Synchrony Financial
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SYF Q2 2025 request
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| Metric | Q2 2025 | Q2 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases (Q) | — | — | — |
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| Synchrony Segment | 5,328 | 5,301 | +0.5% |
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| Interest And Fee Income Loans And Leases | 5,328 | 5,301 | +0.5% |
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| Variable Interest Entity Primary Beneficiary | 1 | 1 | 0.0% |
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| Commercial Portfolio Segment | 43 | 43 | 0.0% |
| Consumer Loan | 207 | 243 | -14.8% |
| Credit Card Receivables | 5,076 | 5,013 | +1.3% |
| Unallocated Financing Receivables | 2 | 2 | 0.0% |
| Interestand Dividend Income Cashand Securities Operating (Q) | — | — | — |
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| Synchrony Segment | 258 | 281 | -8.2% |
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| Interestand Dividend Income Cashand Securities Operating | 258 | 281 | -8.2% |
| Interest Income Operating (Q) | — | — | — |
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| Synchrony Segment | 5,586 | 5,582 | +0.1% |
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| Interest Income Operating | 5,586 | 5,582 | +0.1% |
| Interest Expense Deposits (Q) | — | — | — |
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| Interest Expense Deposits | 855 | 967 | -11.6% |
| Interest Expense Debt Operating (Q) | — | — | — |
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| Interest Expense Debt Operating | 106 | 100 | +6.0% |
| Interest Expense Borrowings (Q) | — | — | — |
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| Variable Interest Entity Primary Beneficiary | 104 | 110 | -5.5% |
| Interest Expense Operating (Q) | — | — | — |
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| Synchrony Segment | 1,065 | 1,177 | -9.5% |
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| Interest Expense Operating | 1,065 | 1,177 | -9.5% |
| Interest Income Expense Net (Q) | — | — | — |
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| Synchrony Segment | 4,521 | 4,405 | +2.6% |
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| Interest Income Expense Net | 4,521 | 4,405 | +2.6% |
| Retailer Share Arrangements (Q) | — | — | — |
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| Synchrony Segment | -992 | -810 | -22.5% |
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| Retailer Share Arrangements | -992 | -810 | -22.5% |
| Provision For Loan Losses Expensed (Q) | — | — | — |
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| Provision For Loan Losses Expensed | 1,146 | 1,691 | -32.2% |
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| Variable Interest Entity Primary Beneficiary | 260 | 257 | +1.2% |
| Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss (Q) | — | — | — |
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| Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss | 2,383 | 1,904 | +25.2% |
| Noninterest Income Interchange Revenue (Q) | — | — | — |
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| Noninterest Income Interchange Revenue | 268 | 263 | +1.9% |
| Noninterest Income Debt Cancellation Fees (Q) | — | — | — |
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| Noninterest Income Debt Cancellation Fees | 144 | 125 | +15.2% |
| Noninterest Expense Loyalty Programs (Q) | — | — | — |
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| Noninterest Expense Loyalty Programs | -360 | -346 | -4.0% |
| Noninterest Income Other Operating Income (Q) | — | — | — |
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| Noninterest Income Other Operating Income | 66 | 75 | -12.0% |
| Noninterest Income (Q) | — | — | — |
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| Synchrony Segment | 118 | 117 | +0.9% |
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| Noninterest Income | 118 | 117 | +0.9% |
| Labor And Related Expense (Q) | — | — | — |
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| Synchrony Segment | 509 | 434 | +17.3% |
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| Labor And Related Expense | 509 | 434 | +17.3% |
| Professional Fees (Q) | — | — | — |
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| Synchrony Segment | 236 | 236 | 0.0% |
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| Professional Fees | 236 | 236 | 0.0% |
| Marketingand Business Development Expense (Q) | — | — | — |
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| Synchrony Segment | 127 | 129 | -1.6% |
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| Marketingand Business Development Expense | 127 | 129 | -1.6% |
| Information Technology And Data Processing (Q) | — | — | — |
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| Synchrony Segment | 215 | 207 | +3.9% |
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| Information Technology And Data Processing | 215 | 207 | +3.9% |
| Other Noninterest Expense (Q) | — | — | — |
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| Other Noninterest Expense | 158 | 171 | -7.6% |
| Noninterest Expense (Q) | — | — | — |
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| Synchrony Segment | 1,245 | 1,177 | +5.8% |
