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SYF CIK 0001601712

Source: EDGAR filings · raw companyfacts JSON · Built 2026-04-25T10:17:51Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Debt 209.00M 751.00M 1.72B 3.90B 6.17B 4.25B
Return on Equity (ROE) 21.19% 21.10% 16.10% 23.43% 30.91% 10.90%
Return on Assets (ROA) 2.98% 2.93% 1.91% 2.88% 4.41% 1.44%
Debt-to-Equity 0.9055 0.9326 1.1495 1.1024 1.0624 1.242
Effective Tax Rate 23.13% 23.15% 22.93% 23.88% 23.30% 22.93%
Cash Conversion Ratio 2.7734 2.8145 3.8396 2.2195 1.6818 5.4058
Accruals Ratio -0.0529 -0.0531 -0.0541 -0.0352 -0.0301 -0.0636

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 8.9903 7.6023 7.3584 5.3431 6.3202 15.2907
P/B 1.7267 1.5211 1.1176 1.1186 1.7898 1.596

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Income Tax Expense (Benefit) 1.07B 1.05B 666.00M 946.00M 1.28B 412.00M
Net Income (Loss) Attributable to Parent 3.55B 3.50B 2.24B 3.02B 4.22B 1.39B
Earnings Per Share, Basic $9.38 $8.64 $5.21 $6.19 $7.40 $2.28
Weighted Average Number of Shares Outstanding, Basic 369.90M 396.50M 421.20M 480.40M 564.60M 589.00M
Earnings Per Share, Diluted $9.28 $8.55 $5.19 $6.15 $7.34 $2.27
Weighted Average Number of Shares Outstanding, Diluted 373.90M 400.60M 423.50M 483.40M 569.30M 590.80M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 14.97B 14.71B 14.26B 10.29B 8.34B 11.52B
Assets 119.09B 119.46B 117.48B 104.56B 95.75B 95.95B
Long-term Debt 15.18B 15.46B 15.98B 14.19B 14.51B 15.78B
Liabilities 102.33B 102.88B 103.58B 91.69B 82.09B 83.25B
Stockholders' Equity Attributable to Parent 16.77B 16.58B 13.90B 12.87B 13.65B 12.70B
Common Stock, Shares, Outstanding 347.00M 388.00M 406.88M 438.22M 526.83M 584.01M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 9.85B 9.85B 8.59B 6.69B 7.10B 7.49B
Net Cash Provided by (Used in) Investing Activities -4.85B -8.90B -14.23B -10.23B -4.81B -498.00M
Payments for Repurchase of Common Stock 2.94B 1.01B 1.11B 3.32B 2.88B 985.00M
Net Cash Provided by (Used in) Financing Activities -4.74B -611.00M 9.63B 5.28B -5.20B -8.03B

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

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Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

Income Statement

25 concepts 3 units
Unit US$ · 18 concepts
Label Value Period
Interest and Fee Income, Loans and Leases 5.41B 2026-01-01 → 2026-03-31
Interest Income, Operating 5.60B 2026-01-01 → 2026-03-31
Interest Expense, Deposits 770.00M 2026-01-01 → 2026-03-31
InterestExpenseOperating 968.00M 2026-01-01 → 2026-03-31
Interest Income (Expense), Net 4.63B 2026-01-01 → 2026-03-31
Financing Receivable, Credit Loss, Expense (Reversal) 1.33B 2026-01-01 → 2026-03-31
Noninterest Income, Other Operating Income 69.00M 2026-01-01 → 2026-03-31
Noninterest Income 133.00M 2026-01-01 → 2026-03-31
Professional Fees 209.00M 2026-01-01 → 2026-03-31
Information Technology and Data Processing 262.00M 2026-01-01 → 2026-03-31
Labor and Related Expense 515.00M 2026-01-01 → 2026-03-31
Other Noninterest Expense 216.00M 2026-01-01 → 2026-03-31
Noninterest Expense 1.32B 2026-01-01 → 2026-03-31
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 1.05B 2026-01-01 → 2026-03-31
Income Tax Expense (Benefit) 242.00M 2026-01-01 → 2026-03-31
Net Income (Loss) Attributable to Parent 805.00M 2026-01-01 → 2026-03-31
Preferred Stock Dividends, Income Statement Impact 21.00M 2026-01-01 → 2026-03-31
Net Income (Loss) Available to Common Stockholders, Basic 784.00M 2026-01-01 → 2026-03-31
Unit shares · 4 concepts
Label Value Period
Weighted Average Number of Shares Outstanding, Basic 342.40M 2026-01-01 → 2026-03-31
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount 0 2026-01-01 → 2026-03-31
Weighted Average Number of Shares Outstanding, Diluted 346.00M 2026-01-01 → 2026-03-31
Weighted Average Number Diluted Shares Outstanding Adjustment 3.60M 2026-01-01 → 2026-03-31
Unit US$ / share · 3 concepts
Label Value Period
Earnings Per Share, Basic $2.29 2026-01-01 → 2026-03-31
Earnings Per Share, Diluted $2.27 2026-01-01 → 2026-03-31
Common Stock, Dividends, Per Share, Declared $0.30 2026-01-01 → 2026-03-31

