Synchrony Financial (0LC3.L)

Name: Synchrony Financial Financial Statements
Creator: Quarter Results

Financial Services | Financial Diversified

Latest reporting period: 2025-12-31

Latest Quarter

2025-12-31

Revenue

$5.9B

Net Income

$751M

Operating Margin

59.5%

Free Cash Flow

$9.9B

Debt / Assets

85.9%

Values are in USD and rounded to the nearest whole number unless noted.

Swipe horizontally to view all columns.

Income statement quarterly history for Synchrony Financial (0LC3.L).
Income Statement (Quarterly)	2025-12-31	2025-09-30	2025-06-30	2025-03-31
Revenue	5,860,000,000	4,834,000,000	4,712,000,000	4,804,000,000
Cost of Revenue	973,000,000	2,157,000,000	2,211,000,000	2,577,000,000
Gross Profit	4,887,000,000	2,677,000,000	2,501,000,000	2,227,000,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	723,000,000	623,000,000	636,000,000	622,000,000
Operating Expenses	1,399,000,000	1,248,000,000	1,245,000,000	1,243,000,000
Operating Income	3,488,000,000	1,429,000,000	1,256,000,000	984,000,000
Interest Expense	973,000,000	1,011,000,000	1,065,000,000	1,086,000,000
Income Before Tax	952,000,000	1,429,000,000	1,256,000,000	984,000,000
Income Tax Expense	201,000,000	352,000,000	289,000,000	227,000,000
Net Income	751,000,000	1,077,000,000	967,000,000	757,000,000
Per Share
EPS	2.07	2.89	2.51	1.91
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for Synchrony Financial (0LC3.L).
Income Statement (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Revenue	20,210,000,000	20,759,000,000	7,662,000,000	13,195,000,000
Cost of Revenue	7,918,000,000	11,367,000,000	9,676,000,000	1,370,000,000
Gross Profit	12,292,000,000	9,392,000,000	7,662,000,000	11,825,000,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	2,604,000,000	2,353,000,000	2,411,000,000	3,623,000,000
Operating Expenses	5,135,000,000	4,839,000,000	4,758,000,000	3,975,000,000
Operating Income	7,157,000,000	4,553,000,000	3,663,000,000	7,850,000,000
Interest Expense	4,135,000,000	4,634,000,000	3,711,000,000	513,000,000
Income Before Tax	4,621,000,000	4,553,000,000	2,904,000,000	3,962,000,000
Income Tax Expense	1,069,000,000	1,054,000,000	666,000,000	946,000,000
Net Income	3,552,000,000	3,499,000,000	2,238,000,000	3,016,000,000
Per Share
EPS	9.35	8.64	5.21	6.28
EPS Diluted	0.00	0.00	0.00	0.00

Balance sheet quarterly history for Synchrony Financial (0LC3.L).
Balance Sheet (Quarterly)	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Assets
Cash and Cash Equivalents	14,973,000,000	14,711,000,000	14,259,000,000	10,294,000,000
Short Term Investments	2,348,000,000	3,079,000,000	3,799,000,000	0
Net Receivables	93,366,000,000	0	0	0
Inventory	0	0	0	0
Total Current Assets	108,339,000,000	17,790,000,000	18,058,000,000	10,294,000,000
Property Plant Equipment	0	0	0	0
Goodwill and Intangibles	2,618,000,000	2,128,000,000	1,833,000,000	2,392,000,000
Total Assets	119,095,000,000	119,463,000,000	117,479,000,000	104,564,000,000
Liabilities
Account Payables	0	0	0	0
Short Term Debt	0	0	0	1,707,000,000
Total Current Liabilities	6,003,000,000	82,062,000,000	81,153,000,000	5,602,000,000
Long Term Debt	15,182,000,000	15,462,000,000	15,982,000,000	12,484,000,000
Total Liabilities	102,329,000,000	102,883,000,000	103,576,000,000	91,691,000,000
Shareholders Equity
Retained Earnings	24,598,000,000	21,635,000,000	18,662,000,000	16,716,000,000
Total Shareholders Equity	16,766,000,000	16,580,000,000	13,903,000,000	12,873,000,000