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| Noninterest Expense | 1,245 | 1,177 | +5.8% |
| Income Before Taxes (Q) | — | — | — |
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| Income Before Taxes | 1,256 | 844 | +48.8% |
| Income Tax Expense (Benefit) (Q) | — | — | — |
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| Synchrony Segment | 289 | 201 | +43.8% |
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| Income Tax Expense (Benefit) | 289 | 201 | +43.8% |
| Net Income (Q) | — | — | — |
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| Synchrony Segment | 967 | 643 | +50.4% |
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| Retained Earnings | 967 | 643 | +50.4% |
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| Net Income | 967 | 643 | +50.4% |
| Net Income Loss Available To Common Stockholders Basic (Q) | — | — | — |
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| Net Income Loss Available To Common Stockholders Basic | 946 | 624 | +51.6% |
| EPS (Basic) (Q) | — | — | — |
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| EPS (Basic) | 2.51 | 1.56 | +60.9% |
| EPS (Diluted) (Q) | — | — | — |
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| EPS (Diluted) | 2.5 | 1.55 | +61.3% |
| Comprehensive Income (Q) | — | — | — |
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| Comprehensive Income | 975 | 639 | +52.6% |
| Other Comprehensive Income (Q) | — | — | — |
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| Accumulated Other Comprehensive Income | 8 | -4 | +300.0% |
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| Other Comprehensive Income | 8 | -4 | +300.0% |
| Wtd Avg Shares (Basic) (Q) | — | — | — |
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| Wtd Avg Shares (Basic) | 376.2 | 399.3 | -5.8% |
| Wtd Avg Shares (Diluted) (Q) | — | — | — |
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| Wtd Avg Shares (Diluted) | 379.1 | 402.6 | -5.8% |
| Preferred Stock Dividends Income Statement Impact (Q) | — | — | — |
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| Preferred Stock Dividends Income Statement Impact | -21 | -19 | -10.5% |
Balance Sheet
| Metric | Q2 2025 | Q2 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents (Q) | — | — | — |
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| Cash & Cash Equivalents | 19,457 | 18,632 | +4.4% |
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| Goodwill (Q) | — | — | — |
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| Goodwill | 1,274 | — | — |
| Intangible Assets (Q) | — | — | — |
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| Intangible Assets | 862 | 776 | +11.1% |
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| Computer Software Intangible Asset | 805 | 713 | +12.9% |
| Other Intangible Assets | 57 | 63 | -9.5% |
| Total Assets (Q) | — | — | — |
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| Total Assets | 120,505 | 120,489 | 0.0% |
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| Variable Interest Entity Primary Beneficiary | 20,073 | 18,338 | +9.5% |
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| Available For Sale Securities Debt Securities (Q) | — | — | — |
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| Fair Value Inputs Level2 · Asset Backed Securities | 782 | 1,239 | -36.9% |
| Fair Value Inputs Level2 · Residential Mortgage Backed Securities | 283 | 321 | -11.8% |
| Fair Value Inputs Level2 · US Government Corporations And Agencies Securities | 1,805 | 1,108 | +62.9% |
| Fair Value Inputs Level3 · Other Debt Securities | 9 | 8 | +12.5% |
| Fair Value Inputs Level3 · US States And Political Subdivisions | 26 | 17 | +52.9% |
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| Asset Backed Securities | 782 | 1,239 | -36.9% |
| Asset Backed Securities · Fair Value Measurements Recurring | 782 | 1,239 | -36.9% |
| Other Debt Securities | 9 | 8 | +12.5% |
| Other Debt Securities · Fair Value Measurements Recurring | 9 | 8 | +12.5% |
| Residential Mortgage Backed Securities | 283 | 321 | -11.8% |
| Residential Mortgage Backed Securities · Fair Value Measurements Recurring | 283 | 321 | -11.8% |
| US Government Corporations And Agencies Securities | 1,805 | 1,108 | +62.9% |
| US Government Corporations And Agencies Securities · Fair Value Measurements Recurring | 1,805 | 1,108 | +62.9% |
| US States And Political Subdivisions | 26 | 17 | +52.9% |
| US States And Political Subdivisions · Fair Value Measurements Recurring | 26 | 17 | +52.9% |
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| Available For Sale Securities Debt Securities | 2,905 | 2,693 | +7.9% |
| Notes Receivable Gross (Q) | — | — | — |
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| Notes Receivable Gross | 99,776 | — | — |
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| Consolidated Entity Excluding Variable Interest Entities VIE | 78,566 | — | — |
| Variable Interest Entity Primary Beneficiary | 21,210 | — | — |
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| Federal Reserve Discount Window | 19.9 | — | — |
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| Commercial Portfolio Segment | 1,980 | — | — |
| Commercial Portfolio Segment · Financial Asset Past Due | 75 | — | — |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 38 | — | — |
