Synchrony Financial

SYF 10-Q · Q1 2026
API behind this page

SYF Q1 2026 request

Playground key active
Request URL /api/financials?ticker=SYF&year=2026&quarter=1
waiting 0 ms 
Pick an endpoint and run the request.
curl

Income Statement

JSON CSV Excel
Income Statement
Metric Q1 2026 Q1 2025 YoY
Interest And Fee Income Loans And Leases 5,413 5,312 +1.9%
Show Business Segments breakouts
Synchrony Segment 5,413 5,312 +1.9%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 1,125 1,050 +7.1%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Commercial Portfolio Segment 72 45 +60.0%
Consumer Loan 188 211 -10.9%
Credit Card Receivables 5,152 5,055 +1.9%
Unallocated Financing Receivables 1 1 0.0%
Interestand Dividend Income Cashand Securities Operating 190 238 -20.2%
Show Business Segments breakouts
Synchrony Segment 190 238 -20.2%
Interest Income Operating 5,603 5,550 +1.0%
Show Business Segments breakouts
Synchrony Segment 5,603 5,550 +1.0%
Interest Expense Deposits 770 882 -12.7%
Interest Expense Debt Operating 92 100 -8.0%
Interest Expense Borrowings (Q) — — —
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 106 104 +1.9%
Interest Expense Operating 968 1,086 -10.9%
Show Business Segments breakouts
Synchrony Segment 968 1,086 -10.9%
Interest Income Expense Net 4,635 4,464 +3.8%
Show Business Segments breakouts
Synchrony Segment 4,635 4,464 +3.8%
Retailer Share Arrangements -1,070 -895 -19.6%
Show Business Segments breakouts
Synchrony Segment -1,070 -895 -19.6%
Provision For Loan Losses Expensed 1,335 1,491 -10.5%
Show Business Segments breakouts
Synchrony Segment 1,335 1,491 -10.5%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 241 202 +19.3%
Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss 2,230 2,078 +7.3%
Noninterest Income Interchange Revenue 264 238 +10.9%
Noninterest Income Protection Product Revenue 161 147 +9.5%
Noninterest Expense Loyalty Programs -361 -311 -16.1%
Noninterest Income Other Operating Income 69 75 -8.0%
Noninterest Income 133 149 -10.7%
Show Business Segments breakouts
Synchrony Segment 133 149 -10.7%
Labor And Related Expense 515 506 +1.8%
Show Business Segments breakouts
Synchrony Segment 515 506 +1.8%
Professional Fees 209 217 -3.7%
Show Business Segments breakouts
Synchrony Segment 209 217 -3.7%
Marketingand Business Development Expense 114 116 -1.7%
Show Business Segments breakouts
Synchrony Segment 114 116 -1.7%
Information Technology And Data Processing 262 219 +19.6%
Show Business Segments breakouts
Synchrony Segment 262 219 +19.6%
Other Noninterest Expense 216 185 +16.8%
Noninterest Expense 1,316 1,243 +5.9%
Show Business Segments breakouts
Synchrony Segment 1,316 1,243 +5.9%
Income Before Taxes 1,047 984 +6.4%
Income Tax Expense (Benefit) 242 227 +6.6%
Show Business Segments breakouts
Synchrony Segment 242 227 +6.6%
Net Income 805 757 +6.3%
Show Business Segments breakouts
Synchrony Segment 805 757 +6.3%
Show Equity Components breakouts
Retained Earnings 805 757 +6.3%
Net Income Loss Available To Common Stockholders Basic 784 736 +6.5%
EPS (Basic) 2.29 1.91 +19.9%
EPS (Diluted) 2.27 1.89 +20.1%
Comprehensive Income 797 763 +4.5%
Other Comprehensive Income -8 6 -233.3%
Show Equity Components breakouts
Accumulated Other Comprehensive Income -8 6 -233.3%
Wtd Avg Shares (Basic) 342.4 385.2 -11.1%
Wtd Avg Shares (Diluted) 346 389.4 -11.1%
Preferred Stock Dividends Income Statement Impact -21 -21 0.0%

