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خلاصه

Synchrony Financial Financial Statements FY2024-FY2026Q3

Synchrony Financial's income statement and balance sheet, FY2024 through FY2026Q3, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K and 10-Q filings and version-controlled i… یادداشت‌های دفتر

وضعیت مالی

ارزش خالص و حساب‌های تشکیل‌دهنده آن

ارزش خالص
دارایی‌ها به‌علاوه بدهی‌ها در ۱۲ ماه گذشته
۱۶٬۵۵۰ MUSD
‎−۲۱۶ MUSDنسبت به ماه قبل
حساب‌ها
مانده فعلی حساب‌های دارایی و بدهی

گردش پول

درآمد و هزینه ماهانه بر اساس دسته حساب

سپتامبر ۲۰۲۶
ورودی پول
سپتامبر ۲۰۲۶
+۴٬۹۱۴ MUSD
منابع اصلی
میانگین حداکثر ۳ دوره پیشین
—
نمایش همه
خروجی پول
سپتامبر ۲۰۲۶
‎−۴٬۰۲۲ MUSD
بیشترین هزینه‌ها
میانگین حداکثر ۳ دوره پیشین
—
نمایش همه

فعالیت اخیر

فعالیت دفتر روزنامه با درنظرگرفتن ثبت‌ها

تراکنش‌ها
جدیدترین تراکنش‌های مطابق فیلترهای فعلی

درآمد در مقابل هزینه‌ها

درآمد در مقابل هزینه‌ها
نمودار میله‌ای مقایسه مجموع درآمد و هزینه‌ها برای هر بازه در دوره انتخابی.
داده‌های دوره‌ای
دورهدرآمدهزینه‌هاسود خالص
2024-12-31۱۹٬۵۳۲ MUSD۱۶٬۰۳۳ MUSD۳٬۴۹۹ MUSD
2025-01-31۰ MUSD۰ MUSD۰ MUSD
2025-02-28۰ MUSD۰ MUSD۰ MUSD
2025-03-31۰ MUSD۰ MUSD۰ MUSD
2025-04-30۰ MUSD۰ MUSD۰ MUSD
2025-05-31۰ MUSD۰ MUSD۰ MUSD
2025-06-30۰ MUSD۰ MUSD۰ MUSD
2025-07-31۰ MUSD۰ MUSD۰ MUSD
2025-08-31۰ MUSD۰ MUSD۰ MUSD
2025-09-30۰ MUSD۰ MUSD۰ MUSD
2025-10-31۰ MUSD۰ MUSD۰ MUSD
2025-11-30۰ MUSD۰ MUSD۰ MUSD
2025-12-31۱۸٬۹۸۶ MUSD۱۵٬۴۳۴ MUSD۳٬۵۵۲ MUSD
2026-01-31۰ MUSD۰ MUSD۰ MUSD
2026-02-28۰ MUSD۰ MUSD۰ MUSD
2026-03-31۰ MUSD۰ MUSD۰ MUSD
2026-04-30۰ MUSD۰ MUSD۰ MUSD
2026-05-31۰ MUSD۰ MUSD۰ MUSD
2026-06-30۰ MUSD۰ MUSD۰ MUSD
2026-07-31۰ MUSD۰ MUSD۰ MUSD
2026-08-31۰ MUSD۰ MUSD۰ MUSD
2026-09-30۴٬۹۱۴ MUSD۴٬۰۲۲ MUSD۸۹۲ MUSD

ترازنامه

توزیع دارایی‌ها
نمایش بصری از ترکیب دارایی‌های Synchrony Financial Financial Statements FY2024-FY2026Q3
جزئیات
حسابمبلغسهم از مجموع قدرمطلق‌ها
Assets:NonCurrent:Loans۱۰۳٬۳۴۶ MUSD۷۲٫۱۹%
Assets:Current:Cash۱۵٬۹۰۱ MUSD۱۱٫۱۱%
Assets:NonCurrent:LoanAllowance‎−۱۰٬۳۴۱ MUSD۷٫۲۲%
Assets:NonCurrent:Other۷٬۶۹۷ MUSD۵٫۳۸%
Assets:Current:ShortTermInvestments۴٬۳۵۶ MUSD۳٫۰۴%
سایر۱٬۵۱۰ MUSD۱٫۰۵%
توزیع بدهی‌ها
نمایش بصری از ترکیب بدهی‌های Synchrony Financial Financial Statements FY2024-FY2026Q3
جزئیات
حسابمبلغسهم از کل
Liabilities:NonCurrent:LongTermDebt۸٬۱۱۰ MUSD۷٫۶۶%
Liabilities:NonCurrent:FundingDebt۸٬۹۱۵ MUSD۸٫۴۲%
Liabilities:Current:Other۵٬۹۴۳ MUSD۵٫۶۱%
Liabilities:Current:Deposits۸۲٬۹۵۱ MUSD۷۸٫۳۲%

