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Synchrony Financial
Synchrony Financial Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Oct 2026 | 19,447 | 7.5 | 1.40 | 1.18 | 7,030.16 |
| Oct 2026 | 19,793 | 7.5 | 1.42 | 0.91 | 7,048.42 |
| Oct 2026 | 20,248 | 7.5 | 1.42 | 0.91 | 7,008.25 |
| Oct 2026 | 20,371 | 7.3 | 1.38 | 0.91 | 6,809.63 |
| Oct 2026 | 20,218 | 7.8 | 1.43 | 0.91 | 7,030.92 |
| Oct 2026 | 20,242 | 7.5 | 1.42 | 0.91 | 6,978.60 |
| Oct 2026 | 20,205 | 7.6 | 1.43 | 0.91 | 7,039.17 |
| Oct 2026 | 20,263 | 7.5 | 1.41 | 0.91 | 6,955.73 |
| Oct 2026 | 20,213 | 7.7 | 1.43 | 0.91 | 7,009.48 |
| Oct 2026 | 20,148 | 7.8 | 1.45 | 0.91 | 7,087.81 |
Synchrony Financial Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 3,718,000,000.0 | 3,698,000,000.0 | 3,793,000,000.0 | 3,823,000,000.0 |
| Net Profit | 885,000,000.0 | 805,000,000.0 | 751,000,000.0 | 1,077,000,000.0 |
| EPS | 2.6 | 2.3 | 2.1 | 2.9 |
Synchrony Financial Revenue & Profit: Last 4 Years
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Revenue | 14,981,000,000.0 | 15,056,000,000.0 | 13,627,000,000.0 | 11,674,000,000.0 |
| Net Profit | 3,552,000,000.0 | 3,499,000,000.0 | 2,238,000,000.0 | 3,016,000,000.0 |
| EPS | 9.4 | 8.6 | 5.2 | 6.2 |
Synchrony Financial Balance Sheet
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Total Assets | 119,095,000,000.0 | 119,463,000,000.0 | 117,479,000,000.0 | 104,564,000,000.0 | — |
| Total Liabilities | 102,329,000,000.0 | 102,883,000,000.0 | 103,576,000,000.0 | 91,691,000,000.0 | — |
| Total Equity | 16,766,000,000.0 | 16,580,000,000.0 | 13,903,000,000.0 | 12,873,000,000.0 | — |
Owes vs Owns
Synchrony Financial owed $0.86 for every $1 it owned in Jun 2026, down from $0.88 in Dec 2022.
| Period | Jun 2026 | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
| Owes vs Owns | 0.86× | 0.86× | 0.86× | 0.88× | 0.88× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
Synchrony Financial Assets & Liabilities Breakdown (USD millions)
What it owns — Dec 2025
Cash & short-term investments 14.5%Intangible assets 2.2%Long-term investments 2.0%Other assets 81.3%
How it's funded — Dec 2025
Long-term debt 12.7%Other liabilities 73.2%Shareholders' equity 14.1%
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 17,321.0 | 17,790.0 | 18,058.0 | 15,173.0 |
| Receivables | 0.0 | 0.0 | 0.0 | 0.0 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 0.0 | 0.0 | 0.0 | 0.0 |
| Intangible assets | 2,618.0 | 2,128.0 | 1,833.0 | 1,847.0 |
| Long-term investments | 2,348.0 | 3,079.0 | 3,799.0 | 4,879.0 |
| Other assets | 96,808.0 | 96,466.0 | 93,789.0 | 82,665.0 |
| Liabilities & equity | ||||
| Short-term debt | 0.0 | 0.0 | 0.0 | 0.0 |
| Long-term debt | 15,182.0 | 15,462.0 | 15,982.0 | 14,191.0 |
| Payables | 0.0 | 0.0 | 0.0 | 5,765.0 |
| Other liabilities | 87,147.0 | 87,421.0 | 87,594.0 | 71,735.0 |
| Shareholders' equity | 16,766.0 | 16,580.0 | 13,903.0 | 12,873.0 |
| Net tangible assets | 14,148.0 | 14,452.0 | 12,070.0 | 11,026.0 |
Synchrony Financial Cash Flow
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Operating Activities | 9,851,000,000.0 | 9,848,000,000.0 | 8,593,000,000.0 | 6,694,000,000.0 | — |
| Investing Activities | -4,854,000,000.0 | -8,903,000,000.0 | -14,234,000,000.0 | -10,234,000,000.0 | — |
| Financing Activities | -4,735,000,000.0 | -611,000,000.0 | 9,632,000,000.0 | 5,284,000,000.0 | — |