Balance sheet annual history for Synchrony Financial (0LC3.L).
Balance Sheet (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Assets
Cash and Cash Equivalents	14,973,000,000	14,711,000,000	14,259,000,000	10,294,000,000
Short Term Investments	2,348,000,000	3,079,000,000	3,799,000,000	0
Net Receivables	93,366,000,000	0	0	0
Inventory	0	0	0	0
Total Current Assets	108,339,000,000	17,790,000,000	18,058,000,000	10,294,000,000
Property Plant Equipment	0	0	0	0
Goodwill and Intangibles	2,618,000,000	2,128,000,000	1,833,000,000	2,392,000,000
Total Assets	119,095,000,000	119,463,000,000	117,479,000,000	104,564,000,000
Liabilities
Account Payables	0	0	0	0
Short Term Debt	0	0	0	1,707,000,000
Total Current Liabilities	6,003,000,000	82,062,000,000	81,153,000,000	5,602,000,000
Long Term Debt	15,182,000,000	15,462,000,000	15,982,000,000	12,484,000,000
Total Liabilities	102,329,000,000	102,883,000,000	103,576,000,000	91,691,000,000
Shareholders Equity
Retained Earnings	24,598,000,000	21,635,000,000	18,662,000,000	16,716,000,000
Total Shareholders Equity	16,766,000,000	16,580,000,000	13,903,000,000	12,873,000,000

Cash flow quarterly history for Synchrony Financial (0LC3.L).
Cash Flow Statement (Quarterly)	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Operating Activities
Net Income	3,552,000,000	3,499,000,000	2,238,000,000	3,016,000,000
Depreciation & Amortization	514,000,000	481,000,000	458,000,000	362,000,000
Stock Based Compensation	0	0	0	-921,000,000
Change in Working Capital	376,000,000	-205,000,000	-345,000,000	305,000,000
Operating Cash Flow	9,851,000,000	9,848,000,000	8,593,000,000	6,694,000,000
Investing Activities
Capital Expenditure	0	0	0	0
Investments	0	0	0	0
Investing Cash Flow	-4,854,000,000	-8,903,000,000	-14,234,000,000	-10,234,000,000
Financing Activities
Debt Repayment	-295,000,000	-536,000,000	1,777,000,000	-329,000,000
Common Stock Issued/Repurchased	-2,941,000,000	-1,008,000,000	-1,112,000,000	5,284,000,000
Dividends Paid	-510,000,000	-470,000,000	-448,000,000	-476,000,000
Financing Cash Flow	-4,735,000,000	-611,000,000	9,632,000,000	5,284,000,000
Summary
Free Cash Flow	9,851,000,000	9,848,000,000	8,593,000,000	6,694,000,000
Net Change in Cash	262,000,000	334,000,000	3,991,000,000	1,994,000,000

Cash flow annual history for Synchrony Financial (0LC3.L).
Cash Flow Statement (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Operating Activities
Net Income	3,552,000,000	3,499,000,000	2,238,000,000	3,016,000,000
Depreciation & Amortization	514,000,000	481,000,000	458,000,000	362,000,000
Stock Based Compensation	0	0	0	-921,000,000
Change in Working Capital	376,000,000	-205,000,000	-345,000,000	305,000,000
Operating Cash Flow	9,851,000,000	9,848,000,000	8,593,000,000	6,694,000,000
Investing Activities
Capital Expenditure	0	0	0	0
Investments	0	0	0	0
Investing Cash Flow	-4,854,000,000	-8,903,000,000	-14,234,000,000	-10,234,000,000
Financing Activities
Debt Repayment	-295,000,000	-536,000,000	1,777,000,000	-329,000,000
Common Stock Issued/Repurchased	-2,941,000,000	-1,008,000,000	-1,112,000,000	5,284,000,000
Dividends Paid	-510,000,000	-470,000,000	-448,000,000	-476,000,000
Financing Cash Flow	-4,735,000,000	-611,000,000	9,632,000,000	5,284,000,000
Summary
Free Cash Flow	9,851,000,000	9,848,000,000	8,593,000,000	6,694,000,000
Net Change in Cash	262,000,000	334,000,000	3,991,000,000	1,994,000,000