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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 19, 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	21,647	25,593	24,444	14,297	13,853	22,323
Market Cap Growth	-14.63%	4.70%	70.97%	3.21%	-37.94%	34.76%
Last Close Price	61.77	71.11	61.19	32.83	28.06	37.76
PE Ratio	7.33	8.66	7.39	7.20	4.98	6.08
PS Ratio	2.61	3.08	2.70	2.06	1.78	2.68
PB Ratio	1.52	1.79	1.53	1.14	1.15	1.86
P/OCF Ratio	2.58	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
Net Debt / Equity Ratio	0.01	0.01	0.05	0.12	0.30	0.45
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	13.65%	11.82%	13.83%	14.16%	20.37%	16.63%
Dividend Yield	1.68%	1.38%	1.58%	2.65%	3.00%	2.05%
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	8.35%	8.04%	6.99%	15.04%	18.09%	5.69%

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