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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… Заметки книги

Финансовое положение

Чистая стоимость и составляющие её счета

Чистая стоимость
Активы плюс обязательства за последние 12 месяцев
16 550 MUSD
-216 MUSDпо сравнению с прошлым месяцем
Счета
Текущие остатки по счетам активов и обязательств

Движение денег

Ежемесячные доходы и расходы по категориям счетов

сентябрь 2026 г.
Поступления
сентябрь 2026 г.
+4 914 MUSD
Основные источники
Среднее не более чем за 3 предыдущих периода
—
Показать все
Списания
сентябрь 2026 г.
-4 022 MUSD
Основные расходы
Среднее не более чем за 3 предыдущих периода
—
Показать все

Последние операции

Операции журнала с учётом проводок

Транзакции
Новые транзакции по текущим фильтрам

Доход vs Expenses

Доход vs Expenses
Столбчатая диаграмма сравнения общих доходов и расходов за каждый интервал выбранного периода.
Данные по периодам
ПериодДоходыРасходыЧистая прибыль
2024-12-3119 532 MUSD16 033 MUSD3 499 MUSD
2025-01-310 MUSD0 MUSD0 MUSD
2025-02-280 MUSD0 MUSD0 MUSD
2025-03-310 MUSD0 MUSD0 MUSD
2025-04-300 MUSD0 MUSD0 MUSD
2025-05-310 MUSD0 MUSD0 MUSD
2025-06-300 MUSD0 MUSD0 MUSD
2025-07-310 MUSD0 MUSD0 MUSD
2025-08-310 MUSD0 MUSD0 MUSD
2025-09-300 MUSD0 MUSD0 MUSD
2025-10-310 MUSD0 MUSD0 MUSD
2025-11-300 MUSD0 MUSD0 MUSD
2025-12-3118 986 MUSD15 434 MUSD3 552 MUSD
2026-01-310 MUSD0 MUSD0 MUSD
2026-02-280 MUSD0 MUSD0 MUSD
2026-03-310 MUSD0 MUSD0 MUSD
2026-04-300 MUSD0 MUSD0 MUSD
2026-05-310 MUSD0 MUSD0 MUSD
2026-06-300 MUSD0 MUSD0 MUSD
2026-07-310 MUSD0 MUSD0 MUSD
2026-08-310 MUSD0 MUSD0 MUSD
2026-09-304 914 MUSD4 022 MUSD892 MUSD

Бухгалтерский баланс

Распределение активов
Визуальное представление состава Synchrony Financial Financial Statements FY2024-FY2026Q3 активов
Распределение
СчётСуммаДоля от суммы абсолютных значений
Assets:NonCurrent:Loans103 346 MUSD72,19%
Assets:Current:Cash15 901 MUSD11,11%
Assets:NonCurrent:LoanAllowance-10 341 MUSD7,22%
Assets:NonCurrent:Other7 697 MUSD5,38%
Assets:Current:ShortTermInvestments4 356 MUSD3,04%
Прочее1 510 MUSD1,05%
Распределение обязательств
Визуальное представление состава Synchrony Financial Financial Statements FY2024-FY2026Q3 обязательств
Распределение
СчётСуммаДоля от общей суммы
Liabilities:NonCurrent:LongTermDebt8 110 MUSD7,66%
Liabilities:NonCurrent:FundingDebt8 915 MUSD8,42%
Liabilities:Current:Other5 943 MUSD5,61%
Liabilities:Current:Deposits82 951 MUSD78,32%

Денежный поток

Денежный поток
Поток денег от источников дохода к расходам и инвестициям

Загрузка ролей счетов…

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.