$SYF
Synchrony Financial Stock $syf

$syf Overview Financials Valuation SEC Filings Company Website

2014 Q4 Form 10-Q Financial Statement

#000160171214000015 Filed on October 31, 2014

Income Statement

Concept	2014 Q4	2014 Q3	2013 Q3
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	$35.00M	$33.00M	$25.00M
YoY Change	29.63%	32.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense	$282.0M	$244.0M	$183.0M
YoY Change	50.0%	33.33%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income	$853.0M	$879.0M	$1.021B
YoY Change	23.27%	-13.91%	53.07%
Income Tax	$322.0M	$331.0M	$380.0M
% Of Pretax Income	37.75%	37.66%	37.22%
Net Earnings	$531.0M	$548.0M	$641.0M
YoY Change	19.86%	-14.51%	53.35%
Net Earnings / Revenue
Basic Earnings Per Share	$0.64	$0.70	$0.91
Diluted Earnings Per Share	$0.64	$0.70	$0.91
COMMON SHARES
Basic Shares Outstanding	833.8M shares	782.0M shares	705.0M shares
Diluted Shares Outstanding		782.0M shares	705.0M shares

Balance Sheet

Concept	2014 Q4	2014 Q3	2013 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents	$11.83B	$14.81B	$2.670B
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	$949.0M
YoY Change	0.0%
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	$75.71B	$73.47B
YoY Change	28.13%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$2.814B	$3.255B
YoY Change	-8.78%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due		$602.0M
YoY Change
Total Short-Term Liabilities	$2.814B	$3.857B
YoY Change	-8.78%
LONG-TERM LIABILITIES
Long-Term Debt	$27.46B	$26.98B
YoY Change	12.91%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$27.46B	$26.98B
YoY Change	12.91%
TOTAL LIABILITIES
Total Short-Term Liabilities	$2.814B	$3.857B
Total Long-Term Liabilities	$27.46B	$26.98B
Total Liabilities	$65.23B	$63.53B
YoY Change	22.78%
SHAREHOLDERS EQUITY
Retained Earnings	$1.079B	$548.0M
YoY Change
Common Stock	$1.000M	$1.000M
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$10.48B	$9.941B	$5.583B
YoY Change
Total Liabilities & Shareholders Equity	$75.71B	$73.47B
YoY Change	28.13%

Cashflow Statement

Concept	2014 Q4	2014 Q3	2013 Q3
OPERATING ACTIVITIES
Net Income	$531.0M	$548.0M	$641.0M
YoY Change	19.86%	-14.51%	53.35%
Depreciation, Depletion And Amortization	$35.00M	$33.00M	$25.00M
YoY Change	29.63%	32.0%
Cash From Operating Activities	$1.046B	$1.295B	$1.764B
YoY Change	-8.65%	-26.59%
INVESTING ACTIVITIES
Capital Expenditures
YoY Change
Acquisitions
YoY Change
Other Investing Activities	-$6.157B	-$2.896B	-$2.098B
YoY Change	33.12%	38.04%
Cash From Investing Activities	-$6.157B	-$2.896B	-$2.098B
YoY Change	33.12%	38.04%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	2.131B	9.627B	-106.0M
YoY Change	-31.9%	-9182.08%
NET CHANGE
Cash From Operating Activities	1.046B	1.295B	1.764B
Cash From Investing Activities	-6.157B	-2.896B	-2.098B
Cash From Financing Activities	2.131B	9.627B	-106.0M
Net Change In Cash	-2.980B	8.026B	-440.0M
YoY Change	749.0%	-1924.09%
FREE CASH FLOW
Cash From Operating Activities	$1.046B	$1.295B	$1.764B
Capital Expenditures
Free Cash Flow
YoY Change

