Synchrony Financial
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SYF FY 2025 request
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/api/financials?ticker=SYF&year=2025&quarter=4&full_year_mode=true
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| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases | 21,698 | 21,596 | +0.5% |
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| Synchrony Segment | 21,698 | 21,596 | +0.5% |
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| Variable Interest Entity Primary Beneficiary | 4,377 | 4,358 | +0.4% |
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| Commercial Portfolio Segment | 186 | 179 | +3.9% |
| Consumer Loan | 824 | 854 | -3.5% |
| Credit Card Receivables | 20,683 | 20,554 | +0.6% |
| Unallocated Financing Receivables | 5 | 9 | -44.4% |
| Interestand Dividend Income Cashand Securities Operating | 903 | 1,049 | -13.9% |
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| Synchrony Segment | 903 | 1,049 | -13.9% |
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| Parent Company | 19 | 41 | -53.7% |
| Interest Income Operating | 22,601 | 22,645 | -0.2% |
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| Synchrony Segment | 22,601 | 22,645 | -0.2% |
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| Parent Company | 319 | 406 | -21.4% |
| Interest Expense Deposits | 3,330 | 3,806 | -12.5% |
| Interest Expense Borrowings (FY) | — | — | — |
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| Variable Interest Entity Primary Beneficiary | 417 | 427 | -2.3% |
| Interest Expense Debt Operating | 388 | 401 | -3.2% |
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| Parent Company | 325 | 319 | +1.9% |
| Interest Expense Operating | 4,135 | 4,634 | -10.8% |
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| Synchrony Segment | 4,135 | 4,634 | -10.8% |
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| Parent Company | 325 | 319 | +1.9% |
| Interest Income Expense Net | 18,466 | 18,011 | +2.5% |
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| Synchrony Segment | 18,466 | 18,011 | +2.5% |
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| Parent Company | -6 | 87 | -106.9% |
| Retailer Share Arrangements | -4,005 | -3,407 | -17.6% |
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| Synchrony Segment | -4,005 | -3,407 | -17.6% |
| Provision For Loan Losses Expensed | 5,225 | 6,733 | -22.4% |
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| Synchrony Segment | 5,225 | 6,733 | -22.4% |
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| Variable Interest Entity Primary Beneficiary | 973 | 963 | +1.0% |
| Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss | 9,236 | 7,871 | +17.3% |
| Noninterest Income Interchange Revenue | 1,067 | 1,026 | +4.0% |
| Noninterest Income Protection Product Revenue | 596 | 562 | +6.0% |
| Noninterest Expense Loyalty Programs | -1,438 | -1,382 | -4.1% |
| Noninterest Income Other Operating Income | 295 | 1,315 | -77.6% |
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| Servicing And Other Customer-Related Fees | 290 | 180 | +61.1% |
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| Parent Company | 160 | 1,214 | -86.8% |
| Noninterest Income | 520 | 1,521 | -65.8% |
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| Synchrony Segment | 520 | 1,521 | -65.8% |
| Labor And Related Expense | 2,093 | 1,872 | +11.8% |
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| Synchrony Segment | 2,093 | 1,872 | +11.8% |
| Professional Fees | 936 | 936 | 0.0% |
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| Synchrony Segment | 936 | 936 | 0.0% |
| Marketingand Business Development Expense | 511 | 524 | -2.5% |
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| Synchrony Segment | 511 | 524 | -2.5% |
| Information Technology And Data Processing | 899 | 803 | +12.0% |
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| Synchrony Segment | 899 | 803 | +12.0% |
| Other Noninterest Expense | 696 | 704 | -1.1% |
| Noninterest Expense | 5,135 | 4,839 | +6.1% |
