Puede mirar aquí los balances anuales o trimestrales de Synchrony Financial para evaluar su salud financiera, analizar sus fundamentos y calcular sus ratios clave de liquidez, apalancamiento y rentabilidad sobre el patrimonio neto.

Trimestral

Trimestral+Anual

Trimestral

Anual

YOY

Ocultar filas en blanco

FY2026Q2

FY2026Q1

FY2025Q4

FY2025Q3

FY2025Q2

FY2025Q1

FY2024Q4

FY2024Q3

FY2024Q2

FY2024Q1

FY2023Q4

FY2023Q3

FY2023Q2

FY2023Q1

FY2022Q4

FY2022Q3

FY2022Q2

FY2022Q1

FY2021Q4

FY2021Q3

FY2021Q2

FY2021Q1

FY2020Q4

FY2020Q3

FY2020Q2

FY2020Q1

FY2019Q4

FY2019Q3

FY2019Q2

FY2019Q1

FY2018Q4

FY2018Q3

FY2018Q2

FY2018Q1

FY2017Q4

FY2017Q3

FY2017Q2

FY2017Q1

FY2016Q4

FY2016Q3

FY2016Q2

FY2016Q1

FY2015Q4

FY2015Q3

FY2015Q2

FY2015Q1

FY2014Q4

FY2014Q3

FY2014Q2

FY2014Q1

FY2013Q4

FY2013Q1

Activos actuales

Efectivo restringido

45.01%1.05B

-95.80%44.00M

0.00%44.00M

-10.64%42.00M

1404.17%722.00M

1996.00%1.05B

-12.00%44.00M

-70.06%47.00M

-67.79%48.00M

-91.90%50.00M

-63.24%50.00M

-85.71%157.00M

37.96%149.00M

61.10%617.00M

-61.03%136.00M

1069.15%1.10B

-74.59%108.00M

-20.37%383.00M

330.86%349.00M

27.03%94.00M

507.14%425.00M

501.25%481.00M

-83.80%81.00M

-71.54%74.00M

-82.05%70.00M

-75.76%80.00M

-48.98%500.00M

28.08%260.00M

81.40%390.00M

-70.80%330.00M

355.81%980.00M

17.34%203.00M

-75.20%215.00M

268.08%1.13B

-38.04%215.00M

-54.35%173.00M

--867.00M

--307.00M

-11.25%347.00M

19.56%379.00M

----

-64.58%391.00M

-27.79%317.00M

60.96%301.00M

47.62%248.00M

1352.63%1.10B

--439.00M

--187.00M

--168.00M

--76.00M

----

Activos no corrientes

Fondo de comercio y otros activos intangibles

-29.07%1.51B

21.92%2.59B

23.03%2.62B

7.06%2.18B

4.20%2.14B

13.24%2.12B

16.09%2.13B

-10.33%2.04B

-12.05%2.05B

-22.02%1.87B

-23.37%1.83B

6.36%2.27B

4.86%2.33B

6.57%2.40B

5.24%2.39B

-2.60%2.14B

0.91%2.22B

-0.84%2.25B

3.18%2.27B

1.20%2.19B

-1.83%2.20B

-0.57%2.27B

-5.98%2.20B

-3.81%2.17B

-2.14%2.24B

-2.10%2.29B

8.42%2.34B

5.92%2.25B

21.52%2.29B

31.85%2.33B

24.20%2.16B

20.76%2.13B

6.13%1.89B

-2.59%1.77B

4.76%1.74B

4.82%1.76B

7.56%1.78B

10.12%1.82B

0.67%1.66B

5.45%1.68B

8.46%1.65B

9.63%1.65B

12.40%1.65B

14.09%1.59B

7.93%1.52B

6.58%1.51B

17.53%1.47B

--1.40B

--1.41B

--1.25B

----

Total de activos

1.18%121.93B

-0.43%121.50B

-0.31%119.09B

-1.88%116.98B

0.01%120.50B

0.70%122.03B

1.69%119.46B

5.57%119.23B

10.85%120.49B

12.35%121.17B

12.35%117.48B

12.08%112.94B