جریان نقدینگی

جریان نقدینگی
جریان پول از منابع درآمد به هزینه‌ها و سرمایه‌گذاری‌ها

در حال بارگذاری نقش حساب‌ها…

README.md

Synchrony Financial (SYF) Financial Statements in Beancount — Open Ledger

Synchrony Financial's income statement and balance sheet, FY2024 through FY2026Q3, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K and 10-Q filings and version-controlled in git. Part of the Open Ledger project on beancount.io.

Browse it live: beancount.io/ledger/open_ledger/synchrony

Latest analysis: Synchrony Q3 2026 Earnings: Record $49.7B Volume, Net Income Falls 17% to $892M

Key Figures

PeriodPeriod endRevenueNet income
FY20242024-12-3119,5323,499
FY20252025-12-3118,9863,552
FY2026Q32026-09-304,914892

Amounts in MUSD (millions of US dollars), exactly as the ledger records them.

What's Inside

Fiscal years end December 31. All figures sourced from Synchrony Financial Form 10-K and 10-Q filings (SEC CIK 0001601712). The filing's balance sheet is unclassified, so Current / NonCurrent here are the house hierarchy; loan receivables are carried gross with the allowance as a contra account, deposits and securitization borrowings sit in their own accounts, and preferred stock is folded into common stock and paid-in capital net of treasury stock. History starts at FY2024, the earliest year this bootstrap models, and FY2024 other income holds the $1.1 billion pre-tax Pets Best sale gain.

Quick Start

bash
uvx --from beancount bean-check main.bean
uvx --from beanquery bean-query main.bean \
  "SELECT year, sum(position) WHERE account ~ '^Income:Revenue' GROUP BY year ORDER BY year"

Zero output from bean-check means the ledger is internally consistent: every
income statement sums to zero and every balance-sheet snapshot reconciles to
the filed totals. The query prints revenue by calendar year; income is a
credit, so it shows as a negative number. Open main.bean in Fava
or import it into beancount.io to explore it visually.

Methodology

  • Balance sheet — pad / balance directives assert each period-end
    figure against the filing named in that period file's source banner.
  • Income statement — one zero-sum transaction per period: Income
    negative (credit), Expenses positive (debit), with the arithmetic check in
    a comment directly above it.
  • Unit — MUSD; 4,914 MUSD means 4,914 million US dollars.
  • Additional accounts — Assets:NonCurrent:Loans,
    Assets:NonCurrent:LoanAllowance, Liabilities:Current:Deposits,
    Liabilities:NonCurrent:FundingDebt, Expenses:OperatingExpenses, opened
    beyond the standard chart (see each account's open line in main.bean).
  • Revenue is total net revenue: net interest income plus total other
    income, with interest expense netted and the full walk in each period
    comment. Retailer share arrangements and the provision for credit losses
    share Expenses:CostOfRevenue as labeled postings.
  • FY2026 recast — the 10-Q moved internal-use capitalized software from
    intangible assets to other assets and recast the December 2025
    comparatives; the FY2025 file keeps the 10-K's own presentation and the
    FY2026Q3 file uses the new one. Totals are unaffected.

Analysis

Corrections

Found a figure that does not match the filing? Email
[email protected] with the period, the account
and the filing page. Corrections are committed with the source cited.

About Open Ledger

Open Ledger is a growing library of public-company financial statements
published as plain-text accounting at
beancount.io/ledger — git-versioned, diffable
across companies, and auditable against primary filings. Read the analysis
behind the numbers on the beancount.io blog.

Disclaimer

This ledger is an independent reconstruction of Synchrony Financial's publicly filed
financial statements, provided for educational and informational purposes
only. It is not investment, financial, legal, tax, or accounting advice, and
is not an offer or recommendation to buy or sell any security. Beancount.io is
not affiliated with, endorsed by, or sponsored by Synchrony Financial; all trademarks
belong to their respective owners. Figures may contain errors, omissions, or
simplifications and may lag the latest filings — the company's own regulatory
filings are the authoritative source. Provided "as is" without warranty of any
kind; use at your own risk.