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
CY2014Q3	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	3255000000	USD
CY2013Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	3085000000	USD
CY2014Q3	us-gaap	Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax	-4000000	USD
CY2013Q4	us-gaap	Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax	-9000000	USD
CY2013Q4	us-gaap	Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax	-3000000	USD
CY2014Q3	us-gaap	Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax	-4000000	USD
CY2014Q3	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	9401000000	USD
CY2013Q4	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	0	USD
	us-gaap	Adjustments To Additional Paid In Capital Other AdjustmentsToAdditionalPaidInCapitalOther	155000000	USD
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	5000000	USD
CY2013Q3	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	134000000	USD
CY2014Q3	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	150000000	USD
	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	425000000	USD
	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	431000000	USD
CY2013Q3	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	667000000	USD
CY2014Q3	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	729000000	USD
	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	2161000000	USD
	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	2341000000	USD
CY2014Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	6000000	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	6000000	shares
CY2014Q3	us-gaap	Assets Assets	73469000000	USD
CY2013Q4	us-gaap	Assets Assets	59085000000	USD
CY2013Q4	us-gaap	Available For Sale Equity Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax	0	USD
CY2014Q3	us-gaap	Available For Sale Equity Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax	0	USD
CY2013Q4	us-gaap	Available For Sale Equity Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax	0	USD
CY2014Q3	us-gaap	Available For Sale Equity Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax	0	USD
CY2013Q4	us-gaap	Available For Sale Equity Securities Amortized Cost Basis AvailableForSaleEquitySecuritiesAmortizedCostBasis	15000000	USD
CY2014Q3	us-gaap	Available For Sale Equity Securities Amortized Cost Basis AvailableForSaleEquitySecuritiesAmortizedCostBasis	15000000	USD
CY2014Q3	us-gaap	Available For Sale Securities AvailableForSaleSecurities	325000000	USD
CY2013Q4	us-gaap	Available For Sale Securities AvailableForSaleSecurities	236000000	USD
CY2013Q4	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	1000000	USD
CY2014Q3	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	3000000	USD
CY2013Q4	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	16000000	USD
CY2014Q3	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	9000000	USD
CY2014Q3	us-gaap	Available For Sale Securities Amortized Cost AvailableForSaleSecuritiesAmortizedCost	331000000	USD
CY2013Q4	us-gaap	Available For Sale Securities Amortized Cost AvailableForSaleSecuritiesAmortizedCost	251000000	USD
CY2013Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	7000000	USD
CY2014Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	8000000	USD
CY2013Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	9000000	USD
CY2014Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	1000000	USD
CY2013Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue	164000000	USD
CY2014Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue	72000000	USD
CY2013Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue	40000000	USD
CY2014Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue	122000000	USD
CY2014Q3	us-gaap	Available For Sale Securities Equity Securities AvailableForSaleSecuritiesEquitySecurities	15000000	USD
CY2013Q4	us-gaap	Available For Sale Securities Equity Securities AvailableForSaleSecuritiesEquitySecurities	15000000	USD
CY2014Q3	us-gaap	Capital Capital	6527000000	USD
CY2013Q4	us-gaap	Capital Capital	6010000000	USD
CY2014Q3	us-gaap	Capital Required For Capital Adequacy CapitalRequiredForCapitalAdequacy	3073000000	USD
CY2013Q4	us-gaap	Capital Required For Capital Adequacy CapitalRequiredForCapitalAdequacy	2784000000	USD
CY2014Q3	us-gaap	Capital Required For Capital Adequacy To Risk Weighted Assets CapitalRequiredForCapitalAdequacyToRiskWeightedAssets	0.08
