Synchrony financial (SYF)
Balance Sheet / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Dec'13
Assets
Cash and equivalents

13,704

12,147

11,461

11,755

12,963

9,396

12,068

15,675

13,044

11,602

13,915

12,020

11,392

9,321

13,588

11,787

12,500

12,325

12,271

10,621

11,218

11,828

14,808

6,782

2,319

Debt securities (Note 3)

6,146

5,911

4,584

6,147

5,506

6,062

7,281

6,779

6,259

4,473

3,317

3,997

5,328

5,110

3,356

2,723

2,949

3,142

3,596

3,682

3,121

1,598

325

298

236

Loans and Leases Receivable, Net of Deferred Income

82,469

87,215

83,207

81,796

80,405

93,139

87,521

78,879

77,853

81,947

76,928

75,458

73,350

76,337

70,644

68,282

65,849

68,290

63,520

61,431

58,248

61,286

56,767

54,873

57,254

Financing Receivable, Allowance for Credit Loss

9,175

5,602

5,607

5,809

5,942

6,427

6,223

5,859

5,738

5,574

5,361

5,001

4,676

4,344

4,115

3,894

3,620

3,497

3,371

3,302

3,255

3,236

3,102

3,006

2,892

Loans and Leases Receivable, Net Amount

73,294

81,613

77,600

75,987

74,463

86,712

81,298

73,020

72,115

76,373

71,567

70,457

68,674

71,993

66,529

64,388

62,229

64,793

60,149

58,129

54,993

58,050

53,665

51,867

54,362

Loans Receivable Held-for-sale, Amount

5

725

8,200

8,100

8,052

0

-

-

-

-

-

-

-

-

-

-

-

-

0

0

359

332

1,493

1,458

0

Goodwill

1,078

1,078

1,078

1,078

1,076

1,024

1,024

1,024

991

991

991

991

992

949

949

949

949

949

949

949

949

949

949

949

949

Intangible assets, net (Note 6)

1,208

1,265

1,177

1,215

1,259

1,137

1,105

863

780

749

772

787

826

712

733

704

702

701

646

575

557

519

449

463

300

Other assets

2,603

2,087

1,861

2,110

2,065

2,461

1,769

1,761

2,370

1,620

1,986

2,888

1,838

2,122

2,004

1,833

2,327

2,080

1,831

1,794

1,524

2,431

1,780

1,358

919

Total assets

98,038

104,826

105,943

106,388

105,384

106,792

104,545

99,122

95,559

95,808

92,548

91,140

89,050

90,207

87,159

82,384

81,656

83,990

79,442

75,750

72,721

75,707

73,469

63,175

59,085

Liabilities and Equity
Interest-bearing Deposit Liabilities

64,302

64,877

65,677

65,382

63,787

63,738

62,030

58,734

56,285

56,276

54,232

52,659

51,359

51,896

49,611

46,220

44,721

43,215

40,408

37,629

34,788

34,847

32,480

30,258

25,360

Noninterest-bearing Deposit Liabilities

313

277

295

263

273

281

287

277

285

212

222

226

246

159

204

207

256

152

140

143

162

108

209

204

359

Total deposits

64,615

65,154

65,972

65,645

64,060

64,019

62,317

59,011

56,570

56,488

54,454

52,885

51,605

52,055

49,815

46,427

44,977

43,367

40,548

37,772

34,950

34,955

32,689

30,462

25,719

Borrowings: (Notes 5 and 8)
Unsecured Debt

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

1,494

4,133

4,651

5,151

5,651

8,245

11,088

-

-

Senior unsecured notes

7,957

9,454

9,451

9,303

9,800

9,557

9,554

9,551

8,801

8,302

8,008

8,505

7,761

7,759

7,756

7,059

6,559

6,557

5,590

4,593

4,592

3,593

-

-

-

Total borrowings

17,248

19,866

20,363

21,244

21,891

23,996

23,741

21,721

21,015

20,799

19,899

20,709

20,194

20,147

20,167

19,295

20,476

24,279

23,881

23,692

24,060

27,460

27,584

22,973

24,321

Related party debt (Note 15)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

655

1,405

7,859

8,959

Accrued expenses and other liabilities

4,205

4,718

4,488

4,765

4,724

4,099

4,491

3,932

3,618

4,287

3,793

3,214

2,888

3,809

3,196

2,947

2,999

3,740

2,855

2,708

2,675

2,814

3,255

3,347

3,085

Total liabilities

86,068

89,738

90,823

91,654

90,675

92,114

90,549

84,664

81,203

81,574

78,146

76,808

74,687

76,011

73,178

68,669

68,452

71,386

67,284

64,172

61,685

65,229

63,528

56,782

53,125

Equity:
Preferred stock, par share value $0.001 per share; 750,000 shares authorized; 750,000 shares issued and outstanding at both March 31, 2020 and December 31, 2019 and aggregate liquidation preference of $750 at both March 31, 2020 and December 31, 2019

