Synchrony Financial (SYF)

Synchrony Financial Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	15,901	14,973	14,711	14,259	10,294	8,337
Investment Securities	5,236	4,219	3,734	3,270	3,881	2,247
Mortgage-Backed Securities	309	297	289	354	418	461
Total Investments	5,545	4,516	4,023	3,624	4,299	2,708
Gross Loans	103,346	103,808	104,721	102,988	92,470	80,740
Allowance for Loan Losses	-10,341	-10,442	-10,929	-10,571	-9,527	-8,688
Net Loans	93,005	93,366	93,792	92,417	82,943	72,052
Goodwill	1,363	1,363	1,274	1,018	1,105	1,105
Other Intangible Assets	1,347	1,255	854	815	742	1,168
Loans Held for Sale	-	-	-	-	-	4,361
Restricted Cash	796	44	44	50	136	349
Other Current Assets	-	-	-	256	-	-
Long-Term Deferred Tax Assets	2,103	2,078	2,290	2,195	-	-
Other Long-Term Assets	2,379	1,500	2,475	2,845	5,045	5,668
Total Assets	122,469	119,095	119,463	117,479	104,564	95,748

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	4,143	3,531	3,394	4,256	3,902	5,088
Interest Bearing Deposits	69,613	68,448	70,464	70,789	64,136	56,911
Institutional Deposits	12,900	12,300	11,200	10,000	7,200	5,000
Non-Interest Bearing Deposits	438	396	398	364	399	359
Total Deposits	82,951	81,144	82,062	81,153	71,735	62,270
Current Portion of Long-Term Debt	4,500	2,250	-	-	-	-
Other Current Liabilities	-	-	-	107	-	-
Long-Term Debt	12,525	12,932	15,462	15,982	14,191	14,507
Long-Term Unearned Revenue	1,800	1,800	1,800	1,900	1,700	-
Pension & Post-Retirement Benefits	-	165	165	171	163	228
Other Long-Term Liabilities	-	507	-	7	-	-
Total Liabilities	105,919	102,329	102,883	103,576	91,691	82,093

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Preferred Stock, Redeemable	1,716	1,222	1,222	734	734	734
Common Stock	1	1	1	1	1	1
Additional Paid-In Capital	9,912	9,902	9,853	9,775	9,718	9,669
Retained Earnings	26,720	24,598	21,635	18,662	16,716	14,245
Treasury Stock	-21,701	-18,909	-16,072	-15,201	-14,171	-10,925
Comprehensive Income & Other	-98	-48	-59	-68	-125	-69
Total Common Equity	14,834	15,544	15,358	13,169	12,139	12,921
Shareholders' Equity	16,550	16,766	16,580	13,903	12,873	13,655
Total Liabilities & Equity	122,469	119,095	119,463	117,479	104,564	95,748

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	17,025	15,182	15,462	15,982	14,191	14,507
Net Cash (Debt)	-1,124	-209	-751	-1,723	-3,897	-6,170
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-3.31	-0.56	-1.87	-4.07	-8.06	-10.84
Filing Date Shares Outstanding	311.4	347.6	388.75	406.84	437.04	521.27
Total Common Shares Outstanding	310.99	347.4	388.26	406.88	438.22	526.83
Book Value Per Share	47.70	44.74	39.56	32.37	27.70	24.53
Tangible Book Value	12,124	12,926	13,230	11,336	10,292	10,648
Tangible Book Value Per Share	38.99	37.21	34.08	27.86	23.49	20.21

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 26, 2026

Data Sources Report a data error