CY2013Q4	us-gaap	Capital Required For Capital Adequacy To Risk Weighted Assets CapitalRequiredForCapitalAdequacyToRiskWeightedAssets	0.08
CY2014Q3	us-gaap	Capital Required To Be Well Capitalized CapitalRequiredToBeWellCapitalized	3841000000	USD
CY2013Q4	us-gaap	Capital Required To Be Well Capitalized CapitalRequiredToBeWellCapitalized	3480000000	USD
CY2014Q3	us-gaap	Capital Required To Be Well Capitalized To Risk Weighted Assets CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets	0.1
CY2013Q4	us-gaap	Capital Required To Be Well Capitalized To Risk Weighted Assets CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets	0.1
CY2014Q3	us-gaap	Capital To Risk Weighted Assets CapitalToRiskWeightedAssets	0.170
CY2013Q4	us-gaap	Capital To Risk Weighted Assets CapitalToRiskWeightedAssets	0.173
	us-gaap	Cash Acquired From Acquisition CashAcquiredFromAcquisition	6393000000	USD
	us-gaap	Cash Acquired From Acquisition CashAcquiredFromAcquisition	0	USD
CY2014Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	14808000000	USD
CY2013Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	2319000000	USD
CY2013Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	2670000000	USD
CY2012Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	1334000000	USD
	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	1336000000	USD
	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	12489000000	USD
CY2014Q3	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.001
CY2014Q3	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	4000000000	shares
CY2014Q3	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	833764589	shares
CY2014Q3	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	833764589	shares
CY2014Q3	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	705000000	shares
CY2014Q3	us-gaap	Common Stock Value CommonStockValue	1000000	USD
CY2013Q4	us-gaap	Common Stock Value CommonStockValue	0	USD
CY2014Q3	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	546000000	USD
CY2013Q3	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	640000000	USD
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	1525000000	USD
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	1582000000	USD
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	-197000000	USD
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	-213000000	USD
CY2014Q3	us-gaap	Deposits Deposits	32689000000	USD
CY2013Q4	us-gaap	Deposits Deposits	25719000000	USD
	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	96000000	USD
	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	77000000	USD
CY2014Q3	us-gaap	Due From Related Parties DueFromRelatedParties	183000000	USD
CY2014Q3	us-gaap	Due To Related Parties Current And Noncurrent DueToRelatedPartiesCurrentAndNoncurrent	1405000000	USD
CY2013Q4	us-gaap	Due To Related Parties Current And Noncurrent DueToRelatedPartiesCurrentAndNoncurrent	8959000000	USD
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	2.16
CY2013Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	0.91
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	2.18
CY2014Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	0.70
CY2013Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	0.91
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	2.16
CY2014Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	0.70
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	2.18
	us-gaap	Financing Receivable Modifications Post Modification Recorded Investment2 FinancingReceivableModificationsPostModificationRecordedInvestment2	418000000	USD
CY2013Q3	us-gaap	Financing Receivable Modifications Post Modification Recorded Investment2 FinancingReceivableModificationsPostModificationRecordedInvestment2	123000000	USD
	us-gaap	Financing Receivable Modifications Post Modification Recorded Investment2 FinancingReceivableModificationsPostModificationRecordedInvestment2	314000000	USD
CY2014Q3	us-gaap	Financing Receivable Modifications Post Modification Recorded Investment2 FinancingReceivableModificationsPostModificationRecordedInvestment2	108000000	USD
CY2013Q3	us-gaap	Financing Receivable Modifications Subsequent Default Number Of Contracts1 FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1	26393	account
CY2014Q3	us-gaap	Financing Receivable Modifications Subsequent Default Number Of Contracts1 FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1	14619	account