Comprehensive Income

5 concepts 1 unit

Balance Sheet

39 concepts 3 units
Unit US$ · 30 concepts
Label Value Period
Cash and Cash Equivalents, at Carrying Value 20.56B as of 2026-03-31
Debt Securities, Available-for-sale 3.04B as of 2026-03-31
Financing Receivable, before Allowance for Credit Loss 100.08B as of 2026-03-31
Financing Receivable, Allowance for Credit Loss 10.43B as of 2026-03-31
Financing Receivable, after Allowance for Credit Loss 89.66B as of 2026-03-31
Other Assets 5.66B as of 2026-03-31
Deposits, Savings Deposits 30.14B as of 2026-03-31
Deposits 82.89B as of 2026-03-31
Noninterest-bearing Deposit Liabilities 416.00M as of 2026-03-31
Interest-bearing Deposit Liabilities 82.48B as of 2026-03-31
Goodwill 1.36B as of 2026-03-31
Finite-Lived Intangible Assets, Gross 3.39B as of 2026-03-31
Finite-Lived Intangible Assets, Accumulated Amortization 2.17B as of 2026-03-31
Finite-Lived Intangible Assets, Net 1.22B as of 2026-03-31
Contract with Customer, Liability 1.70B as of 2026-03-31
Amortization Method Qualified Affordable Housing Project Investments 903.00M as of 2026-03-31
Assets 121.50B as of 2026-03-31
Senior Notes 7.51B as of 2026-03-31
Long-term Debt 16.43B as of 2026-03-31
Liabilities 105.02B as of 2026-03-31
Preferred Stock, Value, Issued 1.22B as of 2026-03-31
Common Stock, Value, Issued 1.00M as of 2026-03-31
Additional Paid in Capital 9.84B as of 2026-03-31
Treasury Stock, Value 19.74B as of 2026-03-31
Accumulated Other Comprehensive Income (Loss), Foreign Currency Translation Adjustment, Net of Tax -52.00M as of 2026-03-31
AOCI, Debt Securities, Available-for-sale, Adjustment, after Tax -12.00M as of 2026-03-31
Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after Tax -8.00M as of 2026-03-31
Retained Earnings (Accumulated Deficit) 25.21B as of 2026-03-31
Stockholders' Equity Attributable to Parent 16.48B as of 2026-03-31
Liabilities and Equity 121.50B as of 2026-03-31
Unit shares · 7 concepts
Label Value Period
Preferred Stock, Shares Authorized 300.00M as of 2026-03-31
Preferred Stock, Shares Issued 1.25M as of 2026-03-31
Preferred Stock, Shares Outstanding 1.25M as of 2026-03-31
Common Stock, Shares Authorized 4.00B as of 2026-03-31
Common Stock, Shares, Issued 834.00M as of 2026-03-31
Common Stock, Shares, Outstanding 337.00M as of 2026-03-31
Treasury Stock, Common, Shares 497.00M as of 2026-03-31
Unit US$ / share · 2 concepts
Label Value Period
Preferred Stock, Par or Stated Value Per Share $0.00 as of 2026-03-31
Common Stock, Par or Stated Value Per Share $0.00 as of 2026-03-31

Cash Flow Statement

23 concepts 1 unit
Unit US$ · 23 concepts
Label Value Period
Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities -312.00M 2026-01-01 → 2026-03-31
Depreciation, Depletion and Amortization 143.00M 2026-01-01 → 2026-03-31
Deferred Income Tax Expense (Benefit) 28.00M 2026-01-01 → 2026-03-31
Increase (Decrease) in Other Operating Assets -102.00M 2026-01-01 → 2026-03-31
Increase (Decrease) in Other Operating Assets and Liabilities, Net -206.00M 2026-01-01 → 2026-03-31
Net Cash Provided by (Used in) Operating Activities 2.18B 2026-01-01 → 2026-03-31
Payments to Acquire Debt Securities, Available-for-sale 1.19B 2026-01-01 → 2026-03-31
Payments for (Proceeds from) Loans and Leases -2.36B 2026-01-01 → 2026-03-31
Proceeds from Sale and Maturity of Debt Securities, Available-for-sale 500.00M 2026-01-01 → 2026-03-31
Increase (Decrease) in Deposits 1.75B 2026-01-01 → 2026-03-31
Payments for (Proceeds from) Other Investing Activities 144.00M 2026-01-01 → 2026-03-31
Net Cash Provided by (Used in) Investing Activities 1.52B 2026-01-01 → 2026-03-31
Proceeds from Issuance of Secured Debt 498.00M 2026-01-01 → 2026-03-31
Proceeds from Issuance of Unsecured Debt 745.00M 2026-01-01 → 2026-03-31
Repayments of Secured Debt 0 2026-01-01 → 2026-03-31
Repayments of Unsecured Debt 0 2026-01-01 → 2026-03-31
Payments for Repurchase of Common Stock 900.00M 2026-01-01 → 2026-03-31
Payments of Ordinary Dividends, Common Stock 104.00M 2026-01-01 → 2026-03-31
Payments of Ordinary Dividends, Preferred Stock and Preference Stock 21.00M 2026-01-01 → 2026-03-31
Proceeds from (Payments for) Other Financing Activities -87.00M 2026-01-01 → 2026-03-31
Net Cash Provided by (Used in) Financing Activities 1.88B 2026-01-01 → 2026-03-31
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect 5.59B 2026-01-01 → 2026-03-31
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents 20.60B as of 2026-03-31

