Synchrony Financial (BMV:SYF)

Synchrony Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	19,457	14,711	14,259	10,294	8,337	11,524
Investment Securities	2,905	3,734	3,270	3,881	2,247	3,966
Mortgage-Backed Securities	-	289	354	418	461	613
Total Investments	2,905	4,023	3,624	4,299	2,708	4,579
Gross Loans	99,776	104,721	102,988	92,470	80,740	81,867
Allowance for Loan Losses	-10,564	-10,929	-10,571	-9,527	-8,688	-10,265
Net Loans	89,212	93,792	92,417	82,943	72,052	71,602
Goodwill	1,274	1,274	1,018	1,105	1,105	1,078
Other Intangible Assets	862	854	815	742	1,168	1,125
Loans Held for Sale	191	-	-	-	4,361	5
Restricted Cash	-	44	50	136	349	81
Other Current Assets	-	-	256	-	-	-
Long-Term Deferred Tax Assets	-	2,290	2,195	-	-	-
Other Long-Term Assets	6,604	2,475	2,845	5,045	5,668	5,954
Total Assets	120,505	119,463	117,479	104,564	95,748	95,948
Accrued Expenses	5,282	3,394	4,256	3,902	5,088	4,456
Interest Bearing Deposits	81,857	70,464	70,789	64,136	56,911	55,969
Institutional Deposits	-	11,200	10,000	7,200	5,000	6,500
Non-Interest Bearing Deposits	405	398	364	399	359	313
Total Deposits	82,262	82,062	81,153	71,735	62,270	62,782
Current Portion of Long-Term Debt	-	-	-	-	-	1,497
Other Current Liabilities	-	-	107	-	-	-
Long-Term Debt	16,009	15,462	15,982	14,191	14,507	14,278
Long-Term Unearned Revenue	-	1,800	1,900	1,700	-	-
Pension & Post-Retirement Benefits	-	165	171	163	228	234
Other Long-Term Liabilities	-	-	7	-	-	-
Total Liabilities	103,553	102,883	103,576	91,691	82,093	83,247
Preferred Stock, Redeemable	1,222	1,222	734	734	734	734
Common Stock	1	1	1	1	1	1
Additional Paid-In Capital	9,836	9,853	9,775	9,718	9,669	9,570
Retained Earnings	23,036	21,635	18,662	16,716	14,245	10,621
Treasury Stock	-17,098	-16,072	-15,201	-14,171	-10,925	-8,174
Comprehensive Income & Other	-45	-59	-68	-125	-69	-51
Total Common Equity	15,730	15,358	13,169	12,139	12,921	11,967
Shareholders' Equity	16,952	16,580	13,903	12,873	13,655	12,701
Total Liabilities & Equity	120,505	119,463	117,479	104,564	95,748	95,948
Total Debt	16,009	15,462	15,982	14,191	14,507	15,775
Net Cash (Debt)	3,448	-751	-1,723	-3,897	-6,170	-4,251
Net Cash Per Share	9.06	-1.87	-4.07	-8.06	-10.84	-7.20
Filing Date Shares Outstanding	380.54	388.75	406.84	437.04	521.27	583.88
Total Common Shares Outstanding	380.54	388.26	406.88	438.22	526.83	584.01
Book Value Per Share	41.34	39.56	32.37	27.70	24.53	20.49
Tangible Book Value	13,594	13,230	11,336	10,292	10,648	9,764
Tangible Book Value Per Share	35.72	34.08	27.86	23.49	20.21	16.72

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