	us-gaap	Financing Receivable Modifications Subsequent Default Number Of Contracts1 FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1	52502	account
	us-gaap	Financing Receivable Modifications Subsequent Default Number Of Contracts1 FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1	31536	account
CY2013Q3	us-gaap	Financing Receivable Modifications Subsequent Default Recorded Investment1 FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1	47000000	USD
CY2014Q3	us-gaap	Financing Receivable Modifications Subsequent Default Recorded Investment1 FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1	30000000	USD
	us-gaap	Financing Receivable Modifications Subsequent Default Recorded Investment1 FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1	95000000	USD
	us-gaap	Financing Receivable Modifications Subsequent Default Recorded Investment1 FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1	63000000	USD
CY2013Q4	us-gaap	Financing Receivable Recorded Investment90 Days Past Due And Still Accruing FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing	1119000000	USD
CY2014Q3	us-gaap	Financing Receivable Recorded Investment90 Days Past Due And Still Accruing FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing	1049000000	USD
CY2013Q4	us-gaap	Financing Receivable Recorded Investment Equal To Greater Than90 Days Past Due FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue	1121000000	USD
CY2014Q3	us-gaap	Financing Receivable Recorded Investment Equal To Greater Than90 Days Past Due FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue	1051000000	USD
CY2013Q4	us-gaap	Financing Receivable Recorded Investment Nonaccrual Status FinancingReceivableRecordedInvestmentNonaccrualStatus	2000000	USD
CY2014Q3	us-gaap	Financing Receivable Recorded Investment Nonaccrual Status FinancingReceivableRecordedInvestmentNonaccrualStatus	2000000	USD
CY2013Q4	us-gaap	Financing Receivable Recorded Investment Past Due FinancingReceivableRecordedInvestmentPastDue	2488000000	USD
CY2014Q3	us-gaap	Financing Receivable Recorded Investment Past Due FinancingReceivableRecordedInvestmentPastDue	2416000000	USD
CY2013Q4	us-gaap	Finite Lived Intangible Assets Accumulated Amortization FiniteLivedIntangibleAssetsAccumulatedAmortization	341000000	USD
CY2014Q3	us-gaap	Finite Lived Intangible Assets Accumulated Amortization FiniteLivedIntangibleAssetsAccumulatedAmortization	421000000	USD
CY2014Q3	us-gaap	Finite Lived Intangible Assets Gross FiniteLivedIntangibleAssetsGross	870000000	USD
CY2013Q4	us-gaap	Finite Lived Intangible Assets Gross FiniteLivedIntangibleAssetsGross	641000000	USD
CY2014Q3	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	449000000	USD
CY2013Q4	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	300000000	USD
	us-gaap	Fiscal Period FiscalPeriod	<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>
CY2013Q4	us-gaap	Goodwill Goodwill	949000000	USD
CY2014Q3	us-gaap	Goodwill Goodwill	949000000	USD
CY2014Q3	us-gaap	Impaired Financing Receivable Related Allowance ImpairedFinancingReceivableRelatedAllowance	213000000	USD
CY2013Q4	us-gaap	Impaired Financing Receivable Related Allowance ImpairedFinancingReceivableRelatedAllowance	251000000	USD
	us-gaap	Impaired Financing Receivable With Related Allowance Average Recorded Investment ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment	763000000	USD
CY2013Q4	us-gaap	Impaired Financing Receivable With Related Allowance Unpaid Principal Balance ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance	704000000	USD
	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	2450000000	USD
	us-gaap	Impaired Financing Receivable With Related Allowance Average Recorded Investment ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment	924000000	USD
CY2013Q3	us-gaap	Impaired Financing Receivable With Related Allowance Average Recorded Investment ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment	910000000	USD
CY2014Q3	us-gaap	Impaired Financing Receivable With Related Allowance Average Recorded Investment ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment	725000000	USD
	us-gaap	Impaired Financing Receivable With Related Allowance Interest Income Accrual Method ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod	70000000	USD