14.18%108.70B

13.21%107.85B

9.21%104.56B

9.60%100.77B

3.46%95.20B

-0.61%95.27B

-0.21%95.75B

-3.89%91.94B

-4.69%92.02B

-2.23%95.85B

-8.47%95.95B

-9.71%95.66B

-9.25%96.54B

-6.97%98.04B

-1.84%104.83B

1.34%105.94B

7.33%106.39B

10.28%105.38B

11.46%106.79B

12.96%104.55B

8.76%99.12B

7.31%95.56B

6.21%95.81B

6.18%92.55B

10.63%91.14B

9.06%89.05B

7.40%90.21B

9.71%87.16B

8.76%82.38B

12.29%81.66B

10.94%83.99B

8.13%79.44B

19.91%75.75B

22.75%72.72B

28.13%75.71B

--73.47B

--63.17B

--59.24B

--59.09B

----

Pasivos

Pasivos corrientes

Deuda a corto plazo y pasivos por arrendamiento

----

-60.18%2.25B

-100.00%0.00

30.38%2.58B

50.43%4.33B

33.73%5.65B

--175.00M

--1.98B

97.32%2.88B

147.51%4.22B

-100.00%0.00

-62.23%1.46B

-62.96%1.71B

--883.00M

-44.75%884.00M

-2.50%3.86B

-4.50%4.61B

--0.00

431.56%1.60B

233.92%3.96B

14.66%4.83B

--0.00

-84.40%301.00M

-55.52%1.19B

-29.69%4.21B

--0.00

442.13%1.93B

140.87%2.66B

198.21%5.99B

-100.00%0.00

-88.71%356.00M

-64.92%1.11B

--2.01B

--1.53B

--3.15B

----

-49.38%2.60B

--602.00M

--626.00M

--2.65B

--5.15B

----

-Pasivos por arrendamiento a corto plazo

----

-66.67%1.00M

----

--3.00M

----

Pasivos no corrientes

Deuda a largo plazo y pasivos por arrendamiento

22.32%16.43B

29.52%16.43B

31.80%12.93B

-6.64%14.43B

-1.67%13.43B

-4.33%12.68B

-16.54%9.81B

1.48%15.46B

-4.00%13.66B

-1.62%13.26B

-5.82%11.76B

13.34%15.23B

26.24%14.23B

41.83%13.48B

26.11%12.48B

5.31%13.44B

-4.93%11.27B

-15.18%9.50B

-9.60%9.90B

-19.09%12.76B

-24.80%11.86B

-30.26%11.20B

-30.07%10.95B

-22.55%15.77B

-18.36%15.77B

-16.46%16.06B

-13.06%15.66B

-14.23%20.36B

-9.60%19.31B

-3.43%19.23B

-4.16%18.01B

29.22%23.74B

21.70%21.36B

16.83%19.91B

-6.73%18.79B

-8.90%18.37B

-9.01%17.56B

-16.78%17.04B

-17.02%20.15B

-15.55%20.17B

-18.56%19.30B

-14.90%20.48B

-2.32%24.28B

-11.49%23.88B

6.02%23.69B

20.01%24.06B

29.61%24.86B

--26.98B

--22.35B

--20.05B

--19.18B

--0.00

-Deuda a largo plazo

22.32%16.43B

29.52%16.43B

31.80%12.93B

-6.64%14.43B

-1.67%13.43B

-4.33%12.68B

-16.54%9.81B

1.48%15.46B

-4.00%13.66B

-1.62%13.26B

-5.82%11.76B

13.34%15.23B

26.24%14.23B

41.83%13.48B

26.11%12.48B

5.31%13.44B

-4.93%11.27B

-15.18%9.50B

-9.60%9.90B

-19.09%12.76B

-24.80%11.86B

-30.26%11.20B

-30.07%10.95B

-22.55%15.77B

-18.36%15.77B

-16.46%16.06B

-13.06%15.66B

-14.23%20.36B

-9.60%19.31B

-3.43%19.23B

-4.16%18.01B

29.22%23.74B

21.70%21.36B

16.83%19.91B