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| Synchrony Segment | 5,135 | 4,839 | +6.1% |
| Income Before Taxes | 4,621 | 4,553 | +1.5% |
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| Parent Company | 2,986 | 1,812 | +64.8% |
| Income Tax Expense (Benefit) | 1,069 | 1,054 | +1.4% |
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| Synchrony Segment | 1,069 | 1,054 | +1.4% |
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| Parent Company | -18 | 259 | -106.9% |
| Net Income | 3,552 | 3,499 | +1.5% |
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| Synchrony Segment | 3,552 | 3,499 | +1.5% |
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| Retained Earnings | 3,552 | 3,499 | +1.5% |
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| Parent Company | 3,552 | 3,499 | +1.5% |
| Net Income Loss Available To Common Stockholders Basic | 3,469 | 3,427 | +1.2% |
| EPS (Basic) | 9.38 | 8.64 | +8.6% |
| EPS (Diluted) | 9.28 | 8.55 | +8.5% |
| Comprehensive Income | 3,563 | 3,508 | +1.6% |
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| Parent Company | 3,563 | 3,508 | +1.6% |
| Other Comprehensive Income | 11 | 9 | +22.2% |
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| Accumulated Other Comprehensive Income | 11 | 9 | +22.2% |
| Wtd Avg Shares (Basic) | 369.9 | 396.5 | -6.7% |
| Wtd Avg Shares (Diluted) | 373.9 | 400.6 | -6.7% |
| Preferred Stock Dividends Income Statement Impact | -83 | -72 | -15.3% |
| Other Expenses (FY) | — | — | — |
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| Parent Company | 243 | 236 | +3.0% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 14,973 | 14,711 | +1.8% |
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| Parent Company | 2,465 | 2,680 | -8.0% |
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| Goodwill | 1,363 | 1,274 | +7.0% |
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| Parent Company | 62 | 30 | +106.7% |
| Intangible Assets | 1,255 | 854 | +47.0% |
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| Computer Software Intangible Asset | 1,151 | 792 | +45.3% |
| Other Intangible Assets | 104 | 62 | +67.7% |
| Total Assets | 119,095 | 119,463 | -0.3% |
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| Parent Company | 23,770 | 23,630 | +0.6% |
| Variable Interest Entity Primary Beneficiary | 20,503 | 19,483 | +5.2% |
| Other Assets | |||
| Available For Sale Securities Debt Securities | 2,348 | 3,079 | -23.7% |
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| Fair Value Inputs Level2 · Asset Backed Securities | 515 | 922 | -44.1% |
| Fair Value Inputs Level2 · Residential Mortgage Backed Securities | 297 | 289 | +2.8% |
| Fair Value Inputs Level2 · US Government Corporations And Agencies Securities | 1,492 | 1,844 | -19.1% |
| Fair Value Inputs Level3 · Other Debt Securities | 9 | 8 | +12.5% |
| Fair Value Inputs Level3 · US States And Political Subdivisions | 35 | 16 | +118.8% |
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| Asset Backed Securities | 515 | 922 | -44.1% |
| Asset Backed Securities · Fair Value Measurements Recurring | 515 | 922 | -44.1% |
| Other Debt Securities | 9 | 8 | +12.5% |
| Other Debt Securities · Fair Value Measurements Recurring | 9 | 8 | +12.5% |
| Residential Mortgage Backed Securities | 297 | 289 | +2.8% |
| Residential Mortgage Backed Securities · Fair Value Measurements Recurring | 297 | 289 | +2.8% |
| US Government Corporations And Agencies Securities | 1,492 | 1,844 | -19.1% |
| US Government Corporations And Agencies Securities · Fair Value Measurements Recurring | 1,492 | 1,844 | -19.1% |
| US States And Political Subdivisions | 35 | 16 | +118.8% |
| US States And Political Subdivisions · Fair Value Measurements Recurring | 35 | 16 | +118.8% |
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| Parent Company | 28 | 37 | -24.3% |
| Notes Receivable Gross | 103,808 | 104,721 | -0.9% |
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| Variable Interest Entity Primary Beneficiary | 22,400 | 21,339 | +5.0% |
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| Federal Reserve Discount Window | 18.3 | 20.7 | -11.6% |