	us-gaap	Impaired Financing Receivable With Related Allowance Interest Income Accrual Method ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod	43000000	USD
CY2013Q3	us-gaap	Impaired Financing Receivable With Related Allowance Interest Income Accrual Method ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod	24000000	USD
CY2014Q3	us-gaap	Impaired Financing Receivable With Related Allowance Interest Income Accrual Method ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod	14000000	USD
CY2014Q3	us-gaap	Impaired Financing Receivable With Related Allowance Recorded Investment ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment	718000000	USD
CY2013Q4	us-gaap	Impaired Financing Receivable With Related Allowance Recorded Investment ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment	811000000	USD
CY2014Q3	us-gaap	Impaired Financing Receivable With Related Allowance Unpaid Principal Balance ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance	649000000	USD
CY2013Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	1021000000	USD
CY2014Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	879000000	USD
	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	2533000000	USD
CY2013Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	380000000	USD
CY2014Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	331000000	USD
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	914000000	USD
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	955000000	USD
	us-gaap	Increase Decrease In Accrued Liabilities And Other Operating Liabilities IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities	817000000	USD
	us-gaap	Increase Decrease In Accrued Liabilities And Other Operating Liabilities IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities	261000000	USD
	us-gaap	Increase Decrease In Deposits IncreaseDecreaseInDeposits	6822000000	USD
	us-gaap	Increase Decrease In Deposits IncreaseDecreaseInDeposits	-3076000000	USD
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-129000000	USD
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-1000000	USD
	us-gaap	Increase Decrease In Other Operating Capital Net IncreaseDecreaseInOtherOperatingCapitalNet	-62000000	USD
	us-gaap	Increase Decrease In Other Operating Capital Net IncreaseDecreaseInOtherOperatingCapitalNet	-49000000	USD
	us-gaap	Increase Decrease In Restricted Cash IncreaseDecreaseInRestrictedCash	363000000	USD
	us-gaap	Increase Decrease In Restricted Cash IncreaseDecreaseInRestrictedCash	2000000	USD
CY2013Q3	us-gaap	Information Technology And Data Processing InformationTechnologyAndDataProcessing	47000000	USD
CY2014Q3	us-gaap	Information Technology And Data Processing InformationTechnologyAndDataProcessing	47000000	USD
	us-gaap	Information Technology And Data Processing InformationTechnologyAndDataProcessing	152000000	USD
	us-gaap	Information Technology And Data Processing InformationTechnologyAndDataProcessing	141000000	USD
	us-gaap	Interest And Dividend Income Securities Available For Sale InterestAndDividendIncomeSecuritiesAvailableForSale	13000000	USD
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CY2013Q3	us-gaap	Interest Expense InterestExpense	183000000	USD
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CY2014Q3	us-gaap	Interest Expense Deposits InterestExpenseDeposits	126000000	USD
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CY2013Q3	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	2703000000	USD
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CY2014Q3	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	2879000000	USD
CY2013Q3	us-gaap	Interest Income Operating InterestIncomeOperating	2886000000	USD
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	us-gaap	Interest Income Operating InterestIncomeOperating	8982000000	USD
CY2014Q3	us-gaap	Interest Income Operating InterestIncomeOperating	3123000000	USD
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CY2013Q3	us-gaap	Labor And Related Expense LaborAndRelatedExpense	173000000	USD
CY2013Q4	us-gaap	Liabilities Liabilities	53125000000	USD
CY2014Q3	us-gaap	Liabilities Liabilities	63528000000	USD
CY2013Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	59085000000	USD
CY2014Q3	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	73469000000	USD
CY2014Q3	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	3102000000	USD
CY2013Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	2892000000	USD
CY2013Q2	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	2784000000	USD
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CY2013Q4	us-gaap	Loans And Leases Receivable Deferred Income LoansAndLeasesReceivableDeferredIncome	8000000	USD
CY2014Q3	us-gaap	Loans And Leases Receivable Deferred Income LoansAndLeasesReceivableDeferredIncome	29000000	USD
CY2013Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	57254000000	USD
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CY2014Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	53665000000	USD
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CY2014Q3	us-gaap	Net Income Loss NetIncomeLoss	548000000	USD
CY2013Q3	us-gaap	Net Income Loss NetIncomeLoss	641000000	USD
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CY2013Q3	us-gaap	Noninterest Income NoninterestIncome	114000000	USD
CY2014Q3	us-gaap	Noninterest Income NoninterestIncome	96000000	USD
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CY2014Q3	us-gaap	Tier One Leverage Capital Required For Capital Adequacy TierOneLeverageCapitalRequiredForCapitalAdequacy	1822000000	USD
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CY2013Q4	us-gaap	Stockholders Equity StockholdersEquity	5960000000	USD
CY2014Q3	us-gaap	Stockholders Equity StockholdersEquity	9941000000	USD
CY2013Q3	us-gaap	Stockholders Equity StockholdersEquity	5583000000	USD
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CY2014Q3	us-gaap	Tier One Leverage Capital TierOneLeverageCapital	6027000000	USD
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CY2014Q3	us-gaap	Tier One Leverage Capital Required To Be Well Capitalized TierOneLeverageCapitalRequiredToBeWellCapitalized	2277000000	USD
CY2013Q4	us-gaap	Tier One Leverage Capital Required To Be Well Capitalized TierOneLeverageCapitalRequiredToBeWellCapitalized	1869000000	USD
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CY2014Q3	us-gaap	Tier One Risk Based Capital Required For Capital Adequacy TierOneRiskBasedCapitalRequiredForCapitalAdequacy	1536000000	USD
CY2013Q4	us-gaap	Tier One Risk Based Capital Required For Capital Adequacy TierOneRiskBasedCapitalRequiredForCapitalAdequacy	1392000000	USD
CY2014Q3	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
CY2014Q3	us-gaap	Tier One Risk Based Capital Required To Be Well Capitalized TierOneRiskBasedCapitalRequiredToBeWellCapitalized	2304000000	USD
CY2013Q4	us-gaap	Tier One Risk Based Capital Required To Be Well Capitalized TierOneRiskBasedCapitalRequiredToBeWellCapitalized	2088000000	USD
CY2014Q3	us-gaap	Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets	0.06
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CY2013Q4	us-gaap	Tier One Risk Based Capital To Risk Weighted Assets TierOneRiskBasedCapitalToRiskWeightedAssets	0.160
CY2014Q3	us-gaap	Time Deposit Maturities After Year Five TimeDepositMaturitiesAfterYearFive	5978000000	USD
CY2014Q3	us-gaap	Time Deposit Maturities Remainder Of Fiscal Year TimeDepositMaturitiesRemainderOfFiscalYear	2064000000	USD
CY2014Q3	us-gaap	Time Deposit Maturities Year Five TimeDepositMaturitiesYearFive	1891000000	USD
CY2014Q3	us-gaap	Time Deposit Maturities Year Four TimeDepositMaturitiesYearFour	2534000000	USD
CY2014Q3	us-gaap	Time Deposit Maturities Year Three TimeDepositMaturitiesYearThree	2306000000	USD
CY2014Q3	us-gaap	Time Deposit Maturities Year Two TimeDepositMaturitiesYearTwo	11154000000	USD
CY2013Q4	us-gaap	Time Deposits100000 Or More TimeDeposits100000OrMore	5695000000	USD
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CY2014Q3	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	53000000	USD
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CY2013Q4	us-gaap	Unsecured Debt UnsecuredDebt	0	USD
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CY2013Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	705000000	shares
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CY2014Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	782000000	shares
CY2014Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	782000000	shares
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CY2013Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	705000000	shares
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CY2014Q3	syf	Accumulated Other Comprehensive Income Loss Other Netof Tax AccumulatedOtherComprehensiveIncomeLossOtherNetofTax	-1000000	USD
