Synchrony Financial (SYF) Financial Statements — Income, Balance Sheet, Cash Flow

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Financial Statements — SYF

Balance Sheet

(in billions USD)

Metric	Q2 2026	Q1 2026	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022	Q2 2022	Q1 2022	Q3 2021	Q2 2021	Q1 2021
Cash & Equivalents	16.19	20.56	16.25	19.46	21.63	17.93	18.63	20.02	15.64	12.71	15.30	11.96	10.68	10.54	9.81	11.12	16.62
Net Loans & Leases	91.90	89.66	89.81	89.21	88.78	91.16	91.30	90.83	87.70	85.00	81.61	76.91	73.87	70.27	67.77	--	--
Total Assets	121.93	121.50	116.98	120.51	122.03	119.23	120.49	121.17	112.94	108.70	107.85	100.77	95.20	95.27	91.94	92.02	95.85
Total Deposits	82.81	82.89	79.89	82.26	83.44	82.28	83.10	83.55	78.07	75.77	74.43	68.40	64.71	63.58	60.35	59.84	62.76
Long-term Debt	16.43	16.43	14.43	16.01	17.01	15.63	15.64	16.13	15.23	14.23	14.93	14.32	12.16	13.36	12.76	13.46	15.16
Total Liabilities	105.03	105.02	99.92	103.55	105.45	103.25	104.95	105.89	99.17	95.32	94.66	87.75	81.81	81.85	78.00	77.82	82.42
Retained Earnings	25.97	25.21	23.98	23.04	22.21	20.98	20.31	19.79	18.34	17.83	17.37	16.25	15.68	15.00	13.56	12.56	11.47
Total Stockholder Equity	16.90	16.48	17.07	16.95	16.58	15.98	15.54	15.28	13.77	13.38	13.19	13.01	13.39	13.42	13.94	14.20	13.44

Income Statement

(in billions USD) (except per-share rows)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Interest Expense	--	--	--	--	--	--	--	--	--	1.16	1.08	0.99	0.90	0.74	0.60	0.41	0.27	0.23	0.22	0.24
Net Interest Income	4.61	4.64	4.76	4.72	4.52	4.46	4.59	4.61	4.41	4.41	4.47	4.36	4.12	4.05	4.11	3.93	3.80	3.79	3.83	3.66
Provision for Credit Losses	1.20	1.34	1.44	1.15	1.15	1.49	1.56	1.60	1.69	1.88	1.80	1.49	1.38	1.29	1.20	0.93	0.72	0.52	0.56	0.03
Non-interest Income	0.14	0.13	0.13	0.13	0.12	0.15	0.13	0.12	0.12	1.16	0.07	0.09	0.06	0.07	0.03	0.04	0.20	0.11	0.17	0.09
Non-interest Expense	1.33	1.32	1.40	1.25	1.25	1.24	1.27	1.19	1.18	1.21	1.32	1.15	1.17	1.12	1.15	1.06	1.08	1.04	1.12	0.96
Pretax Income	1.19	1.05	0.95	1.43	1.26	0.98	0.97	1.03	0.84	1.71	0.54	0.83	0.74	0.79	0.74	0.92	1.07	1.23	1.05	1.50
Tax Provision	0.30	0.24	0.20	0.35	0.29	0.23	0.20	0.24	0.20	0.42	0.10	0.21	0.17	0.19	0.16	0.22	0.26	0.30	0.23	0.36
Net Income	0.89	0.81	0.75	1.08	0.97	0.76	0.77	0.79	0.64	1.29	0.44	0.63	0.57	0.60	0.58	0.70	0.80	0.93	0.81	1.14
Basic EPS	2.61	2.29	2.07	2.89	2.51	1.91	1.95	1.96	1.56	3.17	1.04	1.49	1.32	1.36	1.31	1.48	1.61	1.79	1.51	2.02
Diluted EPS	2.59	2.27	2.03	2.86	2.50	1.89	1.92	1.94	1.55	3.14	1.04	1.48	1.32	1.35	1.31	1.47	1.60	1.77	1.49	2.00

Cash Flow Statement

(in billions USD)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Operating Cash Flow	2.42	2.18	2.45	2.64	2.56	2.20	2.35	2.76	2.48	2.25	2.32	2.48	1.91	1.89	1.85	1.63	1.82	1.40	2.00	1.82
Investing Cash Flow	(5.19)	1.52	(4.64)	(1.57)	(2.24)	3.60	(4.96)	(2.23)	(2.51)	0.80	(7.17)	(2.57)	(5.19)	0.69	(6.86)	(4.14)	(1.05)	1.82	(5.76)	(1.83)
Financing Cash Flow	(0.60)	1.88	0.92	(4.95)	(2.82)	2.12	(0.62)	(1.23)	(1.37)	2.60	3.47	3.03	0.22	2.91	2.38	4.78	(0.90)	(0.98)	2.55	(1.62)

Dividends Per Share

(USD)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Dividends Per Share	0.30	0.30	0.30	0.30	0.30	0.25	0.25	0.25	0.25	0.25	0.25	0.25	0.23	0.23	0.23	0.23	0.22	0.22	0.22	0.22