Synchrony Financial: 10-Q filed 2025-10-22
What Synchrony Financial reported in its quarterly report filed 2025-10-22 (fiscal Q3 2025): 26 published measures, 83 facts as tagged in accession 0001601712-25-000259.
This filing
- Form
- 10-Q (quarterly report)
- Filed
- 2025-10-22
- Fiscal period
- fiscal Q3 2025
- Accession
- 0001601712-25-000259 on SEC EDGAR
Values are as tagged in this filing. A later filing can restate them; each measure links to its history page, which shows the latest-filed value per period. All Synchrony Financial filings.
Reported measures
Total assets
Resources recognized on the balance sheet. Book assets are not the market value of the business.
| Period | Value | Unit | Days |
|---|---|---|---|
| At 2025-09-30 | 116,984,000,000 | USD | |
| At 2024-12-31 | 119,463,000,000 | USD |
Total liabilities
Recognized obligations at the reporting date. The definition and scope differ from interest-bearing debt.
| Period | Value | Unit | Days |
|---|---|---|---|
| At 2025-09-30 | 99,919,000,000 | USD | |
| At 2024-12-31 | 102,883,000,000 | USD |
Stockholders equity
The reported residual interest after liabilities. It is an accounting amount, not market capitalization.
| Period | Value | Unit | Days |
|---|---|---|---|
| At 2025-09-30 | 17,065,000,000 | USD | |
| At 2025-06-30 | 16,952,000,000 | USD | |
| At 2025-03-31 | 16,581,000,000 | USD | |
| At 2024-12-31 | 16,580,000,000 | USD | |
| At 2024-09-30 | 15,980,000,000 | USD | |
| At 2024-06-30 | 15,540,000,000 | USD | |
| At 2024-03-31 | 15,282,000,000 | USD | |
| At 2023-12-31 | 13,903,000,000 | USD |
Cash and cash equivalents
Cash and qualifying short-term liquid investments under the filer’s accounting policy. Restricted cash and longer-term investments may be reported separately.
| Period | Value | Unit | Days |
|---|---|---|---|
| At 2025-09-30 | 16,245,000,000 | USD | |
| At 2024-12-31 | 14,711,000,000 | USD | |
| At 2024-09-30 | 17,934,000,000 | USD |
Net income or loss
Reported profit or loss for the period. Check the filing for attribution, exceptional items and discontinued operations before comparing companies.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-07-01 to 2025-09-30 | 1,077,000,000 | USD | 92 |
| 2025-01-01 to 2025-09-30 | 2,801,000,000 | USD | 273 |
| 2025-04-01 to 2025-06-30 | 967,000,000 | USD | 91 |
| 2025-01-01 to 2025-03-31 | 757,000,000 | USD | 90 |
| 2024-07-01 to 2024-09-30 | 789,000,000 | USD | 92 |
| 2024-01-01 to 2024-09-30 | 2,725,000,000 | USD | 274 |
| 2024-04-01 to 2024-06-30 | 643,000,000 | USD | 91 |
| 2024-01-01 to 2024-03-31 | 1,293,000,000 | USD | 91 |
Operating cash flow
Cash generated or used by operating activities. Working-capital timing can make this differ substantially from reported income.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-01-01 to 2025-09-30 | 7,397,000,000 | USD | 273 |
| 2024-01-01 to 2024-09-30 | 7,495,000,000 | USD | 274 |
Financing cash flow
Net cash from financing activities, including borrowing, repayments and transactions with owners. A positive amount does not establish operating profitability.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-01-01 to 2025-09-30 | -5,653,000,000 | USD | 273 |
| 2024-01-01 to 2024-09-30 | 6,000,000 | USD | 274 |
Investing cash flow
Net cash from investing activities, including asset purchases, disposals and investment transactions. This differs from capital expenditure payments alone.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-01-01 to 2025-09-30 | -212,000,000 | USD | 273 |
| 2024-01-01 to 2024-09-30 | -3,940,000,000 | USD | 274 |
Retained earnings or deficit
Accumulated undistributed earnings or deficit at the reporting date. This balance is not cash available for distribution.
