Synchrony Financial
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SYF Q3 2025 request
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| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases | 5,510 | 5,522 | -0.2% |
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| Synchrony Segment | 5,510 | 5,522 | -0.2% |
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| Variable Interest Entity Primary Beneficiary | 1.1 | 1.2 | -8.3% |
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| Commercial Portfolio Segment | 46 | 46 | 0.0% |
| Consumer Loan | 208 | 238 | -12.6% |
| Credit Card Receivables | 5,255 | 5,236 | +0.4% |
| Unallocated Financing Receivables | 1 | 2 | -50.0% |
| Interestand Dividend Income Cashand Securities Operating | 221 | 263 | -16.0% |
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| Synchrony Segment | 221 | 263 | -16.0% |
| Interest Income Operating | 5,731 | 5,785 | -0.9% |
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| Synchrony Segment | 5,731 | 5,785 | -0.9% |
| Interest Expense Deposits | 812 | 968 | -16.1% |
| Interest Expense Debt Operating | 94 | 100 | -6.0% |
| Interest Expense Borrowings (Q) | — | — | — |
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| Variable Interest Entity Primary Beneficiary | 105 | 108 | -2.8% |
| Interest Expense Operating | 1,011 | 1,176 | -14.0% |
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| Synchrony Segment | 1,011 | 1,176 | -14.0% |
| Interest Income Expense Net | 4,720 | 4,609 | +2.4% |
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| Synchrony Segment | 4,720 | 4,609 | +2.4% |
| Retailer Share Arrangements | -1,024 | -914 | -12.0% |
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| Synchrony Segment | -1,024 | -914 | -12.0% |
| Provision For Loan Losses Expensed | 1,146 | 1,597 | -28.2% |
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| Variable Interest Entity Primary Beneficiary | 140 | 331 | -57.7% |
| Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss | 2,550 | 2,098 | +21.5% |
| Noninterest Income Interchange Revenue | 272 | 256 | +6.2% |
| Noninterest Income Debt Cancellation Fees | 149 | 145 | +2.8% |
| Noninterest Expense Loyalty Programs | -368 | -346 | -6.4% |
| Noninterest Income Other Operating Income | 74 | 64 | +15.6% |
| Noninterest Income | 127 | 119 | +6.7% |
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| Synchrony Segment | 127 | 119 | +6.7% |
| Labor And Related Expense | 503 | 464 | +8.4% |
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| Synchrony Segment | 503 | 464 | +8.4% |
| Professional Fees | 240 | 231 | +3.9% |
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| Synchrony Segment | 240 | 231 | +3.9% |
| Marketingand Business Development Expense | 120 | 123 | -2.4% |
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| Synchrony Segment | 120 | 123 | -2.4% |
| Information Technology And Data Processing | 226 | 203 | +11.3% |
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| Synchrony Segment | 226 | 203 | +11.3% |
| Other Noninterest Expense | 159 | 168 | -5.4% |
| Noninterest Expense | 1,248 | 1,189 | +5.0% |
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| Synchrony Segment | 1,248 | 1,189 | +5.0% |
| Income Before Taxes | 1,429 | 1,028 | +39.0% |
| Income Tax Expense (Benefit) | 352 | 239 | +47.3% |
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| Synchrony Segment | 352 | 239 | +47.3% |
| Net Income | 1,077 | 789 | +36.5% |
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| Synchrony Segment | 1,077 | 789 | +36.5% |
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| Retained Earnings | 1,077 | 789 | +36.5% |
| Net Income Loss Available To Common Stockholders Basic | 1,057 | 768 | +37.6% |
| EPS (Basic) | 2.89 | 1.96 | +47.4% |
| EPS (Diluted) | 2.86 | 1.94 | +47.4% |
| Comprehensive Income | 1,076 | 812 | +32.5% |
| Other Comprehensive Income | -1 | 23 | -104.3% |
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| Accumulated Other Comprehensive Income | -1 | 23 | -104.3% |
