$SYF
Synchrony Financial

2014 Q2 Form 10-Q Financial Statement

#000160171214000007 Filed on September 05, 2014

View on sec.gov

Income Statement

Concept 2014 Q2 2013 Q2
Revenue
YoY Change
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $32.00M $25.00M
YoY Change 28.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $206.0M $178.0M
YoY Change 15.73%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $764.0M $856.0M
YoY Change -10.75% -13.62%
Income Tax $292.0M $320.0M
% Of Pretax Income 38.22% 37.38%
Net Earnings $472.0M $536.0M
YoY Change -11.94% -13.55%
Net Earnings / Revenue
Basic Earnings Per Share $0.67 $0.76
Diluted Earnings Per Share $0.67 $0.76
COMMON SHARES
Basic Shares Outstanding 705.0M shares 705.3M shares
Diluted Shares Outstanding 705.0M shares 705.3M shares

Balance Sheet

Concept 2014 Q2 2013 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $6.782B $3.110B
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment
YoY Change
Goodwill $949.0M
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $63.18B
YoY Change
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $3.347B
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due $626.0M
YoY Change
Total Short-Term Liabilities $3.973B
YoY Change
LONG-TERM LIABILITIES
Long-Term Debt $22.35B
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $22.35B
YoY Change
TOTAL LIABILITIES
Total Short-Term Liabilities $3.973B
Total Long-Term Liabilities $22.35B
Total Liabilities $56.78B
YoY Change
SHAREHOLDERS EQUITY
Retained Earnings $0.00
YoY Change
Common Stock $1.000M
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $6.393B $5.518B
YoY Change
Total Liabilities & Shareholders Equity $63.18B
YoY Change

Cashflow Statement

Concept 2014 Q2 2013 Q2
OPERATING ACTIVITIES
Net Income $472.0M $536.0M
YoY Change -11.94% -13.55%
Depreciation, Depletion And Amortization $32.00M $25.00M
YoY Change 28.0%
Cash From Operating Activities $1.227B $1.184B
YoY Change 3.63%
INVESTING ACTIVITIES
Capital Expenditures
YoY Change
Acquisitions
YoY Change
Other Investing Activities -$2.880B -$2.469B
YoY Change 16.65%
Cash From Investing Activities -$2.880B -$2.469B
YoY Change 16.65%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 3.104B -931.0M
YoY Change -433.4%
NET CHANGE
Cash From Operating Activities 1.227B 1.184B
Cash From Investing Activities -2.880B -2.469B
Cash From Financing Activities 3.104B -931.0M
Net Change In Cash 1.451B -2.216B
YoY Change -165.48%
FREE CASH FLOW
Cash From Operating Activities $1.227B $1.184B
Capital Expenditures
Free Cash Flow
YoY Change

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
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us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
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CY2014Q2 us-gaap Allowance For Loan And Lease Losses Write Offs
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us-gaap Allowance For Loan And Lease Losses Write Offs
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us-gaap Allowance For Loan And Lease Losses Write Offs
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us-gaap Cash Acquired From Acquisition
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us-gaap Cash Acquired From Acquisition
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us-gaap Cash And Cash Equivalents Period Increase Decrease
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CY2013Q4 us-gaap Common Stock Value
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CY2014Q2 us-gaap Common Stock Value
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CY2014Q2 us-gaap Comprehensive Income Net Of Tax
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CY2013Q2 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
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us-gaap Comprehensive Income Net Of Tax
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us-gaap Comprehensive Income Net Of Tax
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us-gaap Deferred Income Tax Expense Benefit
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us-gaap Deferred Income Tax Expense Benefit
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CY2014Q2 us-gaap Deposits
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us-gaap Depreciation Depletion And Amortization
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us-gaap Depreciation Depletion And Amortization
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us-gaap Earnings Per Share Basic
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CY2013Q2 us-gaap Earnings Per Share Basic
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us-gaap Earnings Per Share Basic
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us-gaap Earnings Per Share Diluted
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us-gaap Effective Income Tax Rate Continuing Operations
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us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
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us-gaap Fiscal Period
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<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-bottom:16px;padding-top:16px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We label our quarterly information using a calendar convention, that is, first quarter is labeled as ending on March 31, second quarter as ending on June 30, and third quarter as ending on September 30. It is the longstanding practice of GE and GECC, our parent companies, to establish interim quarterly closing dates using a fiscal calendar, which requires our business to close its books on a Sunday. The effects of this practice are modest and only exist within a reporting year. </font></div></div>
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us-gaap Increase Decrease In Restricted Cash
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us-gaap Interest And Dividend Income Securities Available For Sale
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us-gaap Interest And Fee Income Loans And Leases
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us-gaap Interest Expense Deposits
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us-gaap Interest Expense Deposits
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187000000 USD
us-gaap Interest Expense Related Party
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73000000 USD
CY2013Q2 us-gaap Interest Expense Related Party
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30000000 USD
us-gaap Interest Expense Related Party
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90000000 USD
CY2014Q2 us-gaap Interest Expense Related Party
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43000000 USD
CY2014Q2 us-gaap Interest Income Expense Net
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2720000000 USD
CY2013Q2 us-gaap Interest Income Expense Net
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2508000000 USD
us-gaap Interest Income Expense Net
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5019000000 USD
us-gaap Interest Income Expense Net
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5463000000 USD
CY2013Q2 us-gaap Interest Income Operating
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2686000000 USD
us-gaap Interest Income Operating
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5859000000 USD
us-gaap Interest Income Operating
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5390000000 USD
CY2014Q2 us-gaap Interest Income Operating
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2926000000 USD
CY2013Q2 us-gaap Labor And Related Expense
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173000000 USD
us-gaap Labor And Related Expense
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335000000 USD
us-gaap Labor And Related Expense
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400000000 USD
CY2014Q2 us-gaap Labor And Related Expense
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207000000 USD
CY2013Q4 us-gaap Liabilities
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53125000000 USD
CY2014Q2 us-gaap Liabilities
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56782000000 USD
CY2013Q4 us-gaap Liabilities And Stockholders Equity
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59085000000 USD
CY2014Q2 us-gaap Liabilities And Stockholders Equity
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63175000000 USD
CY2013Q4 us-gaap Loans And Leases Receivable Allowance
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2892000000 USD
CY2014Q2 us-gaap Loans And Leases Receivable Allowance
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3006000000 USD
CY2013Q1 us-gaap Loans And Leases Receivable Allowance
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2718000000 USD
CY2013Q2 us-gaap Loans And Leases Receivable Allowance
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2784000000 USD
CY2014Q1 us-gaap Loans And Leases Receivable Allowance
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2998000000 USD
CY2012Q4 us-gaap Loans And Leases Receivable Allowance
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2274000000 USD
CY2013Q4 us-gaap Loans And Leases Receivable Deferred Income
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8000000 USD
CY2014Q2 us-gaap Loans And Leases Receivable Deferred Income
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28000000 USD
CY2013Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
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57254000000 USD
CY2014Q2 us-gaap Loans And Leases Receivable Net Of Deferred Income
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54873000000 USD
CY2014Q2 us-gaap Loans And Leases Receivable Net Reported Amount
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51867000000 USD
CY2013Q4 us-gaap Loans And Leases Receivable Net Reported Amount
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54362000000 USD
CY2013Q4 us-gaap Loans Receivable Held For Sale Amount
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0 USD
CY2014Q2 us-gaap Loans Receivable Held For Sale Amount
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1458000000 USD
CY2014Q2 us-gaap Loss Contingency Pending Claims Number
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5 putative_class_action
us-gaap Net Cash Provided By Used In Financing Activities Continuing Operations
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us-gaap Net Cash Provided By Used In Financing Activities Continuing Operations
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2479000000 USD
us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
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us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
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5657000000 USD
us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
2770000000 USD
us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
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2999000000 USD
CY2014Q2 us-gaap Net Income Loss
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472000000 USD
CY2013Q2 us-gaap Net Income Loss
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536000000 USD
us-gaap Net Income Loss
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1030000000 USD
us-gaap Net Income Loss
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895000000 USD
CY2014Q2 us-gaap Noninterest Bearing Deposit Liabilities
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204000000 USD
CY2013Q4 us-gaap Noninterest Bearing Deposit Liabilities
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359000000 USD
CY2014Q2 us-gaap Noninterest Expense
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797000000 USD
us-gaap Noninterest Expense
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1407000000 USD
us-gaap Noninterest Expense
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1102000000 USD
CY2013Q2 us-gaap Noninterest Expense
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563000000 USD
us-gaap Noninterest Income
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256000000 USD
us-gaap Noninterest Income
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227000000 USD
CY2013Q2 us-gaap Noninterest Income
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124000000 USD
CY2014Q2 us-gaap Noninterest Income
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112000000 USD
us-gaap Noninterest Income Other Operating Income
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25000000 USD
CY2014Q2 us-gaap Noninterest Income Other Operating Income
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13000000 USD
us-gaap Noninterest Income Other Operating Income
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39000000 USD
CY2013Q2 us-gaap Noninterest Income Other Operating Income
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24000000 USD
CY2013Q4 us-gaap Other Assets
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919000000 USD
CY2014Q2 us-gaap Other Assets
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us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
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us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
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5000000 USD
CY2013Q2 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
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CY2014Q2 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
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3000000 USD
us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax
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1000000 USD
us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax
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CY2014Q2 us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax
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0 USD
CY2013Q2 us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax
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1000000 USD
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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6000000 USD
CY2014Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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3000000 USD
CY2013Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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182000000 USD
us-gaap Other Noninterest Expense
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426000000 USD
us-gaap Other Noninterest Expense
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366000000 USD
CY2014Q2 us-gaap Other Noninterest Expense
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285000000 USD
us-gaap Payments For Proceeds From Loans And Leases
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587000000 USD
us-gaap Payments For Proceeds From Loans And Leases
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463000000 USD
us-gaap Payments For Proceeds From Other Investing Activities
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31000000 USD
us-gaap Payments For Proceeds From Other Investing Activities
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264000000 USD
us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
63000000 USD
us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
67000000 USD
us-gaap Payments To Acquire Loans Receivable
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206000000 USD
us-gaap Payments To Acquire Loans Receivable
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0 USD
us-gaap Proceeds From Issuance Of Secured Debt
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3400000000 USD
us-gaap Proceeds From Issuance Of Secured Debt
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866000000 USD
us-gaap Proceeds From Payments For Other Financing Activities
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us-gaap Proceeds From Payments For Other Financing Activities
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us-gaap Proceeds From Sale And Maturity Of Available For Sale Securities
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23000000 USD
us-gaap Proceeds From Sale And Maturity Of Available For Sale Securities
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10000000 USD
CY2013Q2 us-gaap Professional Fees
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CY2014Q2 us-gaap Professional Fees
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us-gaap Professional Fees
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209000000 USD
us-gaap Professional Fees
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us-gaap Provision For Loan Losses Expensed
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us-gaap Provision For Loan Losses Expensed
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us-gaap Repayments Of Related Party Debt
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us-gaap Repayments Of Related Party Debt
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us-gaap Repayments Of Secured Debt
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3647000000 USD
us-gaap Repayments Of Secured Debt
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1782000000 USD
CY2013Q4 us-gaap Restricted Cash And Cash Equivalents
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76000000 USD
CY2014Q2 us-gaap Restricted Cash And Cash Equivalents
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187000000 USD
CY2013Q4 us-gaap Retained Earnings Accumulated Deficit
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0 USD
CY2014Q2 us-gaap Retained Earnings Accumulated Deficit
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0 USD
CY2014Q2 us-gaap Significant Change In Unrecognized Tax Benefits Is Reasonably Possible Amount Of Unrecorded Benefit
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CY2013Q4 us-gaap Stockholders Equity
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CY2014Q2 us-gaap Stockholders Equity
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CY2013Q2 us-gaap Stockholders Equity
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CY2012Q4 us-gaap Stockholders Equity
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CY2014Q2 us-gaap Stockholders Equity Note Stock Split Conversion Ratio1
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5262.3512
CY2014Q2 us-gaap Tier One Leverage Capital
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CY2013Q4 us-gaap Tier One Leverage Capital
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CY2013Q2 syf Marketingand Business Development Expense
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53000000 USD
CY2014Q2 us-gaap Time Deposit Maturities After Year Five
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CY2014Q2 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
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2158000000 USD
CY2013Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
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2088000000 USD
CY2014Q2 us-gaap Time Deposit Maturities Remainder Of Fiscal Year
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4805000000 USD
CY2014Q2 us-gaap Time Deposit Maturities Year Five
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1884000000 USD
CY2014Q2 us-gaap Time Deposit Maturities Year Four
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2486000000 USD
CY2014Q2 us-gaap Time Deposit Maturities Year Three
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2178000000 USD
CY2014Q2 us-gaap Time Deposit Maturities Year Two
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8850000000 USD
CY2013Q4 us-gaap Time Deposits100000 Or More
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5695000000 USD
CY2014Q2 us-gaap Time Deposits100000 Or More
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7771000000 USD
CY2014Q2 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.06
CY2013Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
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0.06
CY2014Q2 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
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CY2013Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
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CY2014Q2 us-gaap Tier One Leverage Capital Required For Capital Adequacy
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CY2013Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy
TierOneLeverageCapitalRequiredForCapitalAdequacy
1495000000 USD
CY2014Q2 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
0.04
CY2013Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
0.04
CY2014Q2 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
2146000000 USD
CY2013Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
1869000000 USD
CY2014Q2 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
0.05
CY2013Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
0.05
CY2014Q2 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
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CY2013Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
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CY2014Q2 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
5924000000 USD
CY2013Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
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CY2014Q2 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
TierOneRiskBasedCapitalRequiredForCapitalAdequacy
1439000000 USD
CY2013Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
TierOneRiskBasedCapitalRequiredForCapitalAdequacy
1392000000 USD
CY2014Q2 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.04
CY2013Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.04
CY2014Q2 us-gaap Unrecognized Tax Benefits
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232000000 USD
CY2013Q4 us-gaap Unrecognized Tax Benefits
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202000000 USD
CY2013Q4 us-gaap Unrecognized Tax Benefits That Would Impact Effective Tax Rate
UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
131000000 USD
CY2014Q2 us-gaap Unrecognized Tax Benefits That Would Impact Effective Tax Rate
UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
153000000 USD
CY2014Q2 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
0 shares
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
0 shares
syf Interest Expense Related Party Average Costof Funds
InterestExpenseRelatedPartyAverageCostofFunds
0.022
CY2013Q2 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
0 shares
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
0 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
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705271000 shares
CY2013Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
705271000 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
705271000 shares
CY2014Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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705271000 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
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705271000 shares
CY2013Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
705271000 shares
CY2014Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
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705271000 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
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705271000 shares
CY2013Q4 syf Accumulated Other Comprehensive Income Loss Other Netof Tax
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CY2014Q2 syf Accumulated Other Comprehensive Income Loss Other Netof Tax
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syf Conversionof Parents Net Investment Into Common Stock
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0 USD
CY2013Q4 syf Dueto Related Parties Weighted Average Interest Rate
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0.017
CY2014Q2 syf Dueto Related Parties Weighted Average Interest Rate
DuetoRelatedPartiesWeightedAverageInterestRate
0.022
CY2013Q4 syf Financing Receivable Credit Quality Indicators Percentageof Loan Receivable With No Fico Score
FinancingReceivableCreditQualityIndicatorsPercentageofLoanReceivableWithNoFICOScore
0.011
CY2014Q2 syf Financing Receivable Credit Quality Indicators Percentageof Loan Receivable With No Fico Score
FinancingReceivableCreditQualityIndicatorsPercentageofLoanReceivableWithNoFICOScore
0.008
CY2014Q2 syf Financing Receivable Recorded Investment30to89 Days Past Due
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1189000000 USD
CY2013Q4 syf Financing Receivable Recorded Investment30to89 Days Past Due
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1367000000 USD
syf Impaired Financing Receivablewith Related Allowance Interest Income Under Original Terms
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72000000 USD
syf Impaired Financing Receivablewith Related Allowance Interest Income Under Original Terms
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90000000 USD
CY2014Q2 syf Impaired Financing Receivablewith Related Allowance Interest Income Under Original Terms
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36000000 USD
CY2013Q2 syf Impaired Financing Receivablewith Related Allowance Interest Income Under Original Terms
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45000000 USD
syf Increase Decreasein Interestand Fee Receivable
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syf Increase Decreasein Interestand Fee Receivable
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syf Increase Decreasein Parent Net Investment
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51000000 USD
syf Increase Decreasein Parent Net Investment
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CY2014Q2 syf Interest Expense Related Party Average Costof Funds
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CY2013Q2 syf Interest Expense Related Party Average Costof Funds
InterestExpenseRelatedPartyAverageCostofFunds
0.014
syf Interest Expense Related Party Average Costof Funds
InterestExpenseRelatedPartyAverageCostofFunds
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CY2013Q2 syf Interest Income Expenseafter Retailer Share Arrangements
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CY2014Q2 syf Interest Income Expenseafter Retailer Share Arrangements
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2130000000 USD
syf Interest Income Expenseafter Retailer Share Arrangements
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4279000000 USD
syf Interest Income Expenseafter Retailer Share Arrangements
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3988000000 USD
CY2014Q2 syf Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss
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1449000000 USD
CY2013Q2 syf Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss
InterestIncomeExpenseafterRetailerShareArrangementsandProvisionforLoanLoss
1295000000 USD
syf Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss
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2834000000 USD
syf Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss
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2275000000 USD
CY2013Q4 syf Interestbearing Deposit Liabilities Weighted Average Interest Rate
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0.017
CY2014Q2 syf Interestbearing Deposit Liabilities Weighted Average Interest Rate
InterestbearingDepositLiabilitiesWeightedAverageInterestRate
0.015
CY2014Q2 syf Loans Receivable Heldfor Sale Numberof Retail Partners
LoansReceivableHeldforSaleNumberofRetailPartners
2 retail_partner
CY2014Q2 syf Long Term Debtand Dueto Related Parties
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22973000000 USD
CY2013Q4 syf Long Term Debtand Dueto Related Parties
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24321000000 USD
CY2013Q4 syf Percentageof Total Loan Receivables Equalto Greaterthan90 Days Past Due
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0.020
syf Retailer Share Arrangements
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syf Retailer Share Arrangements
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1184000000 USD
CY2014Q2 syf Marketingand Business Development Expense
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97000000 USD
syf Marketingand Business Development Expense
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98000000 USD
syf Marketingand Business Development Expense
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180000000 USD
CY2014Q2 syf Noninterest Expense Loyalty Programs
NoninterestExpenseLoyaltyPrograms
63000000 USD
syf Noninterest Expense Loyalty Programs
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98000000 USD
syf Noninterest Expense Loyalty Programs
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106000000 USD
CY2013Q2 syf Noninterest Expense Loyalty Programs
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58000000 USD
CY2013Q2 syf Noninterest Income Debt Cancellation Fees
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77000000 USD
CY2014Q2 syf Noninterest Income Debt Cancellation Fees
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70000000 USD
syf Noninterest Income Debt Cancellation Fees
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140000000 USD
syf Noninterest Income Debt Cancellation Fees
NoninterestIncomeDebtCancellationFees
162000000 USD
syf Noninterest Income Interchange Revenue
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153000000 USD
CY2013Q2 syf Noninterest Income Interchange Revenue
NoninterestIncomeInterchangeRevenue
81000000 USD
syf Noninterest Income Interchange Revenue
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168000000 USD
CY2014Q2 syf Noninterest Income Interchange Revenue
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92000000 USD
CY2013Q4 syf Parent Company Net Investment
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5973000000 USD
CY2014Q2 syf Parent Company Net Investment
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0 USD
CY2014Q2 syf Percentageof Total Loan Receivables3089 Days Past Due
PercentageofTotalLoanReceivables3089DaysPastDue
0.022
CY2013Q4 syf Percentageof Total Loan Receivables3089 Days Past Due
PercentageofTotalLoanReceivables3089DaysPastDue
0.024
CY2014Q2 syf Percentageof Total Loan Receivables90 Days Past Dueand Still Accruing
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0.017
CY2013Q4 syf Percentageof Total Loan Receivables90 Days Past Dueand Still Accruing
PercentageofTotalLoanReceivables90DaysPastDueandStillAccruing
0.020
CY2014Q2 syf Percentageof Total Loan Receivables Equalto Greaterthan90 Days Past Due
PercentageofTotalLoanReceivablesEqualtoGreaterthan90DaysPastDue
0.017
CY2014Q2 syf Percentageof Total Loan Receivables Nonaccrual Status
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0.000
CY2013Q4 syf Percentageof Total Loan Receivables Nonaccrual Status
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0.000
CY2014Q2 syf Percentageof Total Loan Receivables Past Due
PercentageofTotalLoanReceivablesPastDue
0.038
CY2013Q4 syf Percentageof Total Loan Receivables Past Due
PercentageofTotalLoanReceivablesPastDue
0.043
syf Proceedsfrom Paymentsto Contributionsfrom Parent
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51000000 USD
syf Proceedsfrom Paymentsto Contributionsfrom Parent
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-603000000 USD
CY2013Q2 syf Retailer Share Arrangements
RetailerShareArrangements
547000000 USD
CY2014Q2 syf Retailer Share Arrangements
RetailerShareArrangements
590000000 USD
CY2014Q3 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
833764589 shares
dei Entity Filer Category
EntityFilerCategory
Non-accelerated Filer
dei Entity Registrant Name
EntityRegistrantName
Synchrony Financial
dei Amendment Flag
AmendmentFlag
false
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q2
dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2014
dei Document Period End Date
DocumentPeriodEndDate
2014-06-30
dei Document Type
DocumentType
10-Q
dei Entity Central Index Key
EntityCentralIndexKey
0001601712

Files In Submission

Name View Source Status
0001601712-14-000007-index-headers.html Edgar Link pending
0001601712-14-000007-index.html Edgar Link pending
0001601712-14-000007.txt Edgar Link pending
0001601712-14-000007-xbrl.zip Edgar Link pending
ex-31a.htm Edgar Link pending
ex-31b.htm Edgar Link pending
ex-32.htm Edgar Link pending
FilingSummary.xml Edgar Link unprocessable
Financial_Report.xls Edgar Link pending
Financial_Report.xlsx Edgar Link pending
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report.css Edgar Link pending
Show.js Edgar Link pending
syf-20140630.xml Edgar Link completed
syf-20140630.xsd Edgar Link pending
syf-20140630_cal.xml Edgar Link unprocessable
syf-20140630_def.xml Edgar Link unprocessable
syf-20140630_lab.xml Edgar Link unprocessable
syf-20140630_pre.xml Edgar Link unprocessable
synchrony630201410q.htm Edgar Link pending