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	2016 - 2020
Period Ending	Sep '25 Sep 10, 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	2016 - 2020
Market Capitalization	24,150	24,444	14,297	13,853	22,323	16,565	Upgrade
Market Cap Growth	22.32%	70.97%	3.21%	-37.94%	34.76%	-20.11%	Upgrade
Last Close Price	64.85	61.68	33.10	28.29	38.06	24.63	Upgrade
PE Ratio	8.85	7.39	7.20	4.98	6.08	15.09	Upgrade
PS Ratio	3.09	2.70	2.06	1.78	2.68	3.46	Upgrade
PB Ratio	1.67	1.53	1.14	1.15	1.86	1.60	Upgrade
P/OCF Ratio	-	2.57	1.84	2.21	3.58	2.71	Upgrade
Debt / Equity Ratio	0.94	0.93	1.15	1.10	1.06	1.24	Upgrade
Return on Equity (ROE)	20.23%	22.96%	16.72%	22.74%	32.03%	9.97%	Upgrade
Return on Assets (ROA)	2.73%	2.95%	2.02%	3.01%	4.40%	1.38%	Upgrade
Earnings Yield	11.29%	13.83%	14.16%	20.37%	16.63%	6.83%	Upgrade
Dividend Yield	1.53%	1.57%	2.62%	2.98%	2.03%	2.92%	Upgrade
Payout Ratio	14.94%	13.43%	20.02%	15.78%	12.84%	40.58%	Upgrade
Buyback Yield / Dilution	6.17%	5.41%	12.39%	15.09%	3.64%	12.28%	Upgrade
Total Shareholder Return	7.71%	6.97%	15.02%	18.07%	5.67%	15.20%	Upgrade

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