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| Commercial Portfolio Segment | 1,833 | 1,826 | +0.4% |
| Commercial Portfolio Segment · 30-89 days delinquent | 45 | 45 | 0.0% |
| Commercial Portfolio Segment · Financial Asset Past Due | 81 | 87 | -6.9% |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 36 | 42 | -14.3% |
| Consumer Loan | 5,548 | 5,971 | -7.1% |
| Consumer Loan · 30-89 days delinquent | 144 | 139 | +3.6% |
| Consumer Loan · Financial Asset Past Due | 175 | 178 | -1.7% |
| Consumer Loan · Financing Receivables Equal To Greater Than90 Days Past Due | 31 | 39 | -20.5% |
| Credit Card Receivables | 96,346 | 96,818 | -0.5% |
| Credit Card Receivables · 30-89 days delinquent | 2,223 | 2,229 | -0.3% |
| Credit Card Receivables · Financial Asset Past Due | 4,404 | 4,660 | -5.5% |
| Credit Card Receivables · Financing Receivables Equal To Greater Than90 Days Past Due | 2,181 | 2,431 | -10.3% |
| Unallocated Financing Receivables | 81 | 106 | -23.6% |
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| 30-89 days delinquent | 2,412 | 2,413 | -0.0% |
| Financial Asset Past Due | 4,660 | 4,925 | -5.4% |
| Financing Receivables Equal To Greater Than90 Days Past Due | 2,248 | 2,512 | -10.5% |
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| Unsecuritized Loans Held for Investment | 81,408 | 83,382 | -2.4% |
| Financing Receivable Allowance For Credit Losses | -10,442 | -10,929 | +4.5% |
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| Variable Interest Entity Primary Beneficiary | -1.9 | -1.9 | 0.0% |
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| Commercial Portfolio Segment | -109 | -127 | +14.2% |
| Consumer Loan | -543 | -542 | -0.2% |
| Credit Card Receivables | -9,789 | -10,259 | +4.6% |
| Unallocated Financing Receivables | -1 | -1 | 0.0% |
| Notes Receivable Net | 93,366 | 93,792 | -0.5% |
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| Variable Interest Entity Primary Beneficiary | 20,457 | 19,439 | +5.2% |
| Other Assets | 5,790 | 5,753 | +0.6% |
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| Parent Company | 975 | 945 | +3.2% |
| Variable Interest Entity Primary Beneficiary | 46 | 44 | +4.5% |
| Non-Current Liabilities | |||
| Long-Term Debt | 15,182 | 15,462 | -1.8% |
| Total Liabilities | 102,329 | 102,883 | -0.5% |
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| Parent Company | 7,004 | 7,050 | -0.7% |
| Variable Interest Entity Primary Beneficiary | 8,443 | 7,869 | +7.3% |
| Other Liabilities | |||
| Interest Bearing Deposit Liabilities | 80,748 | 81,664 | -1.1% |
| Noninterest Bearing Deposit Liabilities | 396 | 398 | -0.5% |
| Deposits | 81,144 | 82,062 | -1.1% |
| Secured Debt (Q) | — | — | — |
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| Fixed Securitized Borrowings · Variable Interest Entity Primary Beneficiary | 5,490 | 4,917 | +11.7% |
| Floating Securitized Borrowings · Variable Interest Entity Primary Beneficiary | 2,925 | 2,925 | 0.0% |
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| Variable Interest Entity Primary Beneficiary | 8,415 | 7,842 | +7.3% |
| Accrued Liabilities And Other Liabilities | 6,003 | 5,359 | +12.0% |
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| Parent Company | 619 | 576 | +7.5% |
| Stockholders' Equity | |||
| Preferred Stock Value | 1,222 | 1,222 | 0.0% |
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| Series A Preferred Stock | 734 | 734 | 0.0% |
| Series B Preferred Stock | 488 | 488 | 0.0% |
| Common Stock | 1 | 1 | 0.0% |
| Additional Paid-In Capital | 9,902 | 9,853 | +0.5% |
| Retained Earnings | 24,598 | 21,635 | +13.7% |
| Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax | -6 | -23 | +73.9% |
| Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax | -50 | -44 | -13.6% |
| Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax | 8 | 8 | 0.0% |
| Treasury Stock Value | -18,909 | -16,072 | -17.7% |
| Total Stockholders' Equity | 16,766 | 16,580 | +1.1% |
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| Accumulated Other Comprehensive Income | -48 | -59 | +18.6% |
