SYFLOW SIGNALFINANCIAL10-K
Synchrony Financial's 2025 10-K shows modest operational changes with slight decreases in loan receivables to $103.8 billion and active accounts to 70.7 million, while deposits decreased to $81.1 billion.
The filing reflects typical year-over-year adjustments in SYF's core lending metrics, with loan receivables declining by approximately $0.9 billion and active accounts dropping by 0.8 million accounts. These changes represent normal fluctuations in the consumer lending business and suggest stable operational performance with no material shifts in the company's business model or risk profile.
Comparing 2026-02-06 vs 2025-02-07View on EDGAR →
LANGUAGE CHANGES
NEW — 2026-02-06
PRIOR — 2025-02-07
ADDED
Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 153 - 154 Item 7.
Management's Discussion and Analysis of Financial Condition and Results of Operations 25 - 50, 53 - 57 Item 7A.
During 2025, we financed $182.3 billion of purchase volume, and at December 31, 2025, we had $103.8 billion of loan receivables and 70.7 million active accounts.
At December 31, 2025, we had $81.1 billion in deposits, which represented 84% of our total funding sources.
Home Auto accounted for $5.7 billion, or 26%, of our total interest and fees on loans for the year ended December 31, 2025.
At December 31, 2025, the length of our relationship with each of our five largest partners was over 10 years, and in the case of Lowe's, 46 years.
Digital accounted for $6.4 billion, or 30%, of our total interest and fees on loans for the year ended December 31, 2025.
The Digital sales platform maintains strong alignment with its partners, including several well-established long-standing relationships.
At December 31, 2025, the length of our relationship with each of our three largest partners was over 10 years, and in the case of PayPal, 21 years.
Diversified Value Our Diversified Value sales platform provides comprehensive payments and financing solutions with integrated in-store and digital experiences through large retail partners who deliver everyday value to consumers shopping for daily needs or important life moments.
REMOVED
Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 156 - 157 Item 7.
Management's Discussion and Analysis of Financial Condition and Results of Operations 25 - 52, 55 - 59 Item 7A.
Industry and Market Data This report contains various historical and projected financial information concerning our industry and market.
6 OUR BUSINESS Our Company ____________________________________________________________________________________________ We are a premier consumer financial services company delivering one of the industry's most complete digitally-enabled product suites.
During 2024, we financed $182.2 billion of purchase volume, and at December 31, 2024, we had $104.7 billion of loan receivables and 71.5 million active accounts.
At December 31, 2024, we had $82.1 billion in deposits, which represented 84% of our total funding sources.
7 Our Sales Platforms ____________________________________________________________________________________________ We offer our credit products through five sales platforms: Home Auto, Digital, Diversified Value, Health Wellness and Lifestyle.
In March 2024, we completed our acquisition of Ally Financial Inc.'s point-of-sale financing business ("Ally Lending"), which deepened our presence in the home improvement sector, including specialty areas such as roofing, HVAC and windows.
Home Auto accounted for $5.8 billion, or 27%, of our total interest and fees on loans for the year ended December 31, 2024.
At December 31, 2024, the length of our relationship with each of our five largest partners was over 10 years, and in the case of Lowe's, 45 years.
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