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CY2014Q3	syf	Financing Receivable Recorded Investment30to89 Days Past Due FinancingReceivableRecordedInvestment30to89DaysPastDue	1365000000	USD
CY2014Q3	syf	Impaired Financing Receivable Netof Related Allowance ImpairedFinancingReceivableNetofRelatedAllowance	505000000	USD
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CY2014Q3	syf	Marketingand Business Development Expense MarketingandBusinessDevelopmentExpense	115000000	USD
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CY2014Q3	syf	Noninterest Expense Loyalty Programs NoninterestExpenseLoyaltyPrograms	84000000	USD
	syf	Noninterest Expense Loyalty Programs NoninterestExpenseLoyaltyPrograms	190000000	USD
	syf	Noninterest Income Debt Cancellation Fees NoninterestIncomeDebtCancellationFees	208000000	USD
CY2014Q3	syf	Noninterest Income Debt Cancellation Fees NoninterestIncomeDebtCancellationFees	68000000	USD
	syf	Noninterest Income Debt Cancellation Fees NoninterestIncomeDebtCancellationFees	236000000	USD
CY2013Q3	syf	Noninterest Income Debt Cancellation Fees NoninterestIncomeDebtCancellationFees	74000000	USD
CY2014Q3	syf	Noninterest Income Interchange Revenue NoninterestIncomeInterchangeRevenue	101000000	USD
	syf	Noninterest Income Interchange Revenue NoninterestIncomeInterchangeRevenue	269000000	USD
	syf	Noninterest Income Interchange Revenue NoninterestIncomeInterchangeRevenue	235000000	USD
CY2013Q3	syf	Noninterest Income Interchange Revenue NoninterestIncomeInterchangeRevenue	82000000	USD
CY2013Q4	syf	Parent Company Net Investment ParentCompanyNetInvestment	5973000000	USD
CY2014Q3	syf	Parent Company Net Investment ParentCompanyNetInvestment	0	USD
CY2013Q4	syf	Percentageof Total Loan Receivables3089 Days Past Due PercentageofTotalLoanReceivables3089DaysPastDue	0.024
CY2014Q3	syf	Percentageof Total Loan Receivables3089 Days Past Due PercentageofTotalLoanReceivables3089DaysPastDue	0.024
CY2013Q4	syf	Percentageof Total Loan Receivables90 Days Past Dueand Still Accruing PercentageofTotalLoanReceivables90DaysPastDueandStillAccruing	0.020
CY2014Q3	syf	Percentageof Total Loan Receivables90 Days Past Dueand Still Accruing PercentageofTotalLoanReceivables90DaysPastDueandStillAccruing	0.018
CY2013Q4	syf	Percentageof Total Loan Receivables Equalto Greaterthan90 Days Past Due PercentageofTotalLoanReceivablesEqualtoGreaterthan90DaysPastDue	0.020
CY2014Q3	syf	Percentageof Total Loan Receivables Equalto Greaterthan90 Days Past Due PercentageofTotalLoanReceivablesEqualtoGreaterthan90DaysPastDue	0.019
CY2013Q4	syf	Percentageof Total Loan Receivables Nonaccrual Status PercentageofTotalLoanReceivablesNonaccrualStatus	0.000
CY2014Q3	syf	Percentageof Total Loan Receivables Nonaccrual Status PercentageofTotalLoanReceivablesNonaccrualStatus	0.000
CY2013Q4	syf	Percentageof Total Loan Receivables Past Due PercentageofTotalLoanReceivablesPastDue	0.043
CY2014Q3	syf	Percentageof Total Loan Receivables Past Due PercentageofTotalLoanReceivablesPastDue	0.043
	syf	Proceedsfrom Paymentsto Contributionsfrom Parent ProceedsfromPaymentstoContributionsfromParent	-603000000	USD
	syf	Proceedsfrom Paymentsto Contributionsfrom Parent ProceedsfromPaymentstoContributionsfromParent	-524000000	USD
	syf	Retailer Share Arrangements RetailerShareArrangements	1877000000	USD
CY2014Q3	syf	Retailer Share Arrangements RetailerShareArrangements	693000000	USD
	syf	Retailer Share Arrangements RetailerShareArrangements	1711000000	USD
CY2013Q3	syf	Retailer Share Arrangements RetailerShareArrangements	680000000	USD
CY2014Q3	syf	Transitional Trademark License Agreement Allowable Period After Ownership Percentage Is Not Met TransitionalTrademarkLicenseAgreementAllowablePeriodAfterOwnershipPercentageIsNotMet	P3Y
	dei	Amendment Flag AmendmentFlag	false
	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	Q3
	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2014
	dei	Document Period End Date DocumentPeriodEndDate	2014-09-30
	dei	Document Type DocumentType	10-Q
	dei	Entity Central Index Key EntityCentralIndexKey	0001601712
CY2014Q4	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	833764589	shares
	dei	Entity Filer Category EntityFilerCategory	Non-accelerated Filer
	dei	Entity Registrant Name EntityRegistrantName	Synchrony Financial

