Synchrony Financial

Financial Services · Credit Services

71.80$ +0.4% vs. previous close Closing price · As of: Oct 2, 2026

Statements

Balance Sheet

Synchrony Financial (SYF) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (Q2 26), "Total Assets" came in at 121,930 million USD. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size %

Last 12 Full history

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All figures in millions of USD.

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Balance Sheet SYF
Line item	Q3 16	Q4 16	Q1 17	Q2 17	Q3 17	Q4 17	Q1 18	Q2 18	Q3 18	Q4 18	Q1 19	Q2 19	Q3 19	Q4 19	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22	Q4 22	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Total Assets	87,159	90,207	89,050	91,140	92,548	95,808	95,559	99,122	104,545	106,792	105,384	106,388	105,943	104,826	98,038	96,544	95,658	95,948	95,854	92,017	91,937	95,748	95,267	95,200	100,766	104,564	107,853	108,697	112,939	117,479	121,173	120,489	119,229	119,463	122,026	120,505	116,984	119,095	121,501	121,930
Current Assets	13,588	9,321	11,392	12,020	13,915	11,602	13,044	15,675	12,068	15,458	18,469	17,902	16,045	12,147	13,704	22,967	21,984	18,993	23,170	11,117	9,806	8,337	15,218	10,682	11,962	10,294	15,303	12,706	103,340	18,058	23,026	21,325	20,279	17,790	24,353	22,362	18,961	17,321	110,216	16,193
Cash	13,588	9,321	11,392	12,020	13,915	11,602	13,044	15,675	12,068	9,396	12,963	11,755	11,461	12,147	13,704	16,344	13,552	11,524	16,620	11,117	9,806	8,337	10,541	10,682	11,962	10,294	15,303	12,706	15,643	14,259	20,021	18,632	17,934	14,711	21,629	19,457	16,245	14,973	20,559	16,193
Cash & Short-Term Investments	13,588	9,321	11,392	12,020	13,915	11,602	13,044	15,675	12,068	15,458	18,469	17,902	16,045	12,147	13,704	22,967	21,984	18,993	23,170	11,117	9,806	8,337	15,218	10,682	11,962	10,294	15,303	12,706	15,643	18,058	23,026	21,325	20,279	17,790	24,353	22,362	18,961	17,321	20,559	16,193
Receivables	66,529	71,993	68,674	70,457	71,567	76,373	72,115	73,020	81,298	86,712	74,463	75,987	77,600	81,613	73,294	68,511	68,375	71,602	66,957	69,351	67,772	72,052	70,265	72,052	3.0	3.0	82,943	84,997	87,697	92,417	90,828	91,302	91,164	–	88,780	–	89,805	–	89,657	91,896
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	-61,370	11,962	10,294	-67,640	-72,291	15,643	-78,158	-70,807	18,632	17,934	–	–	–	–	–	–	–
Property, Plant & Equipment	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Goodwill	949	949	992	991	991	991	991	1,024	1,024	1,024	1,076	1,078	1,078	1,078	1,078	1,078	1,078	1,078	1,104	1,105	1,105	1,105	1,105	1,105	1,105	1,105	1,105	1,105	1,105	1,018	1,073	1,274	1,274	1,274	1,274	1,274	1,274	1,363	1,363	1,363
Intangible Assets	733	712	826	787	772	749	780	863	1,105	1,137	1,259	1,215	1,177	1,265	1,208	1,166	1,091	1,125	1,169	1,098	1,090	1,168	1,149	1,118	1,033	742	1,297	1,226	1,169	815	800	776	765	854	847	862	909	1,255	1,223	152
Total Liabilities	73,178	76,011	74,687	76,808	78,146	81,574	81,203	84,664	90,549	92,114	90,675	91,654	90,823	89,738	86,068	84,645	83,559	83,247	82,415	77,820	78,001	82,093	81,849	81,807	87,754	91,691	94,660	95,317	99,172	103,576	105,891	104,949	103,249	102,883	105,445	103,553	99,919	102,329	105,024	105,033
Current Liabilities	3,196	3,809	2,888	3,214	3,793	4,086	3,618	3,932	4,491	68,118	68,784	70,410	70,460	4,508	4,205	68,576	67,788	67,472	67,255	4,522	4,888	5,088	68,489	4,941	5,029	3,902	5,301	5,321	3,975	4,225	83,554	83,100	82,284	82,062	83,435	82,262	79,886	81,144	82,894	4,350
Short-Term Debt	12,411	20,147	12,433	12,204	19,899	20,799	21,015	21,721	23,741	–	–	–	–	11,821	6,162	–	–	–	–	17	12	4.0	–	884	883	1,707	1,600	–	–	4,225	2,875	1,975	175	–	–	2,575	–	–	–	4,350
Accounts Payable	3,196	3,809	2,888	3,214	3,793	4,287	3,618	3,932	4,491	4,099	4,724	4,765	4,488	4,718	4,205	4,428	4,295	4,690	4,494	59,841	60,353	62,270	4,914	64,709	5,029	5,765	5,301	5,321	78,066	31	1,525	–	–	–	–	–	–	–	–	–
Long-Term Debt	20,167	20,147	20,194	20,709	19,899	20,799	21,015	21,721	23,741	23,996	21,891	21,244	20,363	19,866	17,248	16,069	15,771	15,775	15,160	13,457	12,760	14,507	13,360	12,157	14,321	14,191	14,934	14,231	15,231	15,982	16,133	15,637	15,632	15,462	17,009	16,009	14,431	15,182	16,428	16,432
Shareholders' Equity	13,981	14,196	14,363	14,332	14,402	14,234	14,356	14,458	13,996	14,678	14,709	14,734	15,120	15,088	11,970	11,899	12,099	12,701	13,439	14,197	13,936	13,655	13,418	13,393	13,012	12,873	13,193	13,380	13,767	13,903	15,282	15,540	15,980	16,580	16,581	16,952	17,065	16,766	16,477	16,897
Retained Earnings	4,861	5,330	5,724	6,109	6,543	6,809	7,334	7,906	8,355	8,986	9,939	10,627	11,533	12,117	9,960	9,852	10,024	10,621	11,470	12,560	13,562	14,245	15,003	15,679	16,252	16,716	17,369	17,828	18,338	18,662	19,790	20,310	20,975	21,635	22,209	23,036	23,978	24,598	25,210	25,968
Shares Outstanding	831	824	817	807	791	784	770	758	739	721	709	687	662	638	607	584	585	587	588	582	566	543	520	495	471	449	428	418	414	407	408	403	397	395	389	379	379	358	346	334

Showing the most recent 40 periods — older statements are on file for this stock.

Data as of: October 2, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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