Balance Sheet

Balance Sheet
Metric Q1 2026 Q1 2025 YoY
Current Assets
Cash & Cash Equivalents 20,559 21,629 -4.9%
Non-Current Assets
Goodwill 1,363 1,274 +7.0%
Intangible Assets 1,223 847 +44.4%
Show Finite Lived Intangible Assets By Major Class breakouts
Computer Software Intangible Asset 1,123 788 +42.5%
Other Intangible Assets 100 59 +69.5%
Total Assets 121,501 122,026 -0.4%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 19,747 19,632 +0.6%
Other Assets
Available For Sale Securities Debt Securities 3,040 2,724 +11.6%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level2 · Asset Backed Securities 526 896 -41.3%
Fair Value Inputs Level2 · Residential Mortgage Backed Securities 291 297 -2.0%
Fair Value Inputs Level2 · US Government Corporations And Agencies Securities 2,181 1,507 +44.7%
Fair Value Inputs Level3 · Other Debt Securities 8 8 0.0%
Fair Value Inputs Level3 · US States And Political Subdivisions 34 16 +112.5%
Show Financial Instrument breakouts
Asset Backed Securities 526 896 -41.3%
Asset Backed Securities · Fair Value Measurements Recurring 526 896 -41.3%
Other Debt Securities 8 8 0.0%
Other Debt Securities · Fair Value Measurements Recurring 8 8 0.0%
Residential Mortgage Backed Securities 291 297 -2.0%
Residential Mortgage Backed Securities · Fair Value Measurements Recurring 291 297 -2.0%
US Government Corporations And Agencies Securities 2,181 1,507 +44.7%
US Government Corporations And Agencies Securities · Fair Value Measurements Recurring 2,181 1,507 +44.7%
US States And Political Subdivisions 34 16 +112.5%
US States And Political Subdivisions · Fair Value Measurements Recurring 34 16 +112.5%
Notes Receivable Gross 100,085 99,608 +0.5%
Show Consolidated Entities breakouts
Consolidated Entity Excluding Variable Interest Entities VIE 78,423 79,186 -1.0%
Variable Interest Entity Primary Beneficiary 21,662 20,422 +6.1%
Show Counterparty Name breakouts
Federal Reserve Discount Window 20 20.5 -2.4%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Commercial Portfolio Segment 1,886 1,859 +1.5%
Commercial Portfolio Segment · Financial Asset Past Due 95 91 +4.4%
Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due 45 43 +4.7%
Commercial Portfolio Segment · Financing Receivables, 30 to 89 Days Past Due 50 48 +4.2%
Consumer Loan 5,357 5,736 -6.6%
Consumer Loan · Financial Asset Past Due 190 153 +24.2%
Consumer Loan · Financing Receivables Equal To Greater Than90 Days Past Due 46 32 +43.8%
Consumer Loan · Financing Receivables, 30 to 89 Days Past Due 144 121 +19.0%
Credit Card Receivables 92,764 91,909 +0.9%
Credit Card Receivables · Financial Asset Past Due 4,258 4,261 -0.1%
Credit Card Receivables · Financing Receivables Equal To Greater Than90 Days Past Due 2,193 2,210 -0.8%
Credit Card Receivables · Financing Receivables, 30 to 89 Days Past Due 2,065 2,051 +0.7%
Unallocated Financing Receivables 78 104 -25.0%
Show Financing Receivables Period Past Due breakouts
Financial Asset Past Due 4,543 4,505 +0.8%
Financing Receivables Equal To Greater Than90 Days Past Due 2,284 2,285 -0.0%
Financing Receivables, 30 to 89 Days Past Due 2,259 2,220 +1.8%
Financing Receivable Allowance For Credit Losses -10,428 -10,828 +3.7%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary -2 -1.8 -11.1%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Commercial Portfolio Segment -109 -110 +0.9%
Consumer Loan -614 -584 -5.1%
Credit Card Receivables -9,704 -10,133 +4.2%
