SYNCHRONY FINANCIAL FY 2025 10-K, explained in plain English
Key financials — as reported
| Total revenue | — not reported |
| Gross margin | — not reported |
| Operating income | — not reported |
| Net income | $3.6B |
| Diluted EPS | $9.28 |
| Cash & equivalents | $15.0B |
| Total assets | $119.1B |
| Long-term debt | $15.2B |
Key takeaway
Synchrony financed $182.3 billion in purchase volume in 2025 across 70.7 million active accounts and $103.8 billion in loan receivables.
🔒 4 more takeaways in the full analysis
Beneath the surface
Cash and equivalents of $14.97 billion plus $2.35 billion in available-for-sale securities roughly offset total long-term debt of $15.18 billion, suggesting the company is not meaningfully net-debt-burdened despite carrying sizable deposits.
🔒 4 more insights a headline reader would miss
This is the free preview. The full analysis explains every line item above and includes 8 more findings — plus insider trades, activist stakes, and 8-K events for SYF.
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