Synchrony Financial (SYF)

Synchrony Financial Balance Sheet

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	14,973	14,711	14,259	10,294	8,337
Securities and Investments	2,348	3,079	3,799	4,879	5,283
Other Earning Assets	103,808	104,721	102,988	92,470	85,101
Gross Loans	103,808	104,721	102,988	92,470	80,740
Allowance for Loan Losses	-10,442	-10,929	-10,571	-9,527	-8,688
Net Loans	93,366	93,792	92,417	82,943	72,052
Other Intangible Assets	1,255	854	815	742	1,168
Goodwill	1,363	1,274	1,018	1,105	1,105
Other Non-Earning Assets	5,790	5,753	5,171	4,601	3,442
Total Assets	119,095	119,463	117,479	104,564	95,748
Interest-bearing deposits	80,748	81,664	80,789	71,336	61,911
Noninterest-bearing deposits	396	398	364	399	359
Total Deposits	81,144	82,062	81,153	71,735	62,270
Accrued Expenses	6,003	5,359	6,334	5,765	5,316
Long-Term Debt	30,364	30,924	31,964	28,382	29,014
Other Liabilities	-	-	107	-	-
Total Liabilities	102,329	102,883	103,576	91,691	82,093
Preferred Stock	1,222	1,222	734	734	734
Common Stock	1	1	1	1	1
Treasury Stock	-18,909	-16,072	-15,201	-14,171	-10,925
Additional Paid-in Capital	9,902	9,853	9,775	9,718	9,669
Accumulated Other Comprehensive Income	-48	-59	-68	-125	-69
Retained Earnings	24,598	21,635	18,662	16,716	14,245
Shareholders' Equity	16,766	16,580	13,903	12,873	13,655
Total Liabilities & Equity	119,095	119,463	117,479	104,564	95,748
Total Debt	30,364	30,924	31,964	28,382	29,014
Net Cash (Debt)	-30,364	-30,924	-31,964	-28,382	-29,014
Net Cash Per Share	-81.21	-77.19	-75.48	-58.71	-50.96
Book Value	16,766	16,580	13,903	12,873	13,655
Book Value Per Share	44.84	41.39	32.83	26.63	23.99
Tangible Book Value	14,148	14,452	12,070	11,026	11,382
Tangible Book Value Per Share	37.84	36.08	28.50	22.81	19.99

Updated Jan 27, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q