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SYNCHRONY FINANCIAL

LISTEDNYSE

SYMBOLSYF

SIC6199

STATE OF INC.NY

FISCAL YEAR ENDSDecember 31

CIK1601712

FINANCE SERVICES · LARGE ACCELERATED FILER · 10 FISCAL YEARS OF SEC XBRL DATA, 2016–2025

Fiscal years labelled by the calendar year in which they end. Bars in $ billions; per-share figures as reported.

CAPITALIZATION 12/31/25

($ millions)	Amount	%
Total debt	15,182	47.5
Stockholders' equity	16,766	52.5
Total capitalization	31,948	100.0

325,370,840 shares outstanding at 17 July 2026 (cover page of the 10-Q filed 23 July 2026).

LONG-TERM DEBT 12/31/25

($ millions)	Amount
Long-term debt, incl. current maturities	15,182

CAPITAL STOCK 12/31/25

Common shares authorized	4,000,000,000
Common shares issued	834,000,000
Treasury shares	487,000,000
Par or stated value per share ($)	0.001
Preferred stock ($ millions)	1,222
Outstanding at 7/17/26	325,370,840

DIVIDENDS DECLARED/PAID

Fiscal year	Per share $	Payout %
2025	1.15	12.4
2024	1.00	11.7
2023	0.96	18.5
2022	0.90	14.6
2021	0.88	12.0

HISTORY AND BUSINESS

HISTORY: Incorporated in New York.

BUSINESS: Classified by the SEC under Standard Industrial Classification 6199, Finance Services. Large accelerated filer. Principal executive office: 777 Long Ridge Road, Stamford, CT 06902-1250. Fiscal year ends December 31. Deposits at 12/31/25: $81,144 million. For a description of the business, see Item 1 of the latest 10-K.

CONSOLIDATED INCOME ACCOUNT, YEARS ENDED

($ millions)	12/31/25	12/31/24	12/31/23
Total interest income	22,601	22,645	20,710
Total interest expense	4,135	4,634	3,711
Net interest income	18,466	18,011	16,999
Provision for credit losses	5,225	6,733	5,965
Noninterest income	520	1,521	289
Noninterest expense	5,135	4,839	4,758
Income before income taxes	4,621	4,553	2,904
Income taxes	1,069	1,054	666
Net income	3,552	3,499	2,238
Earned per share, diluted ($)	9.28	8.55	5.19
Dividends per share ($)	1.15	1.00	0.96

CONSOLIDATED STATEMENT OF CONDITION

($ millions)	12/31/25	12/31/24
Cash and due from banks	694	646
Interest-bearing deposits with banks	14,200	14,000
Securities available for sale	2,348	3,079
Allowance for credit losses	10,442	10,929
Total assets	119,095	119,463
Deposits	81,144	82,062
Long-term debt	15,182	15,462
Total liabilities	102,329	102,883
Stockholders' equity	16,766	16,580

TEN-YEAR STATISTICS: FISCAL YEARS ($ millions except per share)

Fiscal year ended	Revenues	Oper. income	Net income	Net margin %	EPS diluted $	Div. per share $	Oper. cash flow	Total assets	Total liabilities	Total debt	Deposits	Stockholders' equity	ROE %	Debt / equity
12/31/25	23,121	–	3,552	15.4	9.28	1.15	9,851	119,095	102,329	15,182	81,144	16,766	21.2	0.91
12/31/24	24,166	–	3,499	14.5	8.55	1.00	9,848	119,463	102,883	15,462	82,062	16,580	21.1	0.93
12/31/23	20,999	–	2,238	10.7	5.19	0.96	8,593	117,479	103,576	15,982	81,153	13,903	16.1	1.15
12/31/22	17,526	–	3,016	17.2	6.15	0.90	6,694	104,564	91,691	14,191	71,735	12,873	23.4	1.10
12/31/21	15,752	–	4,221	26.8	7.34	0.88	7,099	95,748	82,093	14,507	62,270	13,655	30.9	1.06
12/31/20	16,472	–	1,385	8.4	2.27	0.88	7,487	95,948	83,247	15,775	62,782	12,701	10.9	1.24
12/31/19	19,461	–	3,747	19.3	5.56	0.86	8,990	104,826	89,738	19,866	65,154	15,088	24.8	1.32
12/31/18	18,253	–	2,790	15.3	3.74	0.72	9,342	106,792	92,114	23,996	64,019	14,678	19.0	1.63
12/31/17	16,695	–	1,935	11.6	2.42	0.56	8,575	95,808	81,574	20,799	56,488	14,234	13.6	1.46
12/31/16	15,122	–	2,251	14.9	2.71	0.26	6,511	90,207	76,011	20,147	52,055	14,196	15.9	1.42

Net margin = net income ÷ revenues; ROE = net income ÷ year-end stockholders’ equity; total debt = long-term debt including current maturities plus short-term borrowings/commercial paper, as tagged in XBRL; capital expenditure and free cash flow are not shown for banks and insurers, where they are not meaningful; d = derived as total assets − total equity where the filing does not tag total liabilities; – = not reported in XBRL for that year.

REGISTRANT:

Synchrony Financial
CIK 1601712 · EIN 51-0483352

PRINCIPAL OFFICE:

777 Long Ridge Road, Stamford, CT 06902-1250
Tel.: 203 585-2400

INCORPORATED:

New York

INDUSTRY (SEC SIC CODE):

6199 · Finance Services

FILER STATUS:

Large accelerated filer

LATEST ANNUAL REPORT:

10-K for period ended 12/31/25, filed 6 February 2026

FORMER NAMES:

Synchrony Financial

RECENT FILINGS (ANNUAL REPORT REFERENCES BELOW):

9/14/26	8-K	period 9/14/26
8/17/26	8-K	period 8/17/26
7/31/26	8-K	period 7/28/26
7/23/26	10-Q	period 6/30/26
7/21/26	8-K	period 7/21/26
7/21/26	8-K	period 7/21/26
6/29/26	8-K	period 6/29/26
6/25/26	8-K	period 6/24/26

Sources: SEC XBRL company facts (all financial figures) · SEC submissions (registrant, address, SIC, filings) · annual reports: 10-K FY2025 (filed 2/6/26) · 10-K FY2024 (filed 2/7/25) · 10-K FY2023 (filed 2/8/24) · 10-K FY2022 (filed 2/9/23) · 10-K FY2021 (filed 2/10/22) · 10-K FY2020 (filed 2/11/21) · 10-K FY2019 (filed 2/13/20) · 10-K FY2018 (filed 2/15/19). Values are the latest figures filed for each fiscal year (restated where a later 10-K restated them). Ratios and free cash flow are Pathos calculations from those figures. Retrieved 31 October 2026.