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 |
|---|
| 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 |
| Cash & Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash Only | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Sales Outstanding | 1.44K | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 |
| Property, Plant & Equipment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fixed Asset Turnover | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 |
| 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 |
| Other Non-Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 Turnover | 0.05x | 0.04x | 0.04x | 0.04x | 0.04x | 0.04x | 0.04x | 0.04x | 0.04x | 0.04x | 0.04x | 0.04x | 0.04x | 0.04x | 0.03x | 0.03x | 0.03x | 0.03x | 0.03x | 0.03x |
| 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% |
| Total Current Liabilities | 0 | 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 |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Payables Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Liabilities | 0 | 81.14B | 79.89B | 82.26B | 83.44B | 82.06B | 82.28B | 83.1B | 83.55B | 81.15B | 78.07B | 75.77B | 74.42B | 71.73B | 68.4B | 64.71B | 63.58B | 62.27B | 60.35B | 59.84B |
| Current Ratio | - | 0.21x | 0.24x | 0.27x | 0.29x | 0.22x | 0.25x | 0.26x | 0.28x | 0.22x | 0.22x | 0.21x | 0.24x | 0.20x | 0.23x | 0.23x | 0.22x | 0.20x | 0.23x | 0.26x |
| Quick Ratio | - | 0.21x | 0.24x | 0.27x | 0.29x | 0.22x | 0.25x | 0.26x | 0.28x | 0.22x | 0.22x | 0.21x | 0.24x | 0.20x | 0.23x | 0.23x | 0.22x | 0.20x | 0.23x | 0.26x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 105.02B | 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 |
| 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 |
| Capital Lease Obligations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Deferred Tax Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 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 |
| Debt / Equity | 1.00x | 0.91x | 0.85x | 0.94x | 1.03x | 0.93x | 0.98x | 1.01x | 1.06x | 1.15x | 1.11x | 1.06x | 1.13x | 1.10x | 1.10x | 0.91x | 1.00x | 1.06x | 0.92x | 0.95x |
| Debt / EBITDA | 17.97x | 13.92x | 9.27x | 11.62x | 15.34x | 14.15x | 13.60x | 16.20x | 8.83x | 24.33x | 16.05x | 16.64x | 16.57x | 16.85x | 13.94x | 10.37x | 9.97x | 12.59x | 8.01x | 7.74x |
| Net Debt / EBITDA | -4.52x | 0.19x | -1.17x | -2.50x | -4.17x | 0.69x | -2.00x | -3.10x | -2.13x | 2.62x | -0.43x | 1.78x | -0.41x | 4.63x | 2.30x | 1.26x | 2.10x | 5.36x | 1.85x | 1.35x |
| Interest Coverage | 0.94x | 0.98x | 1.41x | 1.18x | 0.91x | 0.87x | 0.87x | 0.72x | 1.47x | 0.50x | 0.84x | 0.82x | 1.07x | 1.23x | 2.23x | 3.92x | 5.29x | 4.70x | 6.25x | 6.17x |
| 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% |
| 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 |
| Total Shareholders' 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 |
| Common Stock | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M |
| 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 |
| 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 |
| Accumulated OCI | -56M | -48M | -46M | -45M | -53M | -59M | -50M | -73M | -69M | -68M | -96M | -96M | -102M | -125M | -187M | -149M | -121M | -69M | -64M | -56M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |