SYF FINANCIAL STATEMENTS

Synchrony Financial — balance sheet, income statement and cash flow trends

SYFSynchrony Financial

🇺🇸 USA · US · Financial Services · Credit Services

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue19.9 B $+1.6%

Gross Profit12.2 B $+39.7%

Operating Income4.6 B $+18.9%

EBITDA5.1 B $+17.8%

Net Income3.6 B $+21.5%

Peer Comparison· Credit Services

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
SYF	—	—	—	18.1%
DSTKF	—	—	—	—
KTLEV	—	—	—	—
ZIP	—	—	—	8.9%
QNBFK	—	—	—	—
GSY	—	—	—	-15.8%
Industry median	—	—	—	10.0%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity16.5 B $14%
Current Liabilities82.9 B $68%
Long-term Liabilities22.1 B $18%

Key Figures

YoY change

Total Assets121.5 B $-0.4%

Total Liabilities105 B $-0.4%

Total Equity16.5 B $-0.6%

Cash & ST Investments20.6 B $-15.6%

Total Debt16.4 B $-3.4%

Net Debt-4.1 B $—

Peer Comparison· Credit Services

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SYF	1.33	99.7%	-0.81	13.6%
DSTKF	—	0.0%	—	—
KTLEV	—	0.0%	—	—
ZIP	788.09	383.4%	11.13	16.7%
QNBFK	—	0.0%	—	—
GSY	—	599.1%	5.42	13.8%
Industry median	1.20	116.1%	2.39	16.4%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SYF	1.33	99.7%	-0.81	13.6%
SOFI	0.17	17.7%	-5.08	20.1%
AFRM	717.01	235.6%	5.32	28.8%
PYPL	1.26	47.0%	0.01	24.9%
ALLY	0.20	138.4%	-2.37	7.9%
FCFS	4.77	113.6%	2.39	42.9%
Industry median	1.20	116.1%	2.39	16.4%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow9.8 B $+0.3%

Capital Expenditures0 $—

Free Cash Flow9.8 B $+0.3%

Dividends Paid-517 M $-208.8%

Peer Comparison· Credit Services

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SYF	49.4%	49.4%	0.0%	273.2%
DSTKF	—	—	—	—
KTLEV	—	—	—	—
ZIP	-0.7%	-0.8%	0.1%	-8.1%
QNBFK	—	—	—	—
GSY	26.0%	-1.5%	1.5%	-165.1%
Industry median	21.2%	17.3%	1.5%	126.3%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SYF	49.4%	49.4%	0.0%	273.2%
SOFI	-44.1%	-49.2%	5.2%	-392.8%
AFRM	25.4%	19.8%	5.6%	264.0%
PYPL	18.9%	16.3%	2.6%	126.3%
ALLY	26.7%	0.1%	26.6%	298.9%
FCFS	15.8%	14.2%	1.6%	172.9%
Industry median	21.2%	17.3%	1.5%	126.3%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
SYF	—	—	—	18.1%
SOFI	—	—	—	11.2%
AFRM	—	—	—	9.6%
PYPL	—	—	—	15.0%
ALLY	—	—	—	8.9%
FCFS	—	—	—	9.1%
Industry median	—	—	—	10.0%