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Financial Statements — SYF

Balance Sheet

(in billions USD)

Metric	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Cash & Equivalents	15.90	16.19	20.56	14.97	16.25	19.46	21.63	14.71	17.93	18.63	20.02	14.26	15.64	12.71	15.30	10.29	11.96	10.68	10.54	8.34
Net Loans & Leases	93.01	91.90	89.66	93.37	89.81	89.21	88.78	93.79	91.16	91.30	90.83	92.42	87.70	85.00	81.61	82.94	76.91	73.87	70.27	72.05
Total Assets	122.47	121.93	121.50	119.10	116.98	120.51	122.03	119.46	119.23	120.49	121.17	117.48	112.94	108.70	107.85	104.56	100.77	95.20	95.27	95.75
Total Deposits	82.95	82.81	82.89	81.14	79.89	82.26	83.44	82.06	82.28	83.10	83.55	81.15	78.07	75.77	74.43	71.74	68.40	64.71	63.58	62.27
Long-term Debt	17.02	16.43	16.43	15.18	14.43	16.01	17.01	15.46	15.63	15.64	16.13	15.98	15.23	14.23	14.93	14.19	14.32	12.16	13.36	14.51
Total Liabilities	105.92	105.03	105.02	102.33	99.92	103.55	105.45	102.88	103.25	104.95	105.89	103.58	99.17	95.32	94.66	91.69	87.75	81.81	81.85	82.09
Retained Earnings	26.72	25.97	25.21	24.60	23.98	23.04	22.21	21.64	20.98	20.31	19.79	18.66	18.34	17.83	17.37	16.72	16.25	15.68	15.00	14.25
Total Stockholder Equity	16.55	16.90	16.48	16.77	17.07	16.95	16.58	16.58	15.98	15.54	15.28	13.90	13.77	13.38	13.19	12.87	13.01	13.39	13.42	13.66

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Income Statement

(in billions USD) (except per-share rows)

Metric	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Interest Expense	--	--	--	--	--	--	--	--	--	--	1.16	1.08	0.99	0.90	0.74	0.60	0.41	0.27	0.23	0.22
Net Interest Income	4.81	4.61	4.64	4.76	4.72	4.52	4.46	4.59	4.61	4.41	4.41	4.47	4.36	4.12	4.05	4.11	3.93	3.80	3.79	3.83
Provision for Credit Losses	1.27	1.20	1.34	1.44	1.15	1.15	1.49	1.56	1.60	1.69	1.88	1.80	1.49	1.38	1.29	1.20	0.93	0.72	0.52	0.56
Non-interest Income	0.11	0.14	0.13	0.13	0.13	0.12	0.15	0.13	0.12	0.12	1.16	0.07	0.09	0.06	0.07	0.03	0.04	0.20	0.11	0.17
Non-interest Expense	1.37	1.33	1.32	1.40	1.25	1.25	1.24	1.27	1.19	1.18	1.21	1.32	1.15	1.17	1.12	1.15	1.06	1.08	1.04	1.12
Pretax Income	1.18	1.19	1.05	0.95	1.43	1.26	0.98	0.97	1.03	0.84	1.71	0.54	0.83	0.74	0.79	0.74	0.92	1.07	1.23	1.05
Tax Provision	0.29	0.30	0.24	0.20	0.35	0.29	0.23	0.20	0.24	0.20	0.42	0.10	0.21	0.17	0.19	0.16	0.22	0.26	0.30	0.23
Net Income	0.89	0.89	0.81	0.75	1.08	0.97	0.76	0.77	0.79	0.64	1.29	0.44	0.63	0.57	0.60	0.58	0.70	0.80	0.93	0.81
Basic EPS	2.71	2.61	2.29	2.07	2.89	2.51	1.91	1.95	1.96	1.56	3.17	1.04	1.49	1.32	1.36	1.31	1.48	1.61	1.79	1.51
Diluted EPS	2.68	2.59	2.27	2.03	2.86	2.50	1.89	1.92	1.94	1.55	3.14	1.04	1.48	1.32	1.35	1.31	1.47	1.60	1.77	1.49

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Cash Flow Statement

(in billions USD)

Metric	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Operating Cash Flow	2.50	2.42	2.18	2.45	2.64	2.56	2.20	2.35	2.76	2.48	2.25	2.32	2.48	1.91	1.89	1.85	1.63	1.82	1.40	2.00
Investing Cash Flow	(2.53)	(5.19)	1.52	(4.64)	(1.57)	(2.24)	3.60	(4.96)	(2.23)	(2.51)	0.80	(7.17)	(2.57)	(5.19)	0.69	(6.86)	(4.14)	(1.05)	1.82	(5.76)
Financing Cash Flow	(0.51)	(0.60)	1.88	0.92	(4.95)	(2.82)	2.12	(0.62)	(1.23)	(1.37)	2.60	3.47	3.03	0.22	2.91	2.38	4.78	(0.90)	(0.98)	2.55

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Dividends Per Share

(USD)

Metric	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Dividends Per Share	0.34	0.30	0.30	0.30	0.30	0.30	0.25	0.25	0.25	0.25	0.25	0.25	0.25	0.23	0.23	0.23	0.23	0.22	0.22	0.22

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