-6.73%18.79B

-8.90%18.37B

-9.01%17.56B

-16.78%17.04B

-17.02%20.15B

-15.55%20.17B

-18.56%19.30B

-14.90%20.48B

-2.32%24.28B

-11.49%23.88B

6.02%23.69B

20.01%24.06B

29.61%24.86B

--26.98B

--22.35B

--20.05B

--19.18B

----

Depósitos del cliente

0.66%82.81B

-0.65%82.89B

-1.12%81.14B

-2.91%79.89B

-1.01%82.26B

-0.14%83.44B

1.12%82.06B

5.40%82.28B

9.68%83.10B

12.27%83.55B

13.13%81.15B

14.12%78.07B

17.09%75.77B

17.07%74.42B

15.20%71.73B

13.34%68.40B

8.13%64.71B

1.30%63.58B

-0.82%62.27B

-4.95%60.35B

-6.71%59.84B

-2.87%62.76B

-3.64%62.78B

-3.76%63.49B

-2.28%64.15B

0.87%64.61B

1.77%65.15B

5.87%65.97B

11.24%65.64B

13.24%64.06B

13.33%64.02B

14.44%62.32B

11.58%59.01B

9.62%56.57B

8.52%56.49B

9.31%54.45B

13.91%52.88B

14.74%51.60B

20.03%52.05B

22.85%49.81B

22.91%46.43B

28.69%44.98B

24.07%43.37B

24.04%40.55B

24.00%37.77B

27.75%34.95B

35.91%34.95B

--32.69B

--30.46B

--27.36B

--25.72B

----

Total pasivos

1.43%105.03B

-0.40%105.02B

-0.54%102.33B

-3.23%99.92B

-1.33%103.55B

-0.42%105.44B

-0.67%102.88B

4.11%103.25B

10.11%104.95B

11.86%105.89B

12.96%103.58B

13.01%99.17B

16.51%95.32B

15.65%94.66B

11.69%91.69B

12.50%87.75B

5.12%81.81B

-0.69%81.85B

-1.39%82.09B

-6.65%78.00B

-8.06%77.82B

-4.24%82.42B

-7.23%83.25B

-8.00%83.56B

-7.65%84.64B

-5.08%86.07B

-2.58%89.74B

0.30%90.82B

8.26%91.65B

11.66%90.67B

12.92%92.11B

15.87%90.55B

10.23%84.66B

8.72%81.20B

7.32%81.57B

6.79%78.15B

11.85%76.81B

9.11%74.69B

6.48%76.01B

8.76%73.18B

7.01%68.67B

10.97%68.45B

9.44%71.39B

5.91%67.28B

13.01%64.17B

15.94%61.69B

22.78%65.23B

--63.53B

--56.78B

--53.20B

--53.13B

----

Capital de los accionistas

Capital ordinario

0.41%9.88B

0.41%9.85B

0.50%9.90B

0.45%9.87B

0.44%9.84B

0.37%9.80B

0.80%9.85B

0.74%9.82B

0.68%9.79B

0.65%9.77B

0.59%9.78B

0.67%9.75B

0.66%9.73B

0.64%9.71B

0.51%9.72B

0.37%9.69B

0.45%9.66B

0.53%9.64B

1.03%9.67B

1.02%9.65B

0.92%9.62B

0.72%9.59B

0.35%9.57B

0.34%9.55B

0.34%9.53B

0.36%9.52B

0.58%9.54B

0.53%9.52B

0.15%9.50B

0.20%9.49B

0.39%9.48B

0.43%9.47B

0.75%9.49B

0.69%9.47B

0.55%9.45B

0.51%9.43B

0.48%9.42B

0.49%9.41B

0.45%9.39B

-0.53%9.38B

-0.55%9.37B

-0.63%9.36B

-0.61%9.35B

0.32%9.43B

47.23%9.42B

--9.42B

--9.41B

--9.40B

--6.40B

----

Capital preferente

40.43%1.72B

0.00%1.22B

66.49%1.22B

0.00%734.00M

--734.00M

----

Ganancias retenidas

12.73%25.97B

13.51%25.21B

13.70%24.60B

14.32%23.98B

13.42%23.04B

12.22%22.21B