| Period | Value | Unit | Days |
|---|---|---|---|
| At 2025-09-30 | 23,978,000,000 | USD | |
| At 2024-12-31 | 21,635,000,000 | USD |
Basic weighted-average shares
Time-weighted shares used for basic earnings per share. This denominator differs from shares outstanding at a single reporting date.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-07-01 to 2025-09-30 | 365,900,000 | shares | 92 |
| 2025-01-01 to 2025-09-30 | 375,700,000 | shares | 273 |
| 2024-07-01 to 2024-09-30 | 392,300,000 | shares | 92 |
| 2024-01-01 to 2024-09-30 | 398,700,000 | shares | 274 |
Diluted weighted-average shares
Weighted-average shares used for diluted earnings per share. Potential shares are included under the applicable dilution rules, not simply added to outstanding shares.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-07-01 to 2025-09-30 | 369,900,000 | shares | 92 |
| 2025-01-01 to 2025-09-30 | 379,400,000 | shares | 273 |
| 2024-07-01 to 2024-09-30 | 396,500,000 | shares | 92 |
| 2024-01-01 to 2024-09-30 | 402,400,000 | shares | 274 |
Basic earnings per share
Reported earnings or loss per basic common share or unit. Inspect attribution, share classes and restatements before comparing periods. This is not a market return.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-07-01 to 2025-09-30 | 2.89 | USD/shares | 92 |
| 2025-01-01 to 2025-09-30 | 7.29 | USD/shares | 273 |
| 2024-07-01 to 2024-09-30 | 1.96 | USD/shares | 92 |
| 2024-01-01 to 2024-09-30 | 6.71 | USD/shares | 274 |
Diluted earnings per share
Reported earnings or loss per share under dilution rules. Antidilutive instruments may be excluded. A diluted value can equal the basic value without implying no potential dilution.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-07-01 to 2025-09-30 | 2.86 | USD/shares | 92 |
| 2025-01-01 to 2025-09-30 | 7.22 | USD/shares | 273 |
| 2024-07-01 to 2024-09-30 | 1.94 | USD/shares | 92 |
| 2024-01-01 to 2024-09-30 | 6.65 | USD/shares | 274 |
Income tax expense or benefit
Current and deferred income tax expense or benefit for continuing operations. This accounting expense differs from cash taxes paid.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-07-01 to 2025-09-30 | 352,000,000 | USD | 92 |
| 2025-01-01 to 2025-09-30 | 868,000,000 | USD | 273 |
| 2024-07-01 to 2024-09-30 | 239,000,000 | USD | 92 |
| 2024-01-01 to 2024-09-30 | 855,000,000 | USD | 274 |
Goodwill carrying amount
Recognized goodwill remaining after accumulated impairment. It arises from business combinations and does not measure the current value of the company’s brand.
| Period | Value | Unit | Days |
|---|---|---|---|
| At 2025-09-30 | 1,274,000,000 | USD | |
| At 2024-12-31 | 1,274,000,000 | USD |
Net finite-lived intangible assets
Finite-lived intangible assets after amortization. This excludes goodwill and should not be combined with indefinite-lived intangible assets without checking scope.
| Period | Value | Unit | Days |
|---|---|---|---|
| At 2025-09-30 | 909,000,000 | USD | |
| At 2024-12-31 | 854,000,000 | USD |
Common-stock repurchase payments
Cash paid to reacquire common stock during the period. This is not an authorization limit or a direct measure of the net change in share count.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-01-01 to 2025-09-30 | 1,979,000,000 | USD | 273 |
| 2024-01-01 to 2024-09-30 | 907,000,000 | USD | 274 |
Common shares outstanding
Common shares outstanding at the reporting date. This point-in-time count differs from the weighted-average shares used for earnings per share and can exclude other share classes.
| Period | Value | Unit | Days |
|---|---|---|---|
| At 2025-09-30 | 360,143,330 | shares | |
| At 2024-12-31 | 388,261,077 | shares |
Cash including restricted cash
Cash, cash equivalents and restricted cash as reported in the cash flow reconciliation. Restricted amounts are not freely available, so this is not the same as unrestricted cash.