| Commercial Portfolio Segment · Financing Receivables, 30 to 89 Days Past Due | 37 | — | — |
| Consumer Loan | 5,669 | — | — |
| Consumer Loan · Financial Asset Past Due | 143 | — | — |
| Consumer Loan · Financing Receivables Equal To Greater Than90 Days Past Due | 26 | — | — |
| Consumer Loan · Financing Receivables, 30 to 89 Days Past Due | 117 | — | — |
| Credit Card Receivables | 92,036 | — | — |
| Credit Card Receivables · Financial Asset Past Due | 3,955 | — | — |
| Credit Card Receivables · Financing Receivables Equal To Greater Than90 Days Past Due | 1,995 | — | — |
| Credit Card Receivables · Financing Receivables, 30 to 89 Days Past Due | 1,960 | — | — |
| Unallocated Financing Receivables | 91 | — | — |
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| Financial Asset Past Due | 4,173 | — | — |
| Financing Receivables Equal To Greater Than90 Days Past Due | 2,059 | — | — |
| Financing Receivables, 30 to 89 Days Past Due | 2,114 | — | — |
| Financing Receivable Allowance For Credit Losses (Q) | — | — | — |
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| Financing Receivable Allowance For Credit Losses | -10,564 | -10,982 | +3.8% |
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| Variable Interest Entity Primary Beneficiary | -1.9 | — | — |
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| Commercial Portfolio Segment | -112 | -123 | +8.9% |
| Consumer Loan | -545 | -602 | +9.5% |
| Credit Card Receivables | -9,906 | -10,255 | +3.4% |
| Unallocated Financing Receivables | -1 | -2 | +50.0% |
| Notes Receivable Net (Q) | — | — | — |
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| Notes Receivable Net | 89,212 | 91,302 | -2.3% |
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| Variable Interest Entity Primary Beneficiary | 19,346 | 18,292 | +5.8% |
| Loans Receivable Held For Sale Amount (Q) | — | — | — |
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| Loans Receivable Held For Sale Amount | 191 | — | — |
| Other Assets (Q) | — | — | — |
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| Other Assets | 6,604 | — | — |
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| Variable Interest Entity Primary Beneficiary | 727 | — | — |
| Non-Current Liabilities | |||
| Long-Term Debt (Q) | — | — | — |
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| Long-Term Debt | 16,009 | 15,637 | +2.4% |
| Total Liabilities (Q) | — | — | — |
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| Total Liabilities | 103,553 | 104,949 | -1.3% |
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| Variable Interest Entity Primary Beneficiary | 8,368 | 7,545 | +10.9% |
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| Interest Bearing Deposit Liabilities (Q) | — | — | — |
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| Interest Bearing Deposit Liabilities | 81,857 | 82,708 | -1.0% |
| Noninterest Bearing Deposit Liabilities (Q) | — | — | — |
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| Noninterest Bearing Deposit Liabilities | 405 | 392 | +3.3% |
| Deposits (Q) | — | — | — |
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| Deposits | 82,262 | 83,100 | -1.0% |
| Secured Debt (Q) | — | — | — |
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| Fixed Securitized Borrowings · Variable Interest Entity Primary Beneficiary | 5,415 | 4,167 | +29.9% |
| Floating Securitized Borrowings · Variable Interest Entity Primary Beneficiary | 2,925 | 3,350 | -12.7% |
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| Variable Interest Entity Primary Beneficiary | 8,340 | 7,517 | +10.9% |
| Accrued Liabilities And Other Liabilities (Q) | — | — | — |
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| Accrued Liabilities And Other Liabilities | 5,282 | 6,212 | -15.0% |
| Stockholders' Equity | |||
| Preferred Stock Value (Q) | — | — | — |
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| Preferred Stock Value | 1,222 | — | — |
| Common Stock (Q) | — | — | — |
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| Common Stock | 1 | 1 | 0.0% |
| Additional Paid-In Capital (Q) | — | — | — |
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| Additional Paid-In Capital | 9,836 | 9,793 | +0.4% |
| Retained Earnings (Q) | — | — | — |
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| Retained Earnings | 23,036 | 20,310 | +13.4% |
| Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax (Q) | — | — | — |
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| Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax | -12 | -34 | +64.7% |
| Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax (Q) | — | — | — |
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| Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax | -40 | -42 | +4.8% |
| Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax (Q) | — | — | — |
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| Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax | 7 | 3 | +133.3% |
| Treasury Stock Value (Q) | — | — | — |
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| Treasury Stock Value | -17,098 | -15,713 | -8.8% |
| Total Stockholders' Equity (Q) | — | — | — |
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| Accumulated Other Comprehensive Income | -45 | -73 | +38.4% |
| Additional Paid In Capital | 9,836 | 9,793 | +0.4% |
| Common Stock | 1 | 1 | 0.0% |
