Synchrony Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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
Cash & Equivalents	20,559	14,973	14,711	14,259	10,294	8,337
Securities and Investments	3,040	2,348	3,079	3,799	4,879	5,283
Other Earning Assets	100,085	103,808	104,721	102,988	92,470	85,101
Gross Loans	100,085	103,808	104,721	102,988	92,470	80,740
Allowance for Loan Losses	-10,428	-10,442	-10,929	-10,571	-9,527	-8,688
Net Loans	89,657	93,366	93,792	92,417	82,943	72,052
Other Intangible Assets	1,223	1,255	854	815	742	1,168
Goodwill	1,363	1,363	1,274	1,018	1,105	1,105
Other Non-Earning Assets	5,659	5,790	5,753	5,171	4,601	3,442
Total Assets	121,501	119,095	119,463	117,479	104,564	95,748
Interest-bearing deposits	82,478	80,748	81,664	80,789	71,336	61,911
Noninterest-bearing deposits	416	396	398	364	399	359
Total Deposits	82,894	81,144	82,062	81,153	71,735	62,270
Accrued Expenses	5,702	6,003	5,359	6,334	5,765	5,316
Long-Term Debt	16,428	15,182	15,462	15,982	14,191	14,507
Other Liabilities	-	-	-	107	-	-
Total Liabilities	105,024	102,329	102,883	103,576	91,691	82,093
Preferred Stock	1,222	1,222	1,222	734	734	734
Common Stock	1	1	1	1	1	1
Treasury Stock	-19,744	-18,909	-16,072	-15,201	-14,171	-10,925
Additional Paid-in Capital	9,844	9,902	9,853	9,775	9,718	9,669
Accumulated Other Comprehensive Income	-112	-96	-59	-68	-125	-69
Retained Earnings	25,210	24,598	21,635	18,662	16,716	14,245
Total Common Shareholders' Equity	16,421	16,718	16,580	13,903	12,873	13,655
Shareholders' Equity	16,477	16,766	16,580	13,903	12,873	13,655
Total Liabilities & Equity	121,501	119,095	119,463	117,479	104,564	95,748
Total Debt	16,428	15,182	15,462	15,982	14,191	14,507
Net Cash (Debt)	-16,428	-15,182	-15,462	-15,982	-14,191	-14,507
Net Cash Per Share	-45.24	-40.60	-38.60	-37.74	-29.36	-25.48
Book Value	16,421	16,718	16,580	13,903	12,873	13,655
Book Value Per Share	45.22	44.71	41.39	32.83	26.63	23.99
Tangible Book Value	13,835	14,100	14,452	12,070	11,026	11,382
Tangible Book Value Per Share	38.10	37.71	36.08	28.50	22.81	19.99

Updated Mar 31, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q