$SYF
Synchrony Financial

2020 Q1 Form 10-Q Financial Statement

#000160171220000138 Filed on April 22, 2020

View on sec.gov

Income Statement

Concept 2020 Q1 2019 Q1
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 $96.00M $87.00M
YoY Change 10.34% 22.54%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $517.0M $560.0M
YoY Change -7.68% 39.3%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $382.0M $1.462B
YoY Change -73.87% 72.61%
Income Tax $96.00M $355.0M
% Of Pretax Income 25.13% 24.28%
Net Earnings $286.0M $1.107B
YoY Change -74.16% 72.97%
Net Earnings / Revenue
Basic Earnings Per Share $0.45 $1.57
Diluted Earnings Per Share $0.45 $1.56
COMMON SHARES
Basic Shares Outstanding 604.9M shares 706.3M shares
Diluted Shares Outstanding 607.4M shares 708.9M shares

Balance Sheet

Concept 2020 Q1 2019 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $13.70B $12.96B
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 $1.078B $1.076B
YoY Change 0.19% 8.58%
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 $98.04B $105.4B
YoY Change -6.97% 10.28%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $4.205B $4.724B
YoY Change -10.99% 30.57%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $4.205B $4.724B
YoY Change -10.99% 30.57%
LONG-TERM LIABILITIES
Long-Term Debt $17.25B $21.89B
YoY Change -21.21% 4.17%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $17.25B $21.89B
YoY Change -21.21% 4.17%
TOTAL LIABILITIES
Total Short-Term Liabilities $4.205B $4.724B
Total Long-Term Liabilities $17.25B $21.89B
Total Liabilities $86.07B $90.68B
YoY Change -5.08% 11.66%
SHAREHOLDERS EQUITY
Retained Earnings $9.960B $9.939B
YoY Change 0.21% 35.52%
Common Stock $1.000M $1.000M
YoY Change 0.0% 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost) $8.199B $4.664B
YoY Change 75.79% 97.38%
Treasury Stock Shares 250.8M shares 145.1M shares
Shareholders Equity $11.97B $14.71B
YoY Change
Total Liabilities & Shareholders Equity $98.04B $105.4B
YoY Change -6.97% 10.28%

Cashflow Statement

Concept 2020 Q1 2019 Q1
OPERATING ACTIVITIES
Net Income $286.0M $1.107B
YoY Change -74.16% 72.97%
Depreciation, Depletion And Amortization $96.00M $87.00M
YoY Change 10.34% 22.54%
Cash From Operating Activities $1.537B $2.289B
YoY Change -32.85% 19.53%
INVESTING ACTIVITIES
Capital Expenditures
YoY Change
Acquisitions
YoY Change
Other Investing Activities $79.00M $201.0M
YoY Change -60.7% 164.47%
Cash From Investing Activities $3.887B $3.810B
YoY Change 2.02% 404.64%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $985.0M $967.0M
YoY Change 1.86% 135.85%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -$4.287B -$3.182B
YoY Change 34.73% 916.61%
NET CHANGE
Cash From Operating Activities $1.537B $2.289B
Cash From Investing Activities $3.887B $3.810B
Cash From Financing Activities -$4.287B -$3.182B
Net Change In Cash $1.137B $2.917B
YoY Change -61.02% 23.76%
FREE CASH FLOW
Cash From Operating Activities $1.537B $2.289B
Capital Expenditures
Free Cash Flow
YoY Change

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
CY2020Q1 dei Amendment Flag
AmