Security
SYNCHRONY FINANCIAL · SYF
SYFNYSECommon stockCurrentCIK 1601712Updated Oct 23, 2026
Name history
Synchrony Financial · through Oct 22, 2026
SYF price & chart
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Recent filings
10-Q filing
Regulation FD Disclosure
Items 7.01, 9.01
Results of Operations and Financial Condition
Items 2.02, 9.01
4 filing
4 filing
Financials
FY 2025 · USDSource
Source
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 116,984,000,000Source | 119,229,000,000Source | 121,930,000,000Source | 120,505,000,000Source | 120,489,000,000Source | 121,501,000,000Source | 122,026,000,000Source | 121,173,000,000Source | 119,095,000,000Source | 119,463,000,000Source | 117,479,000,000Source | 104,564,000,000Source |
| GoodwillUSD | 1,274,000,000Source | 1,274,000,000Source | 1,363,000,000Source | 1,274,000,000Source | 1,274,000,000Source | 1,363,000,000Source | 1,274,000,000Source | 1,073,000,000Source | 1,363,000,000Source | 1,274,000,000Source | 1,018,000,000Source | 1,105,000,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 16,245,000,000Source | 17,934,000,000Source | 16,193,000,000Source | 19,457,000,000Source | 18,632,000,000Source | 20,559,000,000Source | 21,629,000,000Source | 20,021,000,000Source | 14,973,000,000Source | 14,711,000,000Source | 14,259,000,000Source | 10,294,000,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 99,919,000,000Source | 103,249,000,000Source | 105,033,000,000Source | 103,553,000,000Source | 104,949,000,000Source | 105,024,000,000Source | 105,445,000,000Source | 105,891,000,000Source | 102,329,000,000Source | 102,883,000,000Source | 103,576,000,000Source | 91,691,000,000Source |
| Stockholders’ equity: | ||||||||||||
| Preferred Stock, Value, IssuedUSD | 1,222,000,000Source | 1,222,000,000Source | 1,716,000,000Source | 1,222,000,000Source | 1,222,000,000Source | 1,222,000,000Source | 1,222,000,000Source | 1,222,000,000Source | 1,222,000,000Source | 1,222,000,000Source | 734,000,000Source | 734,000,000Source |
| Common Stock, Value, IssuedUSD | 1,000,000Source | 1,000,000Source | 1,000,000Source | 1,000,000Source | 1,000,000Source | 1,000,000Source | 1,000,000Source | 1,000,000Source | 1,000,000Source | 1,000,000Source | 1,000,000Source | 1,000,000Source |
| Additional Paid in CapitalUSD | 9,866,000,000Source | 9,822,000,000Source | 9,876,000,000Source | 9,836,000,000Source | 9,793,000,000Source | 9,844,000,000Source | 9,804,000,000Source | 9,768,000,000Source | 9,902,000,000Source | 9,853,000,000Source | 9,775,000,000Source | 9,718,000,000Source |
| Retained Earnings (Accumulated Deficit)USD | 23,978,000,000Source | 20,975,000,000Source | 25,968,000,000Source | 23,036,000,000Source | 20,310,000,000Source | 25,210,000,000Source | 22,209,000,000Source | 19,790,000,000Source | 24,598,000,000Source | 21,635,000,000Source | 18,662,000,000Source | 16,716,000,000Source |
| Stockholders' Equity Attributable to ParentUSD | 17,065,000,000Source | 15,980,000,000Source | 16,897,000,000Source | 16,952,000,000Source | 15,540,000,000Source | 16,477,000,000Source | 16,581,000,000Source | 15,282,000,000Source | 16,766,000,000Source | 16,580,000,000Source | 13,903,000,000Source | 12,873,000,000Source |
| Liabilities and EquityUSD | 116,984,000,000Source | 119,229,000,000Source | 121,930,000,000Source | 120,505,000,000Source | 120,489,000,000Source | 121,501,000,000Source | 122,026,000,000Source | 121,173,000,000Source | 119,095,000,000Source | 119,463,000,000Source | 117,479,000,000Source | 104,564,000,000Source |
| Additional Financial Items | ||||||||||||
| AOCI, Debt Securities, Available-for-sale, Adjustment, after TaxUSD | -8,000,000Source | -13,000,000Source | -21,000,000Source | -12,000,000Source | -34,000,000Source | -12,000,000Source | -15,000,000Source | -34,000,000Source | -6,000,000Source | -23,000,000Source | -33,000,000Source | -93,000,000Source |
| Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after TaxUSD | -7,000,000Source | -2,000,000Source | -7,000,000Source | -7,000,000Source | -3,000,000Source | -8,000,000Source | -7,000,000Source | -3,000,000Source | -8,000,000Source | -8,000,000Source | -3,000,000Source | -6,000,000Source |
| Long-term DebtUSD | 14,431,000,000Source | 15,632,000,000Source | 16,432,000,000Source | 16,009,000,000Source | 15,637,000,000Source | 16,428,000,000Source | 17,009,000,000Source | 16,133,000,000Source | 15,182,000,000Source | 15,462,000,000Source | 15,982,000,000Source | 14,191,000,000Source |
| Property, Plant and Equipment, Net | — | — | —Source | — | — | — | — | — | — | — | — | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation, Depletion and AmortizationUSD | — | — | — | — | — | — | 143,000,000Source | 125,000,000Source | 514,000,000Source | 481,000,000Source | 458,000,000Source | 419,000,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | 28,000,000Source | 54,000,000Source | 184,000,000Source | -98,000,000Source | -458,000,000Source | -421,000,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 2,183,000,000Source | 2,200,000,000Source | 9,851,000,000Source | 9,848,000,000Source | 8,593,000,000Source | 6,694,000,000Source |
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | — | 0Source | 161,000,000Source | 1,935,000,000Source | — | — |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | 1,524,000,000Source | 3,603,000,000Source | -4,854,000,000Source | -8,903,000,000Source | -14,234,000,000Source | -10,234,000,000Source |
| Payments for (Proceeds from) Other Investing ActivitiesUSD | — | — | — | — | — | — | 144,000,000Source | 200,000,000Source | 852,000,000Source | 688,000,000Source | 722,000,000Source | 549,000,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 900,000,000Source | 605,000,000Source | 2,941,000,000Source | 1,008,000,000Source | 1,112,000,000Source | 3,320,000,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 1,879,000,000Source | 2,119,000,000Source | -4,735,000,000Source | -611,000,000Source | 9,632,000,000Source | 5,284,000,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 104,000,000Source | 97,000,000Source | 427,000,000Source | 398,000,000Source | 406,000,000Source | 434,000,000Source |
| Proceeds from (Payments for) Other Financing ActivitiesUSD | — | — | — | — | — | — | -87,000,000Source | -71,000,000Source | -63,000,000Source | 36,000,000Source | -22,000,000Source | -44,000,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 16,287,000,000Source | 17,981,000,000Source | 17,240,000,000Source | 20,179,000,000Source | 20,603,000,000Source | 22,677,000,000Source | — | — | — | 10,430,000,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | — | — | 4,162,000,000Source | 4,662,000,000Source | 3,551,000,000Source | 1,356,000,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 710,000,000Source | 1,087,000,000Source | 1,125,000,000Source | 1,290,000,000Source |
| Additional Financial Items | ||||||||||||
| Gain (Loss) on Disposition of BusinessUSD | — | — | — | — | — | — | — | 0Source | 0Source | 1,069,000,000Source | — | — |
| GoodwillUSD | — | — | 1,274,000,000Source | 1,274,000,000Source | 1,363,000,000Source | 1,274,000,000Source | 1,363,000,000Source | 1,274,000,000Source | 1,363,000,000Source | 1,274,000,000Source | 1,018,000,000Source | 1,105,000,000Source |
| Impairment of Intangible Assets, Finite-livedUSD | — | — | — | — | — | — | — | — | — | — | — | 0Source |
| Income Tax Expense (Benefit)USD | — | — | 352,000,000Source | 239,000,000Source | 301,000,000Source | 289,000,000Source | 242,000,000Source | 227,000,000Source | 1,069,000,000Source | 1,054,000,000Source | 666,000,000Source | 946,000,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 1,077,000,000Source | 789,000,000Source | 885,000,000Source | 967,000,000Source | 805,000,000Source | 757,000,000Source | 3,552,000,000Source | 3,499,000,000Source | 2,238,000,000Source | 3,016,000,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 1,057,000,000Source | 768,000,000Source | 864,000,000Source | 946,000,000Source | 784,000,000Source | 736,000,000Source | 3,469,000,000Source | 3,427,000,000Source | 2,196,000,000Source | 2,974,000,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | 1,146,000,000Source | 1,597,000,000Source | 1,201,000,000Source | 1,146,000,000Source | 1,335,000,000Source | 1,491,000,000Source | 5,225,000,000Source | 6,733,000,000Source | 5,965,000,000Source | 3,375,000,000Source |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 1,429,000,000Source | 1,028,000,000Source | 1,186,000,000Source | 1,256,000,000Source | 1,047,000,000Source | 984,000,000Source | 4,621,000,000Source | 4,553,000,000Source | 2,904,000,000Source | 3,962,000,000Source |
| Income Tax Expense (Benefit)USD | — | — | 352,000,000Source | 239,000,000Source | 301,000,000Source | 289,000,000Source | 242,000,000Source | 227,000,000Source | 1,069,000,000Source | 1,054,000,000Source | 666,000,000Source | 946,000,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 1,077,000,000Source | 789,000,000Source | 885,000,000Source | 967,000,000Source | 805,000,000Source | 757,000,000Source | 3,552,000,000Source | 3,499,000,000Source | 2,238,000,000Source | 3,016,000,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 2.89Source | 1.96Source | 2.61Source | 2.51Source | 2.29Source | 1.91Source | 9.38Source | 8.64Source | 5.21Source | 6.19Source |
| Earnings Per Share, DilutedUSD per share | — | — | 2.86Source | 1.94Source | 2.59Source | 2.5Source | 2.27Source | 1.89Source | 9.28Source | 8.55Source | 5.19Source | 6.15Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 365,900,000Source | 392,300,000Source | 331,300,000Source | 376,200,000Source | 342,400,000Source | 385,200,000Source | 369,900,000Source | 396,500,000Source | 421,200,000Source | 480,400,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 369,900,000Source | 396,500,000Source | 334,100,000Source | 379,100,000Source | 346,000,000Source | 389,400,000Source | 373,900,000Source | 400,600,000Source | 423,500,000Source | 483,400,000Source |
| Additional Financial Items | ||||||||||||
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.3Source | 0.25Source | 0.3Source | 0.3Source | 0.3Source | 0.25Source | 1.15Source | 1Source | 0.96Source | 0.9Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 885,000,000Source | 1,152,000,000Source | 1,124,000,000Source | 1,367,000,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, DomesticUSD | — | — | — | — | — | — | — | — | 4,574,000,000Source | 4,519,000,000Source | 2,873,000,000Source | 3,947,000,000Source |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 3,711,000,000Source | 1,521,000,000Source |
| Interest Expense, DebtUSD | — | — | — | — | — | — | — | — | — | — | 419,000,000Source | 317,000,000Source |
| InterestExpenseOperatingUSD | — | — | 1,011,000,000Source | 1,176,000,000Source | 975,000,000Source | 1,065,000,000Source | 968,000,000Source | 1,086,000,000Source | 4,135,000,000Source | 4,634,000,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 4,720,000,000Source | 4,609,000,000Source | 4,608,000,000Source | 4,521,000,000Source | 4,635,000,000Source | 4,464,000,000Source | 18,466,000,000Source | 18,011,000,000Source | 16,999,000,000Source | 15,625,000,000Source |
| Interest Income, OperatingUSD | — | — | 5,731,000,000Source | 5,785,000,000Source | 5,583,000,000Source | 5,586,000,000Source | 5,603,000,000Source | 5,550,000,000Source | 22,601,000,000Source | 22,645,000,000Source | 20,710,000,000Source | 17,146,000,000Source |
| Labor and Related ExpenseUSD | — | — | 503,000,000Source | 464,000,000Source | 516,000,000Source | 509,000,000Source | 515,000,000Source | 506,000,000Source | 2,093,000,000Source | 1,872,000,000Source | 1,884,000,000Source | 1,681,000,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 1,057,000,000Source | 768,000,000Source | 864,000,000Source | 946,000,000Source | 784,000,000Source | 736,000,000Source | 3,469,000,000Source | 3,427,000,000Source | 2,196,000,000Source | 2,974,000,000Source |
| Preferred Stock Dividends, Income Statement ImpactUSD | — | — | 20,000,000Source | 21,000,000Source | 21,000,000Source | 21,000,000Source | 21,000,000Source | 21,000,000Source | 83,000,000Source | 72,000,000Source | 42,000,000Source | 42,000,000Source |
| Preferred Stock, Dividends Per Share, DeclaredUSD per share | — | — | — | — | — | — | — | — | — | — | 56.24Source | 56.24Source |
Filing attachments
d112401dex41.htm · 8-K · 2026-07-31
EX-4.1 3 d112401dex41.htm EX-4.1 EX-4.1 Exhibit 4.1 SYNCHRONY FINANCIAL AND THE BANK OF NEW YORK MELLON, as Trustee SIXTEENTH SUPPLEMENTAL INDENTURE Dated as of July 31, 2026 to the INDENTURE Dated as of August 11, 2014 TABLE OF CONTENTS Page ARTICLE I DEFINITIONS Section 1.01. Relation to Base Indenture …
Read attachment ↗d244139dex41.htm · 8-K · 2026-06-05
EX-4.1 3 d244139dex41.htm EX-4.1 EX-4.1 Exhibit 4.1 CERTIFICATE OF DESIGNATIONS OF 7.250% FIXED RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES C OF SYNCHRONY FINANCIAL Synchrony Financial, a corporation organized and existing under the General Corporation Law of the State of Delaware (the “Corporation”), in accordance with the provisions of Sections 141 and 151 thereof, does hereby certify: At a meeting of the Board of Directors (the “Board”) of the Corporation duly conv…
Read attachment ↗d244139dex42.htm · 8-K · 2026-06-05
EX-4.2 4 d244139dex42.htm EX-4.2 EX-4.2 Exhibit 4.2 DEPOSIT AGREEMENT among SYNCHRONY FINANCIAL, COMPUTERSHARE INC. and COMPUTERSHARE TRUST COMPANY, N.A., as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of June 5, 2026 TABLE OF CONTENTS Page …
Read attachment ↗ex-43112312025xdescription.htm · 10-K · 2026-02-06
Exhibit 4.31 DESCRIPTION OF REGISTRANT’S SECURITIES As of the date of the Annual Report on Form 10-K of which this Exhibit is a part, Synchrony Financial, a Delaware corporation, had three classes of securities registered pursuant to Section 12 of the Securities Exchange Act of 1934, as amended: (i) Common Stock, par value $0.001 per share (the “common stock”); (ii) depositary shares, each representing a 1/40th interest in a share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, …
Read attachment ↗