15.93%21.64B

14.38%20.98B

13.92%20.31B

13.94%19.79B

11.64%18.66B

12.84%18.34B

13.71%17.83B

15.77%17.37B

17.35%16.72B

19.83%16.25B

24.83%15.68B

30.80%15.00B

34.12%14.24B

35.30%13.56B

27.49%12.56B

15.16%11.47B

-12.35%10.62B

-13.08%10.02B

-7.29%9.85B

0.21%9.96B

34.84%12.12B

38.04%11.53B

34.42%10.63B

35.52%9.94B

31.97%8.99B

27.69%8.36B

29.42%7.91B

28.13%7.33B

27.75%6.81B

34.60%6.54B

39.99%6.11B

47.72%5.72B

61.86%5.33B

77.02%4.86B

100.92%4.36B

137.58%3.88B

205.19%3.29B

401.09%2.75B

--2.17B

--1.63B

--1.08B

--548.00M

--0.00

----

Reservas de capital

0.41%9.88B

0.41%9.84B

0.50%9.90B

0.45%9.87B

0.44%9.84B

0.37%9.80B

0.80%9.85B

0.74%9.82B

0.68%9.79B

0.65%9.77B

0.59%9.78B

0.67%9.75B

0.66%9.73B

0.64%9.71B

0.51%9.72B

0.37%9.69B

0.45%9.66B

0.53%9.64B

1.03%9.67B

1.02%9.65B

0.92%9.62B

0.72%9.59B

0.35%9.57B

0.34%9.55B

0.34%9.53B

0.36%9.52B

0.58%9.54B

0.53%9.52B

0.15%9.50B

0.20%9.49B

0.39%9.48B

0.43%9.47B

0.75%9.49B

0.69%9.47B

0.55%9.45B

0.51%9.43B

0.48%9.41B

0.49%9.40B

0.45%9.39B

-0.53%9.38B

-0.55%9.37B

-0.63%9.36B

-0.61%9.35B

0.32%9.43B

47.24%9.42B

--9.42B

--9.41B

--9.40B

--6.40B

----

Menos: Acciones en tesorería

20.44%20.59B

18.93%19.74B

17.65%18.91B

12.30%17.96B

8.81%17.10B

7.60%16.60B

5.73%16.07B

6.89%15.99B

6.07%15.71B

6.31%15.43B

7.27%15.20B

11.04%14.96B

18.18%14.81B

22.56%14.51B

29.71%14.17B

35.46%13.47B

44.71%12.54B

42.64%11.84B

33.66%10.93B

21.57%9.95B

5.85%8.66B

1.26%8.30B

12.85%8.17B

38.90%8.18B

52.92%8.18B

75.79%8.20B

94.23%7.24B

57.87%5.89B

88.28%5.35B

97.38%4.66B

90.55%3.73B

143.70%3.73B

148.43%2.84B

231.88%2.36B

312.00%1.96B

543.28%1.53B

--1.14B

--712.00M

--475.00M

--238.00M

----

Pérdidas de ganancias que no afectan a las ganancias retenidas

-57.78%-71.00M

-5.66%-56.00M

18.64%-48.00M

8.00%-46.00M

38.36%-45.00M

23.19%-53.00M

13.24%-59.00M

47.92%-50.00M

23.96%-73.00M

32.35%-69.00M

45.60%-68.00M

48.66%-96.00M

35.57%-96.00M

15.70%-102.00M

-81.16%-125.00M

-192.19%-187.00M

-166.07%-149.00M

-116.07%-121.00M

-35.29%-69.00M

-106.45%-64.00M

-51.35%-56.00M

-14.29%-56.00M

12.07%-51.00M

29.55%-31.00M

13.95%-37.00M

12.50%-49.00M

6.45%-58.00M

55.56%-44.00M

53.76%-43.00M

34.88%-56.00M

3.13%-62.00M

-147.50%-99.00M

-89.80%-93.00M

-56.36%-86.00M

-20.75%-64.00M

-66.67%-40.00M

-145.00%-49.00M

-66.67%-55.00M

-29.27%-53.00M

-20.00%-24.00M

-17.65%-20.00M

-135.71%-33.00M

-310.00%-41.00M

-122.22%-20.00M

