Synchrony Financial Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Dec '25 Dec 12, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Market Capitalization	25,483	24,444	14,297	13,853	22,323	16,565	Upgrade
Market Cap Growth	2.82%	70.97%	3.21%	-37.94%	34.76%	-20.11%	Upgrade
PE Ratio	8.56	7.39	7.20	4.98	6.08	15.09	Upgrade
PS Ratio	3.10	2.70	2.06	1.78	2.68	3.46	Upgrade
PB Ratio	1.75	1.53	1.14	1.15	1.86	1.60	Upgrade
P/OCF Ratio	3.07	2.57	1.84	2.21	3.58	2.71	Upgrade
Debt / Equity Ratio	0.85	0.93	1.15	1.10	1.06	1.24	Upgrade
Return on Equity (ROE)	21.64%	22.96%	16.72%	22.74%	32.03%	9.97%	Upgrade
Return on Assets (ROA)	3.03%	2.95%	2.02%	3.01%	4.40%	1.38%	Upgrade
Earnings Yield	11.68%	13.83%	14.16%	20.37%	16.63%	6.83%	Upgrade
Payout Ratio	14.01%	13.43%	20.02%	15.78%	12.84%	40.58%	Upgrade
Buyback Yield / Dilution	5.45%	5.41%	12.39%	15.09%	3.64%	12.28%	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.