Unallocated Financing Receivables -1 -1 0.0%
Notes Receivable Net 89,657 88,780 +1.0%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 19,702 18,579 +6.0%
Other Assets 5,659 6,772 -16.4%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 45 1,053 -95.7%
Non-Current Liabilities
Long-Term Debt 16,428 17,009 -3.4%
Total Liabilities 105,024 105,445 -0.4%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 8,942 8,618 +3.8%
Other Liabilities
Interest Bearing Deposit Liabilities 82,478 83,030 -0.7%
Noninterest Bearing Deposit Liabilities 416 405 +2.7%
Deposits 82,894 83,435 -0.6%
Secured Debt (Q) — — —
Show Debt Instrument breakouts
Fixed Securitized Borrowings · Variable Interest Entity Primary Beneficiary 5,990 5,666 +5.7%
Floating Securitized Borrowings · Variable Interest Entity Primary Beneficiary 2,925 2,925 0.0%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 8,915 8,591 +3.8%
Accrued Liabilities And Other Liabilities 5,702 5,001 +14.0%
Stockholders' Equity
Preferred Stock Value 1,222 1,222 0.0%
Common Stock 1 1 0.0%
Additional Paid-In Capital 9,844 9,804 +0.4%
Retained Earnings 25,210 22,209 +13.5%
Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax -12 -15 +20.0%
Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax -52 -45 -15.6%
Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax 8 7 +14.3%
Treasury Stock Value -19,744 -16,602 -18.9%
Total Stockholders' Equity 16,477 16,581 -0.6%
Show Equity Components breakouts
Accumulated Other Comprehensive Income -56 -53 -5.7%
Additional Paid In Capital 9,844 9,804 +0.4%
Common Stock 1 1 0.0%
Preferred Stock 1,222 1,222 0.0%
Retained Earnings 25,210 22,209 +13.5%
Treasury Stock Common -19,744 -16,602 -18.9%
Total Liabilities & Equity 121,501 122,026 -0.4%
Senior Notes 7,513 8,418 -10.8%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q1 2026 YTD Q1 2025 YoY
Operating Activities
Deferred Income Taxes 28 54 -48.1%
Depreciation & Amortization 143 125 +14.4%
Increase Decrease In Other Operating Capital Net 206 128 +60.9%
Increase Decreasein Interestand Fee Receivable -124 -33 -275.8%
Increase Decrease In Other Operating Assets 102 1 +10100.0%
Increase Decrease In Accrued Liabilities And Other Operating Liabilities -312 -323 +3.4%
Net Cash from Operations 2,183 2,200 -0.8%
Investing Activities
Proceeds From Sale And Maturity Of Available For Sale Securities 500 855 -41.5%
Purchases of Investments -1,190 -480 -147.9%
Payments For Proceeds From Loans And Leases 2,358 3,428 -31.2%
Other Investing Activities -144 -200 +28.0%
Net Cash from Investing 1,524 3,603 -57.7%
Financing Activities
Proceeds From Issuance Of Secured Debt 498 747 -33.3%
Proceeds From Issuance Of Unsecured Debt 745 796 -6.4%
Payments Of Dividends Preferred Stock And Preference Stock -21 -21 0.0%
Increase Decrease In Deposits 1,748 1,370 +27.6%
Share Repurchases -900 -605 -48.8%
Payments Of Dividends Common Stock -104 -97 -7.2%
Proceeds From Payments For Other Financing Activities -87 -71 -22.5%
Net Cash from Financing 1,879 2,119 -11.3%
Other Cash Flow
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect 5,586 7,922 -29.5%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 20,603 22,677 -9.1%
Restricted Cash And Equivalents Included In Other Assets 44 1,048 -95.8%

Values in millions USD. Source: SEC EDGAR 10-Q filing.

This table is rendered from the same JSON returned by /api/financials.

Get API Key