Synchrony Financial (SYF)

Synchrony Financial Balance Sheet

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

Assets

Fiscal Quarter	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Period Ending	Sep 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021
Cash & Equivalents	15,901	16,193	20,559	14,973	16,245	19,457	21,629	14,711	17,934	18,632	20,021	14,259	15,643	12,706	15,303	10,294	11,962	10,682	10,541	8,337
Investment Securities	5,236	5,247	3,419	4,219	3,551	2,983	2,559	3,734	844	1,133	2,085	3,270	1,453	3,177	3,064	3,881	3,719	2,971	2,355	2,247
Mortgage-Backed Securities	309	311	291	297	312	283	297	289	316	321	334	354	268	282	306	418	334	374	410	461
Total Investments	5,545	5,558	3,710	4,516	3,863	3,266	2,856	4,023	1,160	1,454	2,419	3,624	1,721	3,459	3,370	4,299	4,053	3,345	2,765	2,708
Gross Loans	103,346	102,208	100,085	103,808	100,178	99,776	99,608	104,721	102,193	102,284	101,733	102,988	97,873	94,801	91,129	92,470	86,012	82,674	78,916	80,740
Allowance for Loan Losses	-10,341	-10,312	-10,428	-10,442	-10,373	-10,564	-10,828	-10,929	-11,029	-10,982	-10,905	-10,571	-10,176	-9,804	-9,517	-9,527	-9,102	-8,808	-8,651	-8,688
Net Loans	93,005	91,896	89,657	93,366	89,805	89,212	88,780	93,792	91,164	91,302	90,828	92,417	87,697	84,997	81,612	82,943	76,910	73,866	70,265	72,052
Property, Plant & Equipment	30	117	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Goodwill	1,363	1,363	1,363	1,363	1,274	1,274	1,274	1,274	1,274	1,274	1,073	1,018	1,105	1,105	1,105	1,105	1,105	1,105	1,105	1,105
Other Intangible Assets	1,347	1,252	1,223	1,255	909	862	847	854	765	776	800	815	1,169	1,226	1,297	742	1,033	1,118	1,149	1,168
Loans Held for Sale	-	-	-	-	192	191	-	-	-	-	-	-	-	-	-	-	-	-	4,046	4,361
Restricted Cash	796	1,047	44	44	42	722	1,053	44	47	48	50	50	157	149	617	136	1,099	108	383	349
Other Current Assets	-	-	-	-	-	-	-	-	-	-	-	256	-	-	-	-	-	-	-	-
Long-Term Deferred Tax Assets	2,103	2,051	-	2,078	-	-	-	2,290	-	-	-	2,195	-	-	-	-	-	-	-	-
Other Long-Term Assets	2,379	2,453	4,945	1,500	4,654	5,521	5,587	2,475	6,885	7,003	5,982	2,845	5,447	5,055	4,549	5,045	4,604	4,976	5,013	5,668
Total Assets	122,469	121,930	121,501	119,095	116,984	120,505	122,026	119,463	119,229	120,489	121,173	117,479	112,939	108,697	107,853	104,564	100,766	95,200	95,267	95,748

Liabilities

Fiscal Quarter	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Period Ending	Sep 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021
Accrued Expenses	4,143	4,095	4,002	3,531	3,582	3,582	3,301	3,394	3,433	6,212	4,400	4,256	3,975	5,321	5,301	3,902	5,029	4,941	4,914	5,088
Interest Bearing Deposits	69,613	69,576	69,678	68,448	68,013	70,757	71,630	70,464	70,901	72,108	72,460	70,789	68,769	66,644	65,908	64,136	61,932	58,528	57,980	56,911
Institutional Deposits	12,900	12,800	12,800	12,300	11,500	11,100	11,400	11,200	11,000	10,600	10,700	10,000	8,900	8,700	8,100	7,200	6,100	5,800	5,200	5,000
Non-Interest Bearing Deposits	438	430	416	396	373	405	405	398	383	392	394	364	397	421	417	399	372	381	395	359
Total Deposits	82,951	82,806	82,894	81,144	79,886	82,262	83,435	82,062	82,284	83,100	83,554	81,153	78,066	75,765	74,425	71,735	68,404	64,709	63,575	62,270
Current Portion of Long-Term Debt	4,500	4,350	4,050	2,250	2,650	-	-	-	-	-	-	-	-	-	-	-	-	-	750	-
Accrued Interest Payable	-	-	-	-	220	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	107	-	-	-	-	-	-	-	-
Long-Term Debt	12,525	12,082	12,378	12,932	11,781	16,009	17,009	15,462	15,632	15,637	16,133	15,982	15,231	14,231	14,934	14,191	14,321	12,157	12,610	14,507
Long-Term Unearned Revenue	1,800	1,700	1,700	1,800	1,800	1,700	1,700	1,800	1,900	-	1,800	1,900	1,900	-	-	1,700	-	-	-	-
Pension & Post-Retirement Benefits	-	-	-	165	-	-	-	165	-	-	-	171	-	-	-	163	-	-	-	228
Other Long-Term Liabilities	-	-	-	507	-	-	-	-	-	-	4	7	-	-	-	-	-	-	-	-
Total Liabilities	105,919	105,033	105,024	102,329	99,919	103,553	105,445	102,883	103,249	104,949	105,891	103,576	99,172	95,317	94,660	91,691	87,754	81,807	81,849	82,093

