Synchrony Financial (SYF) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash & Short Term Investments | 20.56B | 17.32B | 18.96B | 22.36B | 24.35B | 17.79B | 20.28B | 21.32B | 23.03B | 18.06B | 18.52B | 17B | 19.31B | 15.17B | 17.04B | 15.69B | 15.22B | 13.62B | 15.25B | 16.84B |
| Cash & Due from Banks | 20.56B | 14.97B | 16.25B | 19.46B | 21.63B | 14.71B | 17.93B | 18.63B | 20.02B | 14.26B | 15.64B | 12.71B | 15.3B | 10.29B | 11.96B | 10.68B | 10.54B | 8.34B | 9.81B | 11.12B |
| Short Term Investments | 0 | 2.35B | 2.72B | 2.9B | 2.72B | 3.08B | 2.35B | 2.69B | 3B | 3.8B | 2.88B | 4.29B | 4.01B | 4.88B | 5.08B | 5.01B | 4.68B | 5.28B | 5.44B | 5.73B |
| Total Investments | 92.7B | 95.71B | 92.71B | 92.31B | 102.33B | 107.8B | 104.54B | 104.98B | 104.74B | 107.04B | 100.75B | 99.09B | 95.14B | 97.35B | 90.88B | 87.48B | 87.64B | 90.38B | 85.28B | 84.1B |
| Investments Growth % | -9.42% | -11.21% | -11.31% | -12.07% | -2.3% | 0.71% | 3.75% | 5.94% | 10.09% | 9.96% | 10.86% | 13.28% | 8.56% | 7.71% | 6.57% | 4.01% | 5.04% | 1.17% | -1.93% | -0.99% |
| Long-Term Investments | 92.7B | 93.37B | 90B | 89.4B | 99.61B | 104.72B | 102.19B | 102.28B | 101.73B | 103.24B | 97.87B | 94.8B | 91.13B | 92.47B | 85.8B | 82.47B | 82.96B | 85.1B | 79.84B | 78.37B |
| Accounts Receivables | 89.66B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 2.59B | 2.62B | 2.18B | 2.14B | 2.12B | 2.13B | 2.04B | 2.05B | 1.87B | 1.83B | 2.27B | 2.33B | 2.4B | 1.85B | 2.14B | 2.22B | 2.25B | 2.27B | 2.19B | 2.2B |
| Goodwill | 1.36B | 1.36B | 1.27B | 1.27B | 1.27B | 1.27B | 1.27B | 1.27B | 1.07B | 1.02B | 1.1B | 1.1B | 1.1B | 1.1B | 1.1B | 1.1B | 1.1B | 1.1B | 1.1B | 1.1B |
| Intangible Assets | 1.22B | 1.25B | 909M | 862M | 847M | 854M | 765M | 776M | 800M | 815M | 1.17B | 1.23B | 1.3B | 742M | 1.03B | 1.12B | 1.15B | 1.17B | 1.09B | 1.1B |
| PP&E (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | -92.7B | 5.79B | 5.84B | 6.6B | -4.06B | -5.18B | -5.28B | -5.17B | -5.46B | -5.66B | -5.73B | -5.43B | -4.99B | -4.93B | -4.21B | -5.18B | -5.17B | -5.25B | -5.35B | -5.41B |
| Total Current Assets | 110.22B | 17.32B | 18.96B | 22.36B | 24.35B | 17.79B | 20.28B | 21.32B | 23.03B | 18.06B | 18.52B | 17B | 19.31B | 15.17B | 17.04B | 15.69B | 15.22B | 13.62B | 15.25B | 16.84B |
| Total Non-Current Assets | 2.59B | 101.77B | 98.02B | 98.14B | 97.67B | 101.67B | 98.95B | 99.16B | 98.15B | 99.42B | 94.41B | 91.7B | 88.54B | 89.39B | 83.72B | 79.51B | 80.05B | 82.13B | 76.69B | 75.17B |
| Total Assets | 121.5B | 119.09B | 116.98B | 120.5B | 122.03B | 119.46B | 119.23B | 120.49B | 121.17B | 117.48B | 112.94B | 108.7B | 107.85B | 104.56B | 100.77B | 95.2B | 95.27B | 95.75B | 91.94B | 92.02B |
| Asset Growth % | -0.43% | -0.31% | -1.88% | 0.01% | 0.7% | 1.69% | 5.57% | 10.85% | 12.35% | 12.35% | 12.08% | 14.18% | 13.21% | 9.21% | 9.6% | 3.46% | -0.61% | -0.21% | -3.89% | -4.69% |
| Return on Assets (ROA) | 0.67% | 0.64% | 0.91% | 0.8% | 0.63% | 0.65% | 0.66% | 0.53% | 1.08% | 0.38% | 0.57% | 0.53% | 0.57% | 0.56% | 0.72% | 0.84% | 0.98% | 0.87% | 1.24% | 1.32% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 16.43B | 15.18B | 14.43B | 16.01B | 17.01B | 15.46B | 15.63B | 15.64B | 16.13B | 15.98B | 15.23B | 14.23B | 14.93B | 14.19B | 14.32B | 12.16B | 13.36B | 14.51B | 12.76B | 13.46B |
| Net Debt | -4.13B | 209M | -1.81B | -3.45B | -4.62B | 751M | -2.3B | -3B | -3.89B | 1.72B | -412M | 1.52B | -369M | 3.9B | 2.36B | 1.48B | 2.82B | 6.17B | 2.95B | 2.34B |
| Long-Term Debt | 16.43B | 15.18B | 14.43B | 16.01B | 17.01B | 15.46B | 15.63B | 15.64B | 16.13B | 15.98B | 15.23B | 14.23B | 14.93B | 14.19B | 14.32B | 12.16B | 13.36B | 14.51B | 12.76B | 13.46B |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 5.7B | 6B | 5.6B | 5.28B | 5B | 5.36B | 5.33B | 6.21B | 6.2B | 6.44B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 82.89B | 81.14B | 79.89B | 82.26B | 83.44B | 82.06B | 82.28B | 83.1B | 83.55B | 81.15B | 83.94B | 81.09B | 79.73B | 77.5B | 73.43B | 69.65B | 68.49B | 67.59B | 65.24B | 64.36B |
| Total Non-Current Liabilities | 22.13B | 21.18B | 20.03B | 21.29B | 22.01B | 20.82B | 20.96B | 21.85B | 22.34B | 22.42B | 15.23B | 14.23B | 14.93B | 14.19B | 14.32B | 12.16B | 13.36B | 14.51B | 12.76B | 13.46B |
| Total Liabilities | 105.02B | 102.33B | 99.92B | 103.55B | 105.44B | 102.88B | 103.25B | 104.95B | 105.89B | 103.58B | 99.17B | 95.32B | 94.66B | 91.69B | 87.75B | 81.81B | 81.85B | 82.09B | 78B | 77.82B |
| Total Equity | 16.48B | 16.77B | 17.07B | 16.95B | 16.58B | 16.58B | 15.98B | 15.54B | 15.28B | 13.9B | 13.77B | 13.38B | 13.19B | 12.87B | 13.01B | 13.39B | 13.42B | 13.65B | 13.94B | 14.2B |
| Equity Growth % | -0.63% | 1.12% | 6.79% | 9.09% | 8.5% | 19.25% | 16.07% | 16.14% | 15.83% | 8% | 5.8% | -0.1% | -1.68% | -5.73% | -6.63% | -5.66% | -0.16% | 7.51% | 15.18% | 19.31% |
| Equity / Assets (Capital Ratio) | 13.56% | 14.08% | 14.59% | 14.07% | 13.59% | 13.88% | 13.4% | 12.9% | 12.61% | 11.83% | 12.19% | 12.31% | 12.23% | 12.31% | 12.91% | 14.07% | 14.08% | 14.26% | 15.16% | 15.43% |
| Return on Equity (ROE) | 4.84% | 4.44% | 6.33% | 5.77% | 4.57% | 4.75% | 5.01% | 4.17% | 8.86% | 3.18% | 4.63% | 4.28% | 4.61% | 4.46% | 5.32% | 6% | 6.89% | 5.89% | 8.11% | 8.99% |
| Book Value per Share | 47.62 | 46.85 | 44.98 | 44.72 | 42.58 | 42.00 | 40.30 | 38.60 | 37.44 | 33.53 | 32.90 | 31.54 | 30.18 | 28.68 | 27.64 | 27.04 | 25.83 | 25.15 | 24.64 | 24.41 |
| Tangible BV per Share | 40.15 | 39.54 | 39.23 | 39.08 | 37.13 | 36.61 | 35.16 | 33.51 | 32.85 | 29.11 | 27.47 | 26.05 | 24.68 | 24.56 | 23.10 | 22.55 | 21.49 | 20.96 | 20.76 | 20.62 |
| Common Stock | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M |
| Additional Paid-in Capital | 9.84B | 8.95B | 9.87B | 9.84B | 9.8B | 9.85B | 9.82B | 9.79B | 9.77B | 9.78B | 9.75B | 9.73B | 9.71B | 9.72B | 9.69B | 9.66B | 9.64B | 9.67B | 9.65B | 9.62B |
| Retained Earnings | 25.21B | 24.6B | 23.98B | 23.04B | 22.21B | 21.64B | 20.98B | 20.31B | 19.79B | 18.66B | 18.34B | 17.83B | 17.37B | 16.72B | 16.25B | 15.68B | 15B | 14.24B | 13.56B | 12.56B |
| Accumulated OCI | -56M | -48M | -46M | -45M | -53M | -59M | -50M | -73M | -69M | -68M | -96M | -96M | -102M | -125M | -187M | -149M | -121M | -69M | -64M | -56M |
| Treasury Stock | -19.74B | -17.96B | -17.96B | -17.1B | -16.6B | -16.07B | -15.99B | -15.71B | -15.43B | -15.2B | -14.96B | -14.81B | -14.51B | -14.17B | -13.47B | -12.54B | -11.84B | -10.93B | -9.95B | -8.66B |
| Preferred Stock | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B | 734M | 734M | 734M | 734M | 734M | 734M | 734M | 734M | 734M | 734M | 734M |