Notes

55 concepts 4 units
Unit US$ · 45 concepts
Label Value Period
Affordable Housing Tax Credits and Other Tax Benefits, Amount 49.00M 2026-01-01 → 2026-03-31
Amortization Method Qualified Affordable Housing Project Investments, Amortization 40.00M 2026-01-01 → 2026-03-31
Equity Securities without Readily Determinable Fair Value, Amount 268.00M as of 2026-03-31
Dividends, Common Stock, Cash 104.00M 2026-01-01 → 2026-03-31
Time Deposits, at or Above FDIC Insurance Limit 12.80B as of 2026-03-31
Accrued Liabilities and Other Liabilities 5.70B as of 2026-03-31
TimeDepositLiabilityUninsured 4.40B as of 2026-03-31
Financing Receivable, 90 Days or More Past Due, Still Accruing 2.24B as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Amortized Cost 3.06B as of 2026-03-31
Treasury Stock, Value, Acquired, Cost Method 907.00M 2026-01-01 → 2026-03-31
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost 1.33B as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost 1.41B as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Amortized Cost 134.00M as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost 187.00M as of 2026-03-31
Interest-bearing Domestic Deposit, Certificates of Deposits 43.63B as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value 3.04B as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value 1.33B as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value 1.41B as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value 124.00M as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value 176.00M as of 2026-03-31
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 2.00M as of 2026-03-31
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 22.00M as of 2026-03-31
APIC, Share-based Payment Arrangement, Recognition and Exercise -54.00M 2026-01-01 → 2026-03-31
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax 8.00M as of 2026-03-31
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax 24.00M as of 2026-03-31
Time Deposit Maturities, Year One 12.73B as of 2026-03-31
Time Deposit Maturities, Year Two 2.39B as of 2026-03-31
Time Deposit Maturities, Year Three 1.26B as of 2026-03-31
Time Deposit Maturities, Year Four 2.08B as of 2026-03-31
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months 1.20B as of 2026-03-31
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer 219.00M as of 2026-03-31
Financing Receivable, Allowance for Credit Loss, Purchased with Credit Deterioration, Increase 0 2026-01-01 → 2026-03-31
Financing Receivable, Allowance for Credit Loss, Recovery 430.00M 2026-01-01 → 2026-03-31
Financing Receivable, Allowance for Credit Loss, Writeoff 1.78B 2026-01-01 → 2026-03-31
Time Deposit Maturities, Remainder of Fiscal Year 27.99B as of 2026-03-31
Financing Receivable, Troubled Debt Restructuring, Subsequent Default 102.00M 2026-01-01 → 2026-03-31
Equity Securities without Readily Determinable Fair Value, Downward Price Adjustment, Cumulative Amount 10.00M as of 2026-03-31
Equity Securities without Readily Determinable Fair Value, Upward Price Adjustment, Cumulative Amount 201.00M as of 2026-03-31
Equity Securities without Readily Determinable Fair Value, Downward Price Adjustment, Annual Amount 0 2026-01-01 → 2026-03-31
Equity Securities without Readily Determinable Fair Value, Upward Price Adjustment, Annual Amount 0 2026-01-01 → 2026-03-31
Finite-lived Intangible Assets Acquired 73.00M 2026-01-01 → 2026-03-31
Unrecognized Tax Benefits 228.00M as of 2026-03-31
Unrecognized Tax Benefits that Would Impact Effective Tax Rate 180.00M as of 2026-03-31
Financing Receivable, Nonaccrual 46.00M as of 2026-03-31
Debt Securities, Available-for-sale, Amortized Cost 3.06B as of 2026-03-31
Unit pure · 7 concepts
Label Value Period
Financing Receivable, Nonaccrual, Percent Past Due 0 as of 2026-03-31
FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification 0.97 2026-01-01 → 2026-03-31
DebtSecuritiesAvailableForSaleWeightedAverageYield 0.039 as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Rolling within One Year, Weighted Average Yield 0.04 as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Rolling after One Through Five Years, Weighted Average Yield 0.04 as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Rolling after Five Through Ten Years, Weighted Average Yield 0.014 as of 2026-03-31
Debt Securities, Available-for-sale, Maturity, Rolling after 10 Years, Weighted Average Yield 0.04 as of 2026-03-31
Unit security · 1 concept
Label Value Period
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions 233 as of 2026-03-31
Unit segment · 2 concepts
Label Value Period
Number of Operating Segments 1 2026-01-01 → 2026-03-31
Number of Reportable Segments 1 2026-01-01 → 2026-03-31

Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (SYF CIK 0001601712), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.