Synchrony Financial Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Jan '26 Jan 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Market Capitalization	19,981	25,593	24,444	14,297	13,853	22,323	Upgrade
Market Cap Growth	-18.45%	4.70%	70.97%	3.21%	-37.94%	34.76%	Upgrade
Last Close Price	63.75	68.56	62.62	30.81	34.85	36.85	Upgrade
PE Ratio	6.76	8.66	7.39	7.20	4.98	6.08	Upgrade
PS Ratio	2.40	3.08	2.70	2.06	1.78	2.68	Upgrade
PB Ratio	1.40	1.79	1.53	1.14	1.15	1.86	Upgrade
P/OCF Ratio	2.38	3.05	2.57	1.84	2.21	3.58	Upgrade
Debt / Equity Ratio	0.91	0.91	0.93	1.15	1.10	1.06	Upgrade
Net Debt / Equity Ratio	0.01	0.01	0.05	0.12	0.30	0.45	Upgrade
Return on Equity (ROE)	21.30%	21.30%	22.96%	16.72%	22.74%	32.03%	Upgrade
Return on Assets (ROA)	2.98%	2.98%	2.95%	2.02%	3.01%	4.40%	Upgrade
Earnings Yield	14.79%	11.82%	13.83%	14.16%	20.37%	16.63%	Upgrade
Dividend Yield	1.62%	1.43%	1.54%	2.82%	2.42%	2.10%	Upgrade
Payout Ratio	14.36%	14.36%	13.43%	20.02%	15.78%	12.84%	Upgrade
Buyback Yield / Dilution	6.67%	6.67%	5.41%	12.39%	15.09%	3.64%	Upgrade
Total Shareholder Return	8.29%	8.09%	6.95%	15.21%	17.51%	5.74%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.