| Wtd Avg Shares (Basic) | 365.9 | 392.3 | -6.7% |
| Wtd Avg Shares (Diluted) | 369.9 | 396.5 | -6.7% |
| Preferred Stock Dividends Income Statement Impact | -20 | -21 | +4.8% |
Balance Sheet
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 16,245 | 17,934 | -9.4% |
| Non-Current Assets | |||
| Goodwill | 1,274 | — | — |
| Intangible Assets | 909 | 765 | +18.8% |
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| Computer Software Intangible Asset | 845 | 701 | +20.5% |
| Other Intangible Assets | 64 | 64 | 0.0% |
| Total Assets | 116,984 | 119,229 | -1.9% |
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| Variable Interest Entity Primary Beneficiary | 19,226 | 19,293 | -0.3% |
| Other Assets | |||
| Available For Sale Securities Debt Securities | 2,716 | 2,345 | +15.8% |
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| Fair Value Inputs Level2 · Asset Backed Securities | 662 | 1,185 | -44.1% |
| Fair Value Inputs Level2 · Residential Mortgage Backed Securities | 312 | 316 | -1.3% |
| Fair Value Inputs Level2 · US Government Corporations And Agencies Securities | 1,707 | 819 | +108.4% |
| 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 | 662 | 1,185 | -44.1% |
| Asset Backed Securities · Fair Value Measurements Recurring | 662 | 1,185 | -44.1% |
| Other Debt Securities | 9 | 8 | +12.5% |
| Other Debt Securities · Fair Value Measurements Recurring | 9 | 8 | +12.5% |
| Residential Mortgage Backed Securities | 312 | 316 | -1.3% |
| Residential Mortgage Backed Securities · Fair Value Measurements Recurring | 312 | 316 | -1.3% |
| US Government Corporations And Agencies Securities | 1,707 | 819 | +108.4% |
| US Government Corporations And Agencies Securities · Fair Value Measurements Recurring | 1,707 | 819 | +108.4% |
| US States And Political Subdivisions | 26 | 17 | +52.9% |
| US States And Political Subdivisions · Fair Value Measurements Recurring | 26 | 17 | +52.9% |
| Notes Receivable Gross | 100,178 | — | — |
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| Consolidated Entity Excluding Variable Interest Entities VIE | 79,207 | — | — |
| Variable Interest Entity Primary Beneficiary | 20,971 | — | — |
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| Federal Reserve Discount Window | 18.7 | — | — |
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| Commercial Portfolio Segment | 1,961 | — | — |
| Commercial Portfolio Segment · Financial Asset Past Due | 76 | — | — |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 35 | — | — |
| Commercial Portfolio Segment · Financing Receivables, 30 to 89 Days Past Due | 41 | — | — |
| Consumer Loan | 5,584 | — | — |
| Consumer Loan · Financial Asset Past Due | 156 | — | — |
| Consumer Loan · Financing Receivables Equal To Greater Than90 Days Past Due | 30 | — | — |
| Consumer Loan · Financing Receivables, 30 to 89 Days Past Due | 126 | — | — |
| Credit Card Receivables | 92,550 | — | — |
| Credit Card Receivables · Financial Asset Past Due | 4,168 | — | — |
| Credit Card Receivables · Financing Receivables Equal To Greater Than90 Days Past Due | 2,063 | — | — |
| Credit Card Receivables · Financing Receivables, 30 to 89 Days Past Due | 2,105 | — | — |
| Unallocated Financing Receivables | 83 | — | — |
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| Financial Asset Past Due | 4,400 | — | — |
| Financing Receivables Equal To Greater Than90 Days Past Due | 2,128 | — | — |
| Financing Receivables, 30 to 89 Days Past Due | 2,272 | — | — |
| Financing Receivable Allowance For Credit Losses | -10,373 | -11,029 | +5.9% |
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| Variable Interest Entity Primary Beneficiary | -1.8 | — | — |
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| Commercial Portfolio Segment | -120 | -129 | +7.0% |
| Consumer Loan | -573 | -612 | +6.4% |
| Credit Card Receivables | -9,679 | -10,286 | +5.9% |
| Unallocated Financing Receivables | -1 | -2 | +50.0% |
| Notes Receivable Net | 89,805 | 91,164 | -1.5% |
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| Variable Interest Entity Primary Beneficiary | 19,182 | 19,246 | -0.3% |