| Additional Paid In Capital | 9,902 | 9,853 | +0.5% |
| Common Stock | 1 | 1 | 0.0% |
| Preferred Stock | 1,222 | 1,222 | 0.0% |
| Retained Earnings | 24,598 | 21,635 | +13.7% |
| Treasury Stock Common | -18,909 | -16,072 | -17.7% |
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| Parent Company | 16,766 | 16,580 | +1.1% |
| Total Liabilities & Equity | 119,095 | 119,463 | -0.3% |
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| Parent Company | 23,770 | 23,630 | +0.6% |
| Senior Notes | 6,767 | 7,620 | -11.2% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Deferred Income Taxes | 184 | -98 | +287.8% |
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| Parent Company | 1 | 122 | -99.2% |
| Depreciation & Amortization | 514 | 481 | +6.9% |
| Increase Decreasein Interestand Fee Receivable | -598 | 33 | -1912.1% |
| Increase Decrease In Other Operating Assets | 123 | -117 | +205.1% |
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| Parent Company | -39 | -16 | -143.8% |
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | 314 | -121 | +359.5% |
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| Parent Company | 34 | -15 | +326.7% |
| Increase Decrease In Other Operating Capital Net | 537 | 507 | +5.9% |
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| Parent Company | 163 | 169 | -3.6% |
| Net Cash from Operations | 9,851 | 9,848 | 0.0% |
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| Parent Company | 3,163 | 744 | +325.1% |
| Investing Activities | |||
| Proceeds From Sale And Maturity Of Available For Sale Securities | 1,952 | 3,616 | -46.0% |
| Purchases of Investments | -1,187 | -2,811 | +57.8% |
| Payments To Acquire Businesses Net Of Cash Acquired | -161 | -1,935 | +91.7% |
| Payments For Proceeds From Loans And Leases | -4,606 | -7,576 | +39.2% |
| Other Investing Activities | -852 | -688 | -23.8% |
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| Parent Company | -10 | -5 | -100.0% |
| Net Cash from Investing | -4,854 | -8,903 | +45.5% |
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| Parent Company | 232 | 696 | -66.7% |
| Financing Activities | |||
| Proceeds From Issuance Of Secured Debt | 2,242 | 1,694 | +32.3% |
| Repayments Of Secured Debt | -1,675 | -1,125 | -48.9% |
| Proceeds From Issuance Of Unsecured Debt | 1,788 | 745 | +140.0% |
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| Parent Company | 1,788 | 745 | +140.0% |
| Repayments Of Unsecured Debt | -2,650 | -1,850 | -43.2% |
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| Parent Company | -1,750 | -1,850 | +5.4% |
| Payments Of Dividends Preferred Stock And Preference Stock | -83 | -72 | -15.3% |
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| Parent Company | -83 | -72 | -15.3% |
| Increase Decrease In Deposits | -926 | 879 | -205.3% |
| Share Repurchases | -2,941 | -1,008 | -191.8% |
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| Parent Company | -2,941 | -1,008 | -191.8% |
| Payments Of Dividends Common Stock | -427 | -398 | -7.3% |
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| Parent Company | -427 | -398 | -7.3% |
| Proceeds From Payments For Other Financing Activities | -63 | 36 | -275.0% |
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| Parent Company | -61 | 39 | -256.4% |
| Net Cash from Financing | -4,735 | -611 | -675.0% |
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| Parent Company | -3,610 | -1,974 | -82.9% |
| Supplemental | |||
| Interest Paid | -4,162 | -4,662 | +10.7% |
| Income Taxes Paid | 710 | 1,087 | -34.7% |
| Other Cash Flow | |||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect | 262 | 334 | -21.6% |
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| Parent Company | -215 | -534 | +59.7% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents (Q) | — | — | — |
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| Parent Company | 2,465 | 2,680 | -8.0% |
| Restricted Cash And Equivalents Included In Other Assets | 44 | 44 | 0.0% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations | 15,017 | 14,755 | +1.8% |
Values in millions USD. Source: SEC EDGAR 10-K filing.