Financial insights of SYF

MyFinsight

Income Statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30
Interest and fees on loans (note 4)	5,380	5,413	5,548	5,510
Interest on cash and debt securities	203	190	186	221
Total interest income	5,583	5,603	5,734	5,731
Interest on deposits	767	770	781	812
Interest on borrowings of consolidated securitization entities	111	106	104	105
Interest on senior and subordinated unsecured notes	97	92	88	94
Total interest expense	975	968	973	1,011
Net interest income	4,608	4,635	4,761	4,720
Retailer share arrangements	1,027	1,070	1,094	1,024
Provision for credit losses (note 4)	1,201	1,335	1,442	1,146
Net interest income, after retailer share arrangements and provision for credit losses	2,380	2,230	2,225	2,550
Interchange revenue	300	264	289	272
Protection product revenue	161	161	156	149
Loyalty programs	436	361	399	368
Other	112	69	80	74
Total other income	137	133	126	127
Employee costs	516	515	575	503
Professional fees	220	209	243	240
Marketing and business development	137	114	148	120
Information processing	248	262	239	226
Other	210	216	194	159
Total other expense	1,331	1,316	1,399	1,248
Earnings before provision for income taxes	1,186	1,047	952	1,429
Provision for income taxes (note 13)	301	242	-	352
Net earnings	885	805	-	1,077

Basic EPS	2.61	2.29	5.166	2.89
Diluted EPS	2.59	2.27	5.095	2.86
Basic Average Shares	331,300,000	342,400,000	352,300,000	365,900,000
Diluted Average Shares	334,100,000	346,000,000	357,200,000	369,900,000

Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.