For the year ending 2025-12-31, SYF-PB has $119,095M in assets. $102,329M in debts. $14,973M in cash and cash equivalents.
| Balance Sheets | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and equivalents | 14,973 | 14,711 | 14,259 | 10,294 |
| Debt securities | 2,348 | 3,079 | 3,799 | 4,879 |
| Unsecuritized Loans Heldfor Investment | 81,408 | 83,382 | 81,554 | 72,638 |
| Variable Interest Entity Primary Beneficiary | 22,400 | 21,339 | 21,434 | 19,832 |
| Total loan receivables | 103,808 | 104,721 | 102,988 | 92,470 |
| Less allowance for credit losses | 10,442 | 10,929 | 10,571 | 9,527 |
| Loan receivables, net | 93,366 | 93,792 | 92,417 | 82,943 |
| Loan receivables held for sale (note 4) | - | - | - | 0 |
| Goodwill | 1,363 | 1,274 | 1,018 | 1,105 |
| Intangible assets, net (note 7) | 1,255 | 854 | 815 | 1,287 |
| Other assets | 5,790 | 5,753 | 4,915 | 4,056 |
| Assets held for sale (note 3) | - | 0 | 256 | - |
| Total assets | 119,095 | 119,463 | 117,479 | 104,564 |
| Interest-bearing deposit accounts | 80,748 | 81,664 | 80,789 | 71,336 |
| Non-interest-bearing deposit accounts | 396 | 398 | 364 | 399 |
| Total deposits | 81,144 | 82,062 | 81,153 | 71,735 |
| Borrowings of consolidated securitization entities-Variable Interest Entity Primary Beneficiary | 8,415 | 7,842 | 7,267 | 6,227 |
| Senior and subordinated unsecured notes | 6,767 | 7,620 | 8,715 | 7,964 |
| Total borrowings | 15,182 | 15,462 | 15,982 | 14,191 |
| Accrued expenses and other liabilities | 6,003 | 5,359 | 6,334 | 5,765 |
| Liabilities held for sale | - | 0 | 107 | - |
| Total liabilities | 102,329 | 102,883 | 103,576 | 91,691 |
| Preferred stock, par value 0.001 per share 300 million shares authorized, 1.25 million shares issued and outstanding at december31, 2025 and december31, 2024 | 1,222 | 1,222 | 734 | 734 |
| Common stock, par value 0.001 per share 4.0 billion shares authorized 834 million shares issued at both december31, 2025 and 2024 347 million and 388 million shares outstanding at december31, 2025 and 2024, respectively | 1 | 1 | 1 | 1 |
| Additional paid-in capital | 9,902 | 9,853 | 9,775 | 9,718 |
| Retained earnings | 24,598 | 21,635 | 18,662 | 16,716 |
| Debt securities | -6 | -23 | -33 | -93 |
| Currency translation adjustments | -50 | -44 | -38 | -38 |
| Employee benefit plans and other | -8 | -8 | -3 | -6 |
| Treasury stock, at cost 487 million and 446 million shares at december31, 2025 and 2024, respectively | 18,909 | 16,072 | 15,201 | 14,171 |
| Total equity | 16,766 | 16,580 | 13,903 | 12,873 |
| Total liabilities and equity | 119,095 | 119,463 | 117,479 | 104,564 |
Synchrony Financial (SYF-PB)
Synchrony Financial (SYF-PB)