Synchrony Financial

SYF 10-K · Q4 2025
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Income Statement

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Income Statement
Metric Q4 2025 Q4 2024 YoY
Interest And Fee Income Loans And Leases 5,548 5,480 +1.2%
Show Business Segments breakouts
Synchrony Segment 5,548 5,480 +1.2%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 4,373.8 4,354.8 +0.4%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Commercial Portfolio Segment 52 45 +15.6%
Consumer Loan 198 224 -11.6%
Credit Card Receivables 5,297 5,209 +1.7%
Unallocated Financing Receivables 1 2 -50.0%
Interestand Dividend Income Cashand Securities Operating 186 230 -19.1%
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Synchrony Segment 186 230 -19.1%
Interest Income Operating 5,734 5,710 +0.4%
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Synchrony Segment 5,734 5,710 +0.4%
Interest Expense Deposits 781 917 -14.8%
Interest Expense Borrowings (Q) — — —
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 104 104 0.0%
Interest Expense Debt Operating 88 97 -9.3%
Interest Expense Operating 973 1,118 -13.0%
Show Business Segments breakouts
Synchrony Segment 973 1,118 -13.0%
Interest Income Expense Net 4,761 4,592 +3.7%
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Synchrony Segment 4,761 4,592 +3.7%
Retailer Share Arrangements -1,094 -919 -19.0%
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Synchrony Segment -1,094 -919 -19.0%
Provision For Loan Losses Expensed 1,442 1,561 -7.6%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 371 210 +76.7%
Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss 2,225 2,112 +5.4%
Noninterest Income Interchange Revenue 289 266 +8.6%
Noninterest Expense Loyalty Programs -399 -371 -7.5%
Noninterest Income Other Operating Income 80 82 -2.4%
Noninterest Income 126 128 -1.6%
Show Business Segments breakouts
Synchrony Segment 126 128 -1.6%
Labor And Related Expense 575 478 +20.3%
Show Business Segments breakouts
Synchrony Segment 575 478 +20.3%
Professional Fees 243 249 -2.4%
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Synchrony Segment 243 249 -2.4%
Marketingand Business Development Expense 148 147 +0.7%
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Synchrony Segment 148 147 +0.7%
Information Technology And Data Processing 239 207 +15.5%
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Synchrony Segment 239 207 +15.5%
Other Noninterest Expense 194 186 +4.3%
Noninterest Expense 1,399 1,267 +10.4%
Show Business Segments breakouts
Synchrony Segment 1,399 1,267 +10.4%
Income Before Taxes 952 973 -2.2%
Income Tax Expense (Benefit) 201 199 +1.0%
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Synchrony Segment 201 199 +1.0%
Net Income 751 774 -3.0%
Show Business Segments breakouts
Synchrony Segment 751 774 -3.0%
Net Income Loss Available To Common Stockholders Basic 730 753 -3.1%
EPS (Basic) 2.09 1.93 +8.3%
EPS (Diluted) 2.06 1.9 +8.4%
Comprehensive Income 749 765 -2.1%
Other Comprehensive Income -2 -9 +77.8%
Wtd Avg Shares (Basic) -5.8 -2.2 -163.6%
Wtd Avg Shares (Diluted) -5.5 -1.8 -205.6%
Preferred Stock Dividends Income Statement Impact -21 -21 0.0%

Balance Sheet

Balance Sheet
Metric Q4 2025 Q4 2024 YoY
Current Assets
Cash & Cash Equivalents 14,973 14,711 +1.8%
Show Consolidated Entities breakouts
Parent Company 2,465 2,680 -8.0%
Non-Current Assets
Goodwill 1,363 1,274 +7.0%
Show Consolidated Entities breakouts
Parent Company 62 30 +106.7%
Intangible Assets 1,255 854 +47.0%
Show Finite Lived Intangible Assets By Major Class breakouts
Computer Software Intangible Asset 1,151 792 +45.3%
Other Intangible Assets 104 62 +67.7%
Total Assets 119,095 119,463 -0.3%
Show Consolidated Entities breakouts
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%
Show Fair Value Hierarchy breakouts
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%
Show Financial Instrument breakouts
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%
Show Consolidated Entities breakouts
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%
Show Counterparty Name breakouts
Federal Reserve Discount Window 18.3 20.7 -11.6%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
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%
Show Financing Receivables Period Past Due breakouts
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%
Show Investment Type breakouts
Unsecuritized Loans Held for Investment 81,408 83,382 -2.4%
Financing Receivable Allowance For Credit Losses -10,442 -10,929 +4.5%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary -1.9 -1.9 0.0%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
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%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 20,457 19,439 +5.2%
Other Assets 5,790 5,753 +0.6%
Show Consolidated Entities breakouts
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%
Show Consolidated Entities breakouts
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) — — —
Show Debt Instrument breakouts
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%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 8,415 7,842 +7.3%
Accrued Liabilities And Other Liabilities 6,003 5,359 +12.0%
Show Consolidated Entities breakouts
Parent Company 619 576 +7.5%
Stockholders' Equity
Preferred Stock Value 1,222 1,222 0.0%
Show Statement Class Of Stock breakouts
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%
Show Equity Components breakouts
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%
Show Consolidated Entities breakouts
Parent Company 16,766 16,580 +1.1%
Total Liabilities & Equity 119,095 119,463 -0.3%
Show Consolidated Entities breakouts
Parent Company 23,770 23,630 +0.6%
Senior Notes 6,767 7,620 -11.2%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q4 2025 YTD Q4 2024 YoY
Operating Activities
Deferred Income Taxes 13 -18 +172.2%
Depreciation & Amortization 139 120 +15.8%
Increase Decreasein Interestand Fee Receivable -327 -197 -66.0%
Increase Decrease In Other Operating Assets 9 -112 +108.0%
Increase Decrease In Accrued Liabilities And Other Operating Liabilities 248 71 +249.3%
Increase Decrease In Other Operating Capital Net 179 154 +16.2%
Net Cash from Operations 2,454 2,353 +4.3%
Investing Activities
Proceeds From Sale And Maturity Of Available For Sale Securities 381 655 -41.8%
Purchases of Investments -10 -1,389 +99.3%
Payments For Proceeds From Loans And Leases -4,789 -4,031 -18.8%
Other Investing Activities -63 -198 +68.2%
Net Cash from Investing -4,642 -4,963 +6.5%
Financing Activities
Proceeds From Issuance Of Secured Debt 747 0 —
Repayments Of Secured Debt 0 -175 +100.0%
Proceeds From Issuance Of Unsecured Debt 0 0 —
Repayments Of Unsecured Debt 0 0 —
Payments Of Dividends Preferred Stock And Preference Stock -21 -21 0.0%
Increase Decrease In Deposits 1,256 -241 +621.2%
Share Repurchases -962 -101 -852.5%
Payments Of Dividends Common Stock -106 -97 -9.3%
Proceeds From Payments For Other Financing Activities 4 18 -77.8%
Net Cash from Financing 918 -617 +248.8%
Other Cash Flow
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect -1,270 -3,227 +60.6%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents (Q) — — —
Show Consolidated Entities breakouts
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.

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