734

734

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Common Stock, par share value $0.001 per share; 4,000,000,000 shares authorized; 833,984,684 shares issued at both March 31, 2020 and December 31, 2019; 583,232,644 and 615,925,168 shares outstanding at March 31, 2020 and December 31, 2019, respectively

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

0

Additional paid-in capital

9,523

9,537

9,520

9,500

9,489

9,482

9,470

9,486

9,470

9,445

9,429

9,415

9,405

9,393

9,381

9,370

9,359

9,351

9,431

9,422

9,418

9,408

9,401

6,399

0

Retained earnings

9,960

12,117

11,533

10,627

9,939

8,986

8,355

7,906

7,334

6,809

6,543

6,109

5,724

5,330

4,861

4,364

3,875

3,293

2,746

2,172

1,631

1,079

548

0

0

Parents net investment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

5,973

Accumulated other comprehensive income (loss):
Debt securities

16

-1

-2

-5

-20

-32

-48

-43

-39

-19

-12

-15

-19

-18

7

7

1

-10

-1

-3

1

0

-4

-4

-9

Currency translation adjustments

-32

-24

-28

-27

-26

-25

-23

-23

-20

-17

-13

-19

-21

-20

-17

-13

-18

-19

-18

-13

-14

-8

-4

-2

-3

Employee benefit plans

-33

-33

-14

-11

-10

-5

-28

-27

-27

-28

-15

-15

-15

-15

-14

-14

-14

-12

-1

-1

-1

-2

-1

-1

-1

Treasury stock, at cost; 250,752,040 and 218,059,516 shares at March 31, 2020 and December 31, 2019, respectively

8,199

7,243

5,890

5,351

4,664

3,729

3,731

2,842

2,363

1,957

1,531

1,144

712

475

238

-

-

0

-

-

-

-

-

-

-

Stockholders' Equity Attributable to Parent

11,970

15,088

15,120

14,734

14,709

14,678

13,996

14,458

14,356

14,234

14,402

14,332

14,363

14,196

13,981

13,715

13,204

12,604

12,158

11,578

11,036

10,478

9,941

6,393

5,960

Total liabilities and equity

98,038

104,826

105,943

106,388

105,384

106,792

104,545

99,122

95,559

95,808

92,548

91,140

89,050

90,207

87,159

82,384

81,656

83,990

79,442

75,750

72,721

75,707

73,469

63,175

59,085

Restricted cash and cash equivalents

-

-

-

-

-

-

-

-

-

-

173

867

307

-

379

304

844

-

317

301

248

-

439

187

-

Unsecuritized Loans Held for Investment [Member]
Loans and Leases Receivable, Net of Deferred Income

54,765

58,398

56,220

55,178

54,907

64,969

59,868

50,884

52,469

55,526

53,997

52,550

50,398

-

-

-

-

-

-

-

-

-

-

-

-

Variable Interest Entity, Primary Beneficiary [Member]
Loans and Leases Receivable, Net of Deferred Income

27,700

28,800

27,000

26,600

25,498

28,200

27,653

28,000

25,400

26,400

22,931

22,900

23,000

-

-

-

-

-

-

-

-

-

-

-

-

Financing Receivable, Allowance for Credit Loss

2,500

-

1,500

1,600

1,600

1,700

1,700

1,700

1,500

1,400

1,300

1,200

1,200

-

-

-

-

-

-

-

-

-

-

-

-

Loans and Leases Receivable, Net Amount

25,240

27,217

25,481

25,007

23,934

26,454

25,958

26,291

23,911

24,990

21,667

21,707

21,802

-

-

-

-

-

-

-

-

-

-

-

-

Other assets

63

68

64

78

76

813

74

67

1,056

62

56

670

110

-

-

-

-

-

-

-

-

-

-

-

-

Total assets

25,303

27,285

26,625

26,165

25,094

27,267

26,032

26,358

24,967

25,052

21,723

22,377

21,912

-

-

-

-

-

-

-

-

-

-

-

-

Secured Debt

9,291

10,412

10,912

11,941

12,091

14,439

14,187

12,170

12,214

12,497

11,891

12,204

12,433

-

-

-

-

-

-

-

-

-

-

-

-

Total liabilities

9,318

10,444

10,941

11,970

12,123

14,475

14,222

12,206

12,244

12,527

11,911

12,223

12,451

-

-

-

-

-

-

-

-

-

-

-

-

Restricted loans of consolidated securitization entities
Loan receivables held for sale (Note 4)

-

-

1,080

1,080

1,084

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-