NYSE: SYF
Synchrony FinancialCIK 0001601712 · Financials · SIC 6199 · Finance Services
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Synchrony Financial prices $1.1B debt offering: $600M 5.450% 2030 notes, $500M 6.276% 2037 notes
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Synchrony Financial offers two series of fixed-to-floating senior notes; terms not yet disclosed
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SYF Q2 FY26: Net earnings flat at $1.8B; $1.8B buyback, $500M preferred issued, dividend up 13%
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Synchrony Financial reports improved credit metrics: charge-offs fall to 5.3%, delinquencies stable at 4.2%
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Synchrony Financial reports Q2 2026 EPS of $2.59, up 4% YoY; returns $950M to shareholders
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Synchrony names Carol Juel CEO of Digital platform, promotes Florin Arghirescu to CTO
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Synchrony Financial discloses 13 months of charge-off and delinquency data through May 2026
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Synchrony Financial raises capital with $500M preferred stock offering, restricts common dividends
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Synchrony Financial offers 500,000 depositary shares of 7.250% perpetual preferred stock at $1,000 each, raising $500 million
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Synchrony Financial offers depositary shares in perpetual preferred stock at undisclosed rate
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Synchrony Financial discloses routine monthly charge-off and delinquency statistics
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Synchrony Q1 earnings up 6%, unveils $6.5B buyback with no expiration and 13% dividend hike
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Synchrony Financial files routine monthly credit performance statistics through March 2026
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Synchrony Financial reports Q1 2026 earnings results
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Latest financial statements
From 10-Q filed Jul 23, 2026 (period ending Jun 30, 2026). SEC XBRL (companyfacts) — not generated by the model.
Consolidated Statements of Operations (Unaudited)
| Description | Q2 ended Jun 30, 2026 | Q2 ended Jun 30, 2025 |
|---|---|---|
| Operating expenses: | ||
| Income before income taxes | 1,186 | 1,256 |
| Income tax expense/(benefit) | 301.0 | 289.0 |
| Net income | 885.0 | 967.0 |
| Basic earnings per share | 2.61 | 2.51 |
| Diluted earnings per share | 2.59 | 2.50 |
Consolidated Balance Sheets (Unaudited)
| Description | Jun 30, 2026 | Jun 30, 2025 |
|---|---|---|
| Current assets: | ||
| Cash and equivalents | 16,193 | 19,457 |
| Property, plant and equipment, net | 1,217 | |
| Finite-lived intangible assets, net | 152.0 | 862.0 |
| Goodwill | 1,363 | 1,274 |
| Deferred income taxes and other assets | 2,051 | |
| TOTAL ASSETS | 121,930 | 120,505 |
| Current liabilities: | ||
| Long-term debt | 16,432 | 16,009 |
| Total liabilities | 105,033 | 103,553 |
| Shareholders' equity: | ||
| Common stock | 1.0 | 1.0 |
| Capital in excess of stated value | 9,876 | 9,836 |
| Retained earnings (deficit) | 25,968 | 23,036 |
| Treasury stock | 20,593 | 17,098 |
| Total shareholders' equity | 16,897 | 16,952 |
| TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | 121,930 | 120,505 |
Consolidated Statements of Cash Flows (Unaudited)
| Description | Six months ended Jun 30, 2026 | Six months ended Jun 30, 2025 |
|---|---|---|
| Operating Activities: | ||
| Net cash from operating activities | 4,603 | 4,760 |
| Investing Activities: | ||
| Net cash from investing activities | (3,663) | 1,362 |
| Financing Activities: | ||
| Net cash from financing activities | 1,283 | (698.0) |
Amounts in millions USD; EPS as reported. Line labels are presentation-friendly mappings of filer XBRL tags — not a re-audit of the full statements. Use EDGAR for interactive notes and detail. Interactive statements & notes on EDGAR ↗