Financial insights of SYF

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Interest on cash and debt securities	903	1,049	808	265
Interest and fees on loans (note 5)	21,698	21,596	19,902	16,881
Total interest income	22,601	22,645	20,710	17,146
Interest on deposits	3,330	3,806	2,952	1,008
Interest on senior and subordinated unsecured notes	388	401	-	-
Interest on borrowings of consolidated securitization entities-Variable Interest Entity Primary Beneficiary	417	427	340	196
Interest on senior unsecured notes	-	-	419	317
Total interest expense	4,135	4,634	3,711	1,521
Net interest income	18,466	18,011	16,999	15,625
Retailer share arrangements	4,005	3,407	3,661	4,331
Provision for credit losses (note 5)	5,225	6,733	5,965	3,375
Net interest income, after retailer share arrangements and provision for credit losses	9,236	7,871	7,373	7,919
Interchange revenue	1,067	1,026	1,031	982
Debt cancellation fees	-	-	-	387
Protection product revenue	596	562	510	-
Loyalty programs	1,438	1,382	1,370	1,257
Other	295	1,315	118	268
Total other income	520	1,521	289	380
Employee costs	2,093	1,872	1,884	1,681
Professional fees	936	936	842	832
Marketing and business development	511	524	527	487
Information processing	899	803	712	623
Other	696	704	793	714
Total other expense	5,135	4,839	4,758	4,337
Earnings before provision for income taxes	4,621	4,553	2,904	3,962

Basic EPS	9.38	8.64	5.21	6.19
Diluted EPS	9.28	8.55	5.19	6.15
Basic Average Shares	369,900,000	396,500,000	421,200,000	480,400,000
Diluted Average Shares	373,900,000	400,600,000	423,500,000	483,400,000