-142.86%-17.00M

-40.00%-14.00M

23.08%-10.00M

---9.00M

---7.00M

---10.00M

---13.00M

----

Capital total

-0.32%16.90B

-0.63%16.48B

1.12%16.77B

6.79%17.07B

9.09%16.95B

8.50%16.58B

19.25%16.58B

16.07%15.98B

16.14%15.54B

15.83%15.28B

8.00%13.90B

5.80%13.77B

-0.10%13.38B

-1.68%13.19B

-5.73%12.87B

-6.63%13.01B

-5.66%13.39B

-0.16%13.42B

7.51%13.65B

15.18%13.94B

19.31%14.20B

12.27%13.44B

-15.82%12.70B

-19.98%12.10B

-19.24%11.90B

-18.62%11.97B

2.79%15.09B

8.03%15.12B

1.91%14.73B

2.46%14.71B

3.12%14.68B

-2.82%14.00B

0.88%14.46B

-0.05%14.36B

0.27%14.23B

3.01%14.40B

4.50%14.33B

8.78%14.36B

12.63%14.20B

14.99%13.98B

18.46%13.71B

19.64%13.20B

20.29%12.60B

22.30%12.16B

81.10%11.58B

82.65%11.04B

75.81%10.48B

--9.94B

--6.39B

--6.04B

--5.96B

----

Unidad monetaria

--USD

Opiniones de evaluación

----

Preguntas frecuentes

¿Qué métricas del balance general importan más al analizar las acciones de SYF?



Las métricas importantes incluyen efectivo e inversiones a corto plazo, activos totales, activos corrientes, pasivos totales, pasivos corrientes, deuda a largo plazo, patrimonio de los accionistas, ganancias retenidas, inventario, cuentas por cobrar, capital de trabajo, ratio de liquidez corriente, ratio de prueba ácida, relación deuda-patrimonio y rentabilidad sobre el capital. Los inversores suelen revisar todo esto en conjunto, en vez de guiarse por un solo número.

¿Cuál es la diferencia entre activos, pasivos y patrimonio de los accionistas?



Los activos son recursos que la empresa posee o controla, como efectivo, cuentas por cobrar, inventario, inversiones y propiedades. Los pasivos son obligaciones que la empresa debe, como cuentas por pagar, deuda, arrendamientos e impuestos. El patrimonio de los accionistas es el valor residual después de restar los pasivos de los activos.

¿Cuál es la diferencia entre elementos corrientes y no corrientes?



Se espera generalmente que los activos corrientes y los pasivos corrientes se conviertan, usen, paguen o liquiden dentro de un año o de un ciclo operativo. Los activos no corrientes y los pasivos no corrientes son elementos a más largo plazo, como propiedades, inversiones a largo plazo, activos por impuestos diferidos, deuda a largo plazo y obligaciones de arrendamiento.

¿Cuánto patrimonio neto de los accionistas tiene Synchrony Financial?



Synchrony Financial reportó un patrimonio neto total de los accionistas de 16.77B en el último trimestre reportado.