Synchrony Financial【SYF】

Market cap

$25.8B

P/E ratio

	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024
Cash and equivalents	11,828	12,325	9,321	11,602	9,396	12,147	11,524	8,337	10,294	14,259	14,711
Debt securities	-	-	-	-	-	-	-	5,283	4,879	3,799	3,079
Total loan receivables	-	-	-	-	-	-	56,472	60,211	72,638	81,554	83,382
Less: Allowance for credit losses	-	-	-	-	-	-	10,265	8,700	9,500	10,571	10,929
Loan receivables, net	-	-	-	-	-	-	71,602	72,052	82,943	92,417	93,792
Goodwill	949	949	949	991	1,024	1,078	1,078	1,105	1,105	1,018	1,274
Intangible assets, net (Note 7)	519	701	712	749	1,137	1,265	1,125	1,168	1,287	815	854
Other assets	2,431	2,225	2,122	1,605	2,461	2,087	3,145	3,442	4,056	4,915	5,753
Assets held for sale (Note 3)	-	-	-	-	-	-	-	-	-	256	-
Total assets	75,707	84,135	90,207	95,808	106,792	104,826	95,948	95,748	104,564	117,479	119,463
Interest-bearing deposit accounts	34,847	43,295	51,896	56,276	63,738	64,877	62,469	61,911	71,336	80,789	81,664
Non-interest-bearing deposit accounts	108	152	159	212	281	277	313	359	399	364	398
Total deposits	34,955	43,447	52,055	56,488	64,019	65,154	62,782	62,270	71,735	81,153	82,062
Senior Notes	-	6,590	7,759	8,302	9,557	9,454	7,965	7,219	7,964	8,715	7,620
Total borrowings	-	-	20,147	20,799	23,996	19,866	15,775	14,507	14,191	15,982	15,462
Accrued expenses and other liabilities	2,814	3,740	3,809	4,287	4,099	4,718	4,690	5,316	5,765	6,334	5,359
Liabilities held for sale	-	-	-	-	-	-	-	-	-	107	-
Total liabilities	65,229	71,531	76,011	81,574	92,114	89,738	83,247	82,093	91,691	103,576	102,883
Preferred Stock, Value, Issued	-	-	-	-	-	734	734	734	734	734	1,222
Common Stock, Value, Issued	1	1	1	1	1	1	1	1	1	1	1
Additional paid-in capital	9,408	9,351	9,393	9,445	9,482	9,537	9,570	9,669	9,718	9,775	9,853
Retained earnings	1,079	3,293	5,330	6,809	8,986	12,117	10,621	14,245	16,716	18,662	21,635
Debt securities	-	-10	-18	-19	-32	-1	25	4	-93	-33	-23
Currency translation adjustments	-8	-19	-20	-17	-25	-24	-22	-26	-38	-38	-44
Employee benefit plans	-	-	-	-	-	-	-	47	-6	-3	-8
Treasury stock, at cost; 445,723,607 and 427,108,909 shares at December 31, 2024 and 2023, respectively	-	-	475	1,957	3,729	7,243	8,174	10,925	14,171	15,201	16,072
Total equity	10,478	12,604	14,196	14,234	14,678	15,088	12,701	13,655	12,873	13,903	16,580
Total liabilities and equity	75,707	84,135	90,207	95,808	106,792	104,826	95,948	95,748	104,564	117,479	119,463