Files In Submission

Name	View Source	Status
0001601712-14-000015-index-headers.html	Edgar Link	pending
0001601712-14-000015-index.html	Edgar Link	pending
0001601712-14-000015.txt	Edgar Link	pending
0001601712-14-000015-xbrl.zip	Edgar Link	pending
ex-31a9302014.htm	Edgar Link	pending
ex-31b9302014.htm	Edgar Link	pending
ex-329302014.htm	Edgar Link	pending
FilingSummary.xml	Edgar Link	unprocessable
Financial_Report.xls	Edgar Link	pending
Financial_Report.xlsx	Edgar Link	pending
R1.htm	Edgar Link	pending
R10.htm	Edgar Link	pending
R11.htm	Edgar Link	pending
R12.htm	Edgar Link	pending
R13.htm	Edgar Link	pending
R14.htm	Edgar Link	pending
R15.htm	Edgar Link	pending
R16.htm	Edgar Link	pending
R17.htm	Edgar Link	pending
R18.htm	Edgar Link	pending
R19.htm	Edgar Link	pending
R2.htm	Edgar Link	pending
R20.htm	Edgar Link	pending
R21.htm	Edgar Link	pending
R22.htm	Edgar Link	pending
R23.htm	Edgar Link	pending
R24.htm	Edgar Link	pending
R25.htm	Edgar Link	pending
R26.htm	Edgar Link	pending
R27.htm	Edgar Link	pending
R28.htm	Edgar Link	pending
R29.htm	Edgar Link	pending
R3.htm	Edgar Link	pending
R30.htm	Edgar Link	pending
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R38.htm	Edgar Link	pending
R39.htm	Edgar Link	pending
R4.htm	Edgar Link	pending
R40.htm	Edgar Link	pending
R41.htm	Edgar Link	pending
R42.htm	Edgar Link	pending
R43.htm	Edgar Link	pending
R44.htm	Edgar Link	pending
R45.htm	Edgar Link	pending
R46.htm	Edgar Link	pending
R47.htm	Edgar Link	pending
R48.htm	Edgar Link	pending
R49.htm	Edgar Link	pending
R5.htm	Edgar Link	pending
R50.htm	Edgar Link	pending
R51.htm	Edgar Link	pending
R52.htm	Edgar Link	pending
R53.htm	Edgar Link	pending
R54.htm	Edgar Link	pending
R55.htm	Edgar Link	pending
R56.htm	Edgar Link	pending
R57.htm	Edgar Link	pending
R58.htm	Edgar Link	pending
R59.htm	Edgar Link	pending
R6.htm	Edgar Link	pending
R60.htm	Edgar Link	pending
R61.htm	Edgar Link	pending
R62.htm	Edgar Link	pending
R63.htm	Edgar Link	pending
R64.htm	Edgar Link	pending
R65.htm	Edgar Link	pending
R66.htm	Edgar Link	pending
R67.htm	Edgar Link	pending
R68.htm	Edgar Link	pending
R69.htm	Edgar Link	pending
R7.htm	Edgar Link	pending
R70.htm	Edgar Link	pending
R71.htm	Edgar Link	pending
R8.htm	Edgar Link	pending
R9.htm	Edgar Link	pending
report.css	Edgar Link	pending
Show.js	Edgar Link	pending
syf-20140930.xml	Edgar Link	completed
syf-20140930.xsd	Edgar Link	pending
syf-20140930_cal.xml	Edgar Link	unprocessable
syf-20140930_def.xml	Edgar Link	unprocessable
syf-20140930_lab.xml	Edgar Link	unprocessable
syf-20140930_pre.xml	Edgar Link	unprocessable
synchrony930201410q.htm	Edgar Link	pending

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$SYF
Synchrony Financial Stock $syf

2014 Q4 Form 10-Q Financial Statement

#000160171214000015 Filed on October 31, 2014

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$SYF Synchrony Financial Stock $syf

2014 Q4 Form 10-Q Financial Statement

#000160171214000015 Filed on October 31, 2014

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$SYF
Synchrony Financial Stock $syf