Shareholders' Equity

Fiscal Quarter	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Period Ending	Sep 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021
Preferred Stock, Redeemable	1,716	1,716	1,222	1,222	1,222	1,222	1,222	1,222	1,222	1,222	1,222	734	734	734	734	734	734	734	734	734
Common Stock	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid-In Capital	9,912	9,876	9,844	9,902	9,866	9,836	9,804	9,853	9,822	9,793	9,768	9,775	9,750	9,727	9,705	9,718	9,685	9,663	9,643	9,669
Retained Earnings	26,720	25,968	25,210	24,598	23,978	23,036	22,209	21,635	20,975	20,310	19,790	18,662	18,338	17,828	17,369	16,716	16,252	15,679	15,003	14,245
Treasury Stock	-21,701	-20,593	-19,744	-18,909	-17,956	-17,098	-16,602	-16,072	-15,990	-15,713	-15,430	-15,201	-14,960	-14,814	-14,514	-14,171	-13,473	-12,535	-11,842	-10,925
Comprehensive Income & Other	-98	-71	-56	-48	-46	-45	-53	-59	-50	-73	-69	-68	-96	-96	-102	-125	-187	-149	-121	-69
Total Common Equity	14,834	15,181	15,255	15,544	15,843	15,730	15,359	15,358	14,758	14,318	14,060	13,169	13,033	12,646	12,459	12,139	12,278	12,659	12,684	12,921
Shareholders' Equity	16,550	16,897	16,477	16,766	17,065	16,952	16,581	16,580	15,980	15,540	15,282	13,903	13,767	13,380	13,193	12,873	13,012	13,393	13,418	13,655
Total Liabilities & Equity	122,469	121,930	121,501	119,095	116,984	120,505	122,026	119,463	119,229	120,489	121,173	117,479	112,939	108,697	107,853	104,564	100,766	95,200	95,267	95,748

Additional Metrics

Fiscal Quarter	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Period Ending	Sep 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021
Total Debt	17,025	16,432	16,428	15,182	14,431	16,009	17,009	15,462	15,632	15,637	16,133	15,982	15,231	14,231	14,934	14,191	14,321	12,157	13,360	14,507
Net Cash (Debt)	-1,124	-239	4,131	-209	1,814	3,448	4,620	-751	2,302	2,995	3,888	-1,723	412	-1,525	369	-3,897	-2,359	-1,475	-2,819	-6,170
Net Cash Growth (YoY)	-	-	-10.58%	-	-21.20%	15.13%	18.83%	-	458.74%	-	953.66%	-	-	-	-	-	-	-	-	-
Net Cash Per Share	-3.49	-0.72	11.94	-0.58	4.90	9.10	11.86	-1.90	5.81	7.44	9.52	-4.16	0.98	-3.60	0.84	-8.68	-5.01	-2.98	-5.43	-11.36
Filing Date Shares Outstanding	311.4	325.37	336.95	347.6	360.17	372.06	380.65	388.75	389.34	395.23	401.54	406.84	413.8	418.18	428.57	437.04	450.54	481.76	501.49	521.27
Total Common Shares Outstanding	310.99	324.99	337	347.4	360.14	371.94	380.54	388.26	389.22	395.12	401.41	406.88	413.79	418.11	428.45	438.22	458.9	526.83	506.22	526.83
Book Value Per Share	47.70	46.71	45.27	44.74	43.99	42.29	40.36	39.56	37.92	36.24	35.03	32.37	31.50	30.25	29.08	27.70	26.76	24.03	25.06	24.53
Tangible Book Value	12,124	12,566	12,669	12,926	13,660	13,594	13,238	13,230	12,719	12,268	12,187	11,336	10,759	10,315	10,057	10,292	10,140	10,436	10,430	10,648
Tangible Book Value Per Share	38.99	38.67	37.59	37.21	37.93	36.55	34.79	34.08	32.68	31.05	30.36	27.86	26.00	24.67	23.47	23.49	22.10	19.81	20.60	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:

Nov 5, 2026

Data Sources Report a data error