Synchrony Financial (0LC3.L)

Name: Synchrony Financial Financial Statements
Creator: Quarter Results

Financial Services | Financial Credit Services

Latest reporting period: 2026-03-31

Latest Quarter

2026-03-31

Revenue

$5.6B

Net Income

$805M

Operating Margin

16.3%

Free Cash Flow

$9.9B

Debt / Assets

85.9%

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

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Income statement quarterly history for Synchrony Financial (0LC3.L).
Income Statement (Quarterly)	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Revenue	5,603,000,000	4,766,000,000	4,834,000,000	4,712,000,000
Cost of Revenue	968,000,000	2,415,000,000	2,157,000,000	2,211,000,000
Gross Profit	4,635,000,000	2,351,000,000	2,677,000,000	2,501,000,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	1,316,000,000	723,000,000	623,000,000	636,000,000
Operating Expenses	3,721,000,000	1,399,000,000	1,248,000,000	1,245,000,000
Operating Income	914,000,000	952,000,000	1,429,000,000	1,256,000,000
Interest Expense	968,000,000	973,000,000	1,011,000,000	1,065,000,000
Income Before Tax	1,047,000,000	952,000,000	1,429,000,000	1,256,000,000
Income Tax Expense	242,000,000	201,000,000	352,000,000	289,000,000
Net Income	805,000,000	751,000,000	1,077,000,000	967,000,000
Per Share
EPS	2.29	2.07	2.89	2.51
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	19,116,000,000	20,759,000,000	7,662,000,000	13,195,000,000
Cost of Revenue	9,360,000,000	11,367,000,000	9,676,000,000	1,370,000,000
Gross Profit	9,756,000,000	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	4,621,000,000	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	0	0	0	0
Inventory	0	0	0	0
Total Current Assets	17,321,000,000	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	81,144,000,000	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	0	0	0	0
Inventory	0	0	0	0
Total Current Assets	17,321,000,000	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	81,144,000,000	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