| Loans Receivable Held For Sale Amount | 192 | — | — |
| Other Assets | 5,843 | — | — |
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| Variable Interest Entity Primary Beneficiary | 44 | — | — |
| Non-Current Liabilities | |||
| Long-Term Debt | 14,431 | 15,632 | -7.7% |
| Total Liabilities | 99,919 | 103,249 | -3.2% |
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| Variable Interest Entity Primary Beneficiary | 7,692 | 8,044 | -4.4% |
| Other Liabilities | |||
| Interest Bearing Deposit Liabilities | 79,513 | 81,901 | -2.9% |
| Noninterest Bearing Deposit Liabilities | 373 | 383 | -2.6% |
| Deposits | 79,886 | 82,284 | -2.9% |
| Secured Debt (Q) | — | — | — |
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| Fixed Securitized Borrowings · Variable Interest Entity Primary Beneficiary | 4,741 | 4,915 | -3.5% |
| Floating Securitized Borrowings · Variable Interest Entity Primary Beneficiary | 2,925 | 3,100 | -5.6% |
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| Variable Interest Entity Primary Beneficiary | 7,666 | 8,015 | -4.4% |
| Accrued Liabilities And Other Liabilities | 5,602 | 5,333 | +5.0% |
| Stockholders' Equity | |||
| Preferred Stock Value | 1,222 | — | — |
| Common Stock | 1 | 1 | 0.0% |
| Additional Paid-In Capital | 9,866 | 9,822 | +0.4% |
| Retained Earnings | 23,978 | 20,975 | +14.3% |
| Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax | -8 | -13 | +38.5% |
| Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax | -45 | -39 | -15.4% |
| Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax | 7 | 2 | +250.0% |
| Treasury Stock Value | -17,956 | -15,990 | -12.3% |
| Total Stockholders' Equity | 17,065 | 15,980 | +6.8% |
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| Accumulated Other Comprehensive Income | -46 | -50 | +8.0% |
| Additional Paid In Capital | 9,866 | 9,822 | +0.4% |
| Common Stock | 1 | 1 | 0.0% |
| Preferred Stock | 1,222 | 1,222 | 0.0% |
| Retained Earnings | 23,978 | 20,975 | +14.3% |
| Treasury Stock Common | -17,956 | -15,990 | -12.3% |
| Total Liabilities & Equity | 116,984 | 119,229 | -1.9% |
| Senior Notes | 6,765 | 7,617 | -11.2% |
Cash Flow Statement
| Metric | YTD Q3 2025 | YTD Q3 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Deferred Income Taxes | 171 | -80 | +313.8% |
| Depreciation & Amortization | 375 | 361 | +3.9% |
| Increase Decreasein Interestand Fee Receivable | -271 | 230 | -217.8% |
| Increase Decrease In Other Operating Assets | 114 | -5 | +2380.0% |
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | 66 | -192 | +134.4% |
| Increase Decrease In Other Operating Capital Net | 358 | 353 | +1.4% |
| Net Cash from Operations | 7,397 | 7,495 | -1.3% |
| Investing Activities | |||
| Proceeds From Sale And Maturity Of Available For Sale Securities | 1,571 | 2,961 | -46.9% |
| Purchases of Investments | -1,177 | -1,422 | +17.2% |
| Payments For Proceeds From Loans And Leases | 183 | -3,545 | +105.2% |
| Other Investing Activities | -789 | -490 | -61.0% |
| Net Cash from Investing | -212 | -3,940 | +94.6% |
| Financing Activities | |||
| Proceeds From Issuance Of Secured Debt | 1,495 | 1,694 | -11.7% |
| Repayments Of Secured Debt | -1,675 | -950 | -76.3% |
| Proceeds From Issuance Of Unsecured Debt | 1,788 | 745 | +140.0% |
| Repayments Of Unsecured Debt | -2,650 | -1,850 | -43.2% |
| Payments Of Dividends Preferred Stock And Preference Stock | -62 | -51 | -21.6% |
| Increase Decrease In Deposits | -2,182 | 1,120 | -294.8% |
| Share Repurchases | -1,979 | -907 | -118.2% |
| Payments Of Dividends Common Stock | -321 | -301 | -6.6% |
| Proceeds From Payments For Other Financing Activities | -67 | 18 | -472.2% |
| Net Cash from Financing | -5,653 | 6 | -94316.7% |
| Other Cash Flow | |||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect | 1,532 | 3,561 | -57.0% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 16,287 | 17,981 | -9.4% |
| Restricted Cash And Equivalents Included In Other Assets | 42 | 47 | -10.6% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.