| Period | Value | Unit | Days |
|---|---|---|---|
| At 2025-09-30 | 16,287,000,000 | USD | |
| At 2024-12-31 | 14,755,000,000 | USD | |
| At 2024-09-30 | 17,981,000,000 | USD | |
| At 2023-12-31 | 14,420,000,000 | USD |
Additional paid-in capital
Capital contributed above par value under this concept. It records historical contributions, not the current value of the equity or cash on hand.
| Period | Value | Unit | Days |
|---|---|---|---|
| At 2025-09-30 | 9,866,000,000 | USD | |
| At 2024-12-31 | 9,853,000,000 | USD |
Long-term debt
Long-term borrowings under this concept, which can include the current portion depending on presentation. It is not total liabilities and may exclude leases and other obligations.
| Period | Value | Unit | Days |
|---|---|---|---|
| At 2025-09-30 | 14,431,000,000 | USD | |
| At 2024-12-31 | 15,462,000,000 | USD |
Pre-tax income or loss from continuing operations
Income or loss from continuing operations before income taxes and noncontrolling interests. It excludes discontinued operations and is not net income.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-07-01 to 2025-09-30 | 1,429,000,000 | USD | 92 |
| 2025-01-01 to 2025-09-30 | 3,669,000,000 | USD | 273 |
| 2024-07-01 to 2024-09-30 | 1,028,000,000 | USD | 92 |
| 2024-01-01 to 2024-09-30 | 3,580,000,000 | USD | 274 |
Comprehensive income or loss
Net income plus other comprehensive income after tax. It includes unrealized items that net income excludes and is not a cash measure.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-07-01 to 2025-09-30 | 1,076,000,000 | USD | 92 |
| 2025-01-01 to 2025-09-30 | 2,814,000,000 | USD | 273 |
| 2024-07-01 to 2024-09-30 | 812,000,000 | USD | 92 |
| 2024-01-01 to 2024-09-30 | 2,743,000,000 | USD | 274 |
Net income available to common stockholders
Net income after preferred dividends and similar adjustments, the numerator for basic earnings per share. It can be lower than reported net income.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-07-01 to 2025-09-30 | 1,057,000,000 | USD | 92 |
| 2025-01-01 to 2025-09-30 | 2,739,000,000 | USD | 273 |
| 2024-07-01 to 2024-09-30 | 768,000,000 | USD | 92 |
| 2024-01-01 to 2024-09-30 | 2,674,000,000 | USD | 274 |
Depreciation, depletion and amortization
Combined depreciation, depletion and amortization for the period. A noncash allocation of asset cost, not a measure of maintenance spending.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-01-01 to 2025-09-30 | 375,000,000 | USD | 273 |
| 2024-01-01 to 2024-09-30 | 361,000,000 | USD | 274 |
Deferred income tax expense or benefit
The deferred portion of income tax expense or benefit, arising from timing differences. It is not tax paid in the period.
| Period | Value | Unit | Days |
|---|---|---|---|
| 2025-01-01 to 2025-09-30 | 171,000,000 | USD | 273 |
| 2024-01-01 to 2024-09-30 | -80,000,000 | USD | 274 |
Inspect the source
- Entity
- Synchrony Financial / CIK 0001601712
- Captured
- 2026-09-20T09:25:27.064Z
- SEC response SHA-256
67f5bedaea7e4766a6632d790fc78cf507138e8b5b4ec3fb22a3609b73a0efe6
Current SEC company facts · Download the original response snapshot (gzip) · Download the selected JSON
Every published concept a filing tagged, with the periods it covered, as reported in that filing at capture time. Forms 10-K, 10-K/A, 10-Q, 10-Q/A, 20-F, 20-F/A, 40-F, 40-F/A. A filing page needs at least 8 published concepts. Later filings can restate these values; the company history pages show the latest-filed value per period.
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import json
from urllib.request import urlopen
with urlopen("https://canlicapital.com/company-data/0001601712.json") as response:
record = json.load(response)
print(record["fetched_at"])
print(record["policy"])
for concept in record["concepts"]:
print(concept["tag"], next(iter(concept["observations"])))