Synchrony Financial Ratios and Metrics

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

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jan '26 Jan 28, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	136,361	165,510	156,524	76,682	78,267	141,451
Market Cap Growth	-15.99%	5.74%	104.12%	-2.02%	-44.67%	34.42%
Last Close Price	378.68	458.61	396.82	179.67	161.25	242.64
PE Ratio	7.14	8.66	7.39	7.20	4.98	6.08
PS Ratio	2.54	3.08	2.70	2.06	1.78	2.68
PB Ratio	1.48	1.79	1.53	1.14	1.15	1.86
P/OCF Ratio	2.51	3.05	2.57	1.84	2.21	3.58
Debt / Equity Ratio	0.91	0.91	0.93	1.15	1.10	1.06
Return on Equity (ROE)	21.30%	21.30%	22.96%	16.72%	22.74%	32.03%
Return on Assets (ROA)	2.98%	2.98%	2.95%	2.02%	3.01%	4.40%
Earnings Yield	14.01%	11.82%	13.83%	14.16%	20.37%	16.63%
Dividend Yield	1.16%	1.38%	1.56%	2.59%	2.95%	2.02%
Payout Ratio	14.36%	14.36%	13.43%	20.02%	15.78%	12.84%
Buyback Yield / Dilution	6.67%	6.67%	5.41%	12.39%	15.09%	3.64%
Total Shareholder Return	7.82%	8.05%	6.97%	14.98%	18.04%	5.66%

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