What changed in Synchrony Financial's latest annual report
In the year ended 31 Dec 2025, Synchrony Financial's net income rose 1.5% to USD 3.55bn, from USD 3.50bn; long-term debt fell 1.8% to USD 15.18bn, from USD 15.46bn; cash and cash equivalents rose 1.8% to USD 14.97bn, from USD 14.71bn.
Year ended 31 Dec 2025. Source: 10-K filed 6 Feb 2026, read it on SEC EDGAR.
USD 15.46bn to USD 15.18bn
The figures, year on year
| Item | Year before | Latest year | Change |
|---|---|---|---|
| Net income | 3.50bn | 3.55bn | Up 1.5% |
| Total assets | 119.46bn | 119.09bn | Down 0.3% |
| Total liabilities | 102.88bn | 102.33bn | Down 0.5% |
| Long-term debt | 15.46bn | 15.18bn | Down 1.8% |
| Cash and cash equivalents | 14.71bn | 14.97bn | Up 1.8% |
| Shareholders' equity | 16.58bn | 16.77bn | Up 1.1% |
Questions people ask
Is Synchrony Financial profitable?
Yes. Net income was USD 3.55bn in the year ended 31 Dec 2025. The year before: USD 3.50bn.
How much cash and debt does Synchrony Financial have?
At its latest year end (31 Dec 2025), Synchrony Financial reported cash and cash equivalents of USD 14.97bn and long-term debt of USD 15.18bn.
Where do these numbers come from?
From Synchrony Financial's own annual filings with the SEC. Each change is calculated from the reported figures; nothing is estimated.
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