| Preferred Stock | 1,222 | 1,222 | 0.0% |
| Retained Earnings | 23,036 | 20,310 | +13.4% |
| Treasury Stock Common | -17,098 | -15,713 | -8.8% |
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| Total Stockholders' Equity | 16,952 | 15,540 | +9.1% |
| Total Liabilities & Equity (Q) | — | — | — |
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| Total Liabilities & Equity | 120,505 | 120,489 | 0.0% |
| Senior Notes (Q) | — | — | — |
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| Senior Notes | 7,669 | 8,120 | -5.6% |
Cash Flow Statement
| Metric | YTD Q2 2025 | YTD Q2 2024 | YoY |
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| Operating Activities | |||
| Deferred Income Taxes (YTD) | — | — | — |
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| Deferred Income Taxes | 31 | -8 | +487.5% |
| Depreciation & Amortization (YTD) | — | — | — |
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| Depreciation & Amortization | 247 | 240 | +2.9% |
| Increase Decreasein Interestand Fee Receivable (YTD) | — | — | — |
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| Increase Decreasein Interestand Fee Receivable | -65 | 209 | -131.1% |
| Increase Decrease In Other Operating Assets (YTD) | — | — | — |
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| Increase Decrease In Other Operating Assets | -9 | -120 | +92.5% |
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities (YTD) | — | — | — |
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| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | -85 | -239 | +64.4% |
| Increase Decrease In Other Operating Capital Net (YTD) | — | — | — |
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| Increase Decrease In Other Operating Capital Net | 280 | 208 | +34.6% |
| Net Cash from Operations (YTD) | — | — | — |
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| Net Cash from Operations | 4,760 | 4,732 | +0.6% |
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| Proceeds From Sale And Maturity Of Available For Sale Securities (YTD) | — | — | — |
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| Proceeds From Sale And Maturity Of Available For Sale Securities | 1,205 | 2,196 | -45.1% |
| Purchases of Investments (YTD) | — | — | — |
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| Purchases of Investments | -1,006 | -1,047 | +3.9% |
| Payments For Proceeds From Loans And Leases (YTD) | — | — | — |
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| Payments For Proceeds From Loans And Leases | 1,607 | -1,092 | +247.2% |
| Other Investing Activities (YTD) | — | — | — |
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| Other Investing Activities | -444 | -322 | -37.9% |
| Net Cash from Investing (YTD) | — | — | — |
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| Net Cash from Investing | 1,362 | -1,709 | +179.7% |
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| Proceeds From Issuance Of Secured Debt (YTD) | — | — | — |
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| Proceeds From Issuance Of Secured Debt | 1,495 | 947 | +57.9% |
| Repayments Of Secured Debt (YTD) | — | — | — |
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| Repayments Of Secured Debt | -1,000 | -700 | -42.9% |
| Proceeds From Issuance Of Unsecured Debt (YTD) | — | — | — |
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| Proceeds From Issuance Of Unsecured Debt | 794 | — | — |
| Repayments Of Unsecured Debt (YTD) | — | — | — |
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| Repayments Of Unsecured Debt | -750 | -600 | -25.0% |
| Payments Of Dividends Preferred Stock And Preference Stock (YTD) | — | — | — |
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| Payments Of Dividends Preferred Stock And Preference Stock | -42 | -30 | -40.0% |
| Increase Decrease In Deposits (YTD) | — | — | — |
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| Increase Decrease In Deposits | 195 | 1,938 | -89.9% |
| Share Repurchases (YTD) | — | — | — |
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| Share Repurchases | -1,109 | -605 | -83.3% |
| Payments Of Dividends Common Stock (YTD) | — | — | — |
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| Payments Of Dividends Common Stock | -211 | -202 | -4.5% |
| Proceeds From Payments For Other Financing Activities (YTD) | — | — | — |
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| Proceeds From Payments For Other Financing Activities | -70 | 1 | -7100.0% |
| Net Cash from Financing (YTD) | — | — | — |
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| Net Cash from Financing | -698 | 1,237 | -156.4% |
| Other Cash Flow | |||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect (YTD) | — | — | — |
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| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect | 5,424 | 4,260 | +27.3% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents (Q) | — | — | — |
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| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 20,179 | 18,680 | +8.0% |
| Restricted Cash And Equivalents Included In Other Assets (Q) | — | — | — |
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| Restricted Cash And Equivalents Included In Other Assets | 722 | 48 | +1404.2% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.