| Balance Sheets | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Cash and equivalents | 16,245 | 19,457 | 21,629 | 17,934 |
| Debt securities (note 4) | 2,716 | 2,905 | 2,724 | 2,345 |
| Consolidated Entity Excluding Variable Interest Entities VIE | 79,207 | 78,566 | 79,186 | 81,005 |
| Variable Interest Entity Primary Beneficiary | 20,971 | 21,210 | 20,422 | 21,188 |
| Total loan receivables | 100,178 | 99,776 | 99,608 | 102,193 |
| Less allowance for credit losses | 10,373 | 10,564 | 10,828 | 11,029 |
| Loan receivables, net | 89,805 | 89,212 | 88,780 | 91,164 |
| Loan receivables held for sale (note 5) | 192 | 191 | - | - |
| Goodwill | 1,274 | 1,274 | 1,274 | 1,274 |
| Intangible assets, net (note 7) | 909 | 862 | 847 | 765 |
| Other assets | 5,843 | 6,604 | 6,772 | 5,747 |
| Assets held for sale (note 3) | - | - | - | 0 |
| Total assets | 116,984 | 120,505 | 122,026 | 119,229 |
| Interest-bearing deposit accounts | 79,513 | 81,857 | 83,030 | 81,901 |
| Non-interest-bearing deposit accounts | 373 | 405 | 405 | 383 |
| Total deposits | 79,886 | 82,262 | 83,435 | 82,284 |
| Borrowings of consolidated securitization entities-Variable Interest Entity Primary Beneficiary | 7,666 | 8,340 | 8,591 | 8,015 |
| Senior and subordinated unsecured notes | 6,765 | 7,669 | 8,418 | 7,617 |
| Total borrowings | 14,431 | 16,009 | 17,009 | 15,632 |
| Accrued expenses and other liabilities | 5,602 | 5,282 | 5,001 | 5,333 |
| Liabilities held for sale (note 3) | - | - | - | 0 |
| Total liabilities | 99,919 | 103,553 | 105,445 | 103,249 |
| Preferred stock, par value 0.001 per share 1,250,000 shares authorized, issued and outstanding and aggregate liquidation preference of 1,250 at both september30, 2025 and december31, 2024 | 1,222 | 1,222 | 1,222 | 1,222 |
| Common stock, par value 0.001 per share 4,000,000,000 shares authorized 833,984,684 shares issued at both september30, 2025 and december31, 2024 360,143,330 and 388,261,077 shares outstanding at september30, 2025 and december31, 2024, respectively | 1 | 1 | 1 | 1 |
| Additional paid-in capital | 9,866 | 9,836 | 9,804 | 9,822 |
| Retained earnings | 23,978 | 23,036 | 22,209 | 20,975 |
| Debt securities | -8 | -12 | -15 | -13 |
| Currency translation adjustments | -45 | -40 | -45 | -39 |
| Employee benefit plans and other | -7 | -7 | -7 | -2 |
| Treasury stock, at cost 473,841,354 and 445,723,607 shares at september30, 2025 and december31, 2024, respectively | 17,956 | 17,098 | 16,602 | 15,990 |
| Total equity | 17,065 | 16,952 | 16,581 | 15,980 |
| Total liabilities and equity | 116,984 | 120,505 | 122,026 | 119,229 |
Synchrony Financial (SYF-PB)
Synchrony Financial (SYF-PB)