8%	-3.3%	—
Total Liabilities	-0.5%	-0.7%	—
Equity
Preferred Stock	+0.0%	+66.5%	—
Common Stock	+0.0%	+0.0%	—
Additional Paid In Capital	+0.5%	+0.8%	—
Retained Earnings	+13.7%	+15.9%	—
Treasury Stock	+17.7%	+5.7%	—
Accumulated Other Comprehensive Income	-13.6%	-15.8%	—
Total Stockholders Equity	+1.1%	+19.3%	—
Total Liabilitiesand Equity	-0.3%	+1.7%	—

Income Statement

Revenue, expense, and profitability

11 accounts · 3 years

Revenue $520.0M

Operating income $3.6B

Net income $3.6B

Account	2025	2024	2023
IncomeStatement
Revenues Total Revenue	-65.8%	+426.3%	—
Expenses Depreciation and Amortization	+6.9%	+5.0%	—
Other Income Expense Operating Income	+1.5%	+56.3%	—
Other Income Expense Income Before Tax	+1.5%	+56.8%	—
Income Tax Income Tax Expense	+1.4%	+58.3%	—
net Income net Income	+1.5%	+56.3%	—
net Income Comprehensive Income	+1.6%	+52.9%	—
Earnings Per Share Basic Eps	+8.6%	+65.8%	—
Earnings Per Share Diluted Eps	+8.5%	+64.7%	—
Earnings Per Share Weighted Average Shares Basic	-6.7%	-5.9%	—
Earnings Per Share Weighted Average Shares Diluted	-6.7%	-5.4%	—

Cash Flow Statement

Operating, investing, and financing flows

19 accounts · 3 years

Operating cash flow $9.9B

Investing cash flow $-4.9B

Financing cash flow $-4.7B

Account	2025	2024	2023
CashFlow
Operating Activities net Income	+1.5%	+56.3%	—
Operating Activities Depreciation and Amortization	+6.9%	+5.0%	—
Operating Activities Deferred Income Taxes	+287.8%	+78.6%	—
Operating Activities Changes In Operating Assets and Liabilities	-5.9%	+31.0%	—
Operating Activities net Cash From Operating Activities	+0.0%	+14.6%	—
Investing Activities Business Acquisitions	-91.7%	—	—
Investing Activities Purchases of Investments	-57.8%	-22.4%	—
Investing Activities Proceeds From Sale of Investments	-46.0%	-27.8%	—
Investing Activities Other Investing Activities	+23.8%	-4.7%	—
Investing Activities net Cash From Investing Activities	+45.5%	+37.5%	—
Financing Activities Proceeds From Debt	+140.0%	+0.7%	—
Financing Activities Repayment of Debt	+43.2%	—	—
Financing Activities Repurchase of Common Stock	+191.8%	-9.4%	—
Financing Activities Dividends Paid	+7.3%	-2.0%	—
Financing Activities Other Financing Activities	-275.0%	+263.6%	—
Financing Activities net Cash From Financing Activities	-675.0%	-106.3%	—
Cash Reconciliation net Change In Cash	-21.6%	-91.6%	—
Cash Reconciliation Cash At Beginning of Period	+1.5%	+2.3%	—
Cash Reconciliation Cash At End of Period	+1.5%	+2.3%	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

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

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Synchrony Financial

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