Synchrony Financial (SYF.PB) balance sheet

SYF.PBNYSEFinance ServicesFiscal year ends December 31Also trades as SYF, SYF.PA

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 22, 2026Score 15/3048% below fair value

$25.73+0.07 (+0.27%)

Close on Nov 2, 2026Market cap $24.52BP/E 7.7Yield 1.53%

Synchrony Financial balance sheet

Annual Quarterly

Millions of USD, except per-share data. Shares in millions.

Line item	Q2 2026 2026-06-30	Q1 2026 2026-03-31	Q4 2025 2025-12-31	Q3 2025 2025-09-30	Q2 2025 2025-06-30	Q1 2025 2025-03-31	Q4 2024 2024-12-31	Q3 2024 2024-09-30	Q2 2024 2024-06-30	Q1 2024 2024-03-31	Q4 2023 2023-12-31	Q3 2023 2023-09-30	Q2 2023 2023-06-30	Q1 2023 2023-03-31	Q4 2022 2022-12-31	Q3 2022 2022-09-30	Q2 2022 2022-06-30	Q1 2022 2022-03-31	Q4 2021 2021-12-31	Q3 2021 2021-09-30	Q2 2021 2021-06-30	Q1 2021 2021-03-31	Q4 2020 2020-12-31	Q3 2020 2020-09-30	Q2 2020 2020-06-30	Q1 2020 2020-03-31	Q4 2019 2019-12-31	Q3 2019 2019-09-30	Q2 2019 2019-06-30	Q1 2019 2019-03-31	Q4 2018 2018-12-31	Q3 2018 2018-09-30	Q2 2018 2018-06-30	Q1 2018 2018-03-31	Q4 2017 2017-12-31	Q3 2017 2017-09-30	Q2 2017 2017-06-30	Q1 2017 2017-03-31	Q4 2016 2016-12-31	Q3 2016 2016-09-30
Cash & Equivalents	16,193	20,559	14,973	16,245	19,457	21,629	14,755	17,934	18,632	20,021	14,259	15,643	12,706	15,303	10,430	11,962	10,682	10,541	8,686	9,806	11,117	16,620	11,605	13,552	16,344	13,704	12,647	11,461	11,755	12,963	10,376	12,068	15,675	13,044	11,817	13,915	12,020	11,392	9,668	13,588
Cash & Short-Term Investments	16,193	20,559	14,973	16,245	19,457	21,629	14,755	17,934	18,632	20,021	14,259	15,643	12,706	15,303	10,430	11,962	10,682	10,541	8,686	9,806	11,117	16,620	11,605	13,552	16,344	13,704	12,647	11,461	11,755	12,963	10,376	12,068	15,675	13,044	11,817	13,915	12,020	11,392	9,668	13,588
Property, Plant & Equipment	1,217	–	1,248	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Equity Method Investments	841	–	834	–	–	–	816	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Goodwill	1,363	1,363	1,363	1,274	1,274	1,274	1,274	1,274	1,274	1,073	1,018	1,105	1,105	1,105	1,105	1,105	1,105	1,105	1,105	1,105	1,105	1,104	1,078	1,078	1,078	1,078	1,078	1,078	1,078	1,076	1,024	1,024	1,024	991	991	991	991	992	949	949
Intangible Assets	152	1,223	104	909	862	847	854	765	776	800	815	1,169	1,226	1,297	742	1,033	1,118	1,149	1,168	1,090	1,098	1,169	1,125	1,091	1,166	1,208	1,265	1,177	1,215	1,259	1,137	1,105	863	780	749	772	787	826	712	733
Deferred Tax Assets	2,051	–	2,078	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Total Assets	121,930	121,501	119,095	116,984	120,505	122,026	119,463	119,229	120,489	121,173	117,479	112,939	108,697	107,853	104,564	100,766	95,200	95,267	95,748	91,937	92,017	95,854	95,948	95,658	96,544	98,038	104,826	105,943	106,388	105,384	106,792	104,545	99,122	95,559	95,808	92,548	91,140	89,050	90,207	87,159
Total Liabilities	105,033	105,024	102,329	99,919	103,553	105,445	102,883	103,249	104,949	105,891	103,576	99,172	95,317	94,660	91,691	87,754	81,807	81,849	82,093	78,001	77,820	82,415	83,247	83,559	84,645	86,068	89,738	90,823	91,654	90,675	92,114	90,549	84,664	81,203	81,574	78,146	76,808	74,687	76,011	73,178
Preferred Stock	1,716	1,222	1,222	1,222	1,222	1,222	1,222	1,222	1,222	1,222	734	734	734	734	734	734	734	734	734	734	734	734	734	734	734	734	734	–	–	–	0	–	–	–	–	–	–	–	–	–
Common Stock	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Additional Paid-In Capital	9,876	9,844	9,902	9,866	9,836	9,804	9,853	9,822	9,793	9,768	9,775	9,750	9,727	9,705	9,718	9,685	9,663	9,643	9,669	9,649	9,620	9,592	9,570	9,552	9,532	9,523	9,537	9,520	9,500	9,489	9,482	9,470	9,486	9,470	9,445	9,429	9,415	9,405	9,393	9,381
Retained Earnings	25,968	25,210	24,598	23,978	23,036	22,209	21,635	20,975	20,310	19,790	18,662	18,338	17,828	17,369	16,716	16,252	15,679	15,003	14,245	13,562	12,560	11,470	10,621	10,024	9,852	9,960	12,117	11,533	10,627	9,939	8,986	8,355	7,906	7,334	6,809	6,543	6,109	5,724	5,330	4,861
Treasury Stock	-20,593	-19,744	-18,909	-17,956	-17,098	-16,602	-16,072	-15,990	-15,713	-15,430	-15,201	-14,960	-14,814	-14,514	-14,171	-13,473	-12,535	-11,842	-10,925	-9,946	-8,662	-8,302	-8,174	-8,181	-8,183	-8,199	-7,243	-5,890	-5,351	-4,664	-3,729	-3,731	-2,842	-2,363	-1,957	-1,531	-1,144	-712	-475	-238
Shareholders' Equity	16,897	16,477	16,766	17,065	16,952	16,581	16,580	15,980	15,540	15,282	13,903	13,767	13,380	13,193	12,873	13,012	13,393	13,418	13,655	13,936	14,197	13,439	12,701	12,099	11,899	11,970	15,088	15,120	14,734	14,709	14,678	13,996	14,458	14,356	14,234	14,402	14,332	14,363	14,196	13,981
Total Equity	16,897	16,477	16,766	17,065	16,952	16,581	16,580	15,980	15,540	15,282	13,903	13,767	13,380	13,193	12,873	13,012	13,393	13,418	13,655	13,936	14,197	13,439	12,701	12,099	11,899	11,970	15,088	15,120	14,734	14,709	14,678	13,996	14,458	14,356	14,234	14,402	14,332	14,363	14,196	13,981
Total Liabilities & Equity	121,930	121,501	119,095	116,984	120,505	122,026	119,463	119,229	120,489	121,173	117,479	112,939	108,697	107,853	104,564	100,766	95,200	95,267	95,748	91,937	92,017	95,854	95,948	95,658	96,544	98,038	104,826	105,943	106,388	105,384	106,792	104,545	99,122	95,559	95,808	92,548	91,140	89,050	90,207	87,159
Shares Outstanding(shares)	325	337	347	360	372	381	388	389	395	401	407	414	418	428	438	459	488	506	527	547	573	581	584	584	584	583	616	654	669	689	719	719	747	760	771	783	795	811	817	825
Loans, Net	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	69,351	66,957	71,602	68,375	68,511	73,294	81,613	77,600	75,987	74,463	86,712	81,298	73,020	72,115	76,373	71,567	70,457	68,674	71,993	66,529
Allowance for Credit Losses	10,312	10,428	10,442	10,373	10,564	10,828	10,929	11,029	10,982	10,905	10,571	10,176	9,804	9,517	9,527	9,102	8,808	8,651	8,688	8,616	9,023	9,901	10,265	10,146	9,802	9,175	8,623	5,607	5,809	5,942	6,427	6,223	5,859	5,738	5,574	5,361	5,001	4,676	4,344	4,115
Deposits	82,806	82,894	81,144	79,886	82,262	83,435	82,062	82,284	83,100	83,554	81,153	78,066	75,765	74,425	71,735	68,404	64,709	63,575	62,270	60,353	59,841	62,761	62,782	63,493	64,148	64,615	65,154	65,972	65,645	64,060	64,019	62,317	59,011	56,570	56,488	54,454	52,885	51,605	52,055	49,815

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 18.3%
Return on equity, FY2025: 21.3%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 7.7
Price to sales: 1.27
Price to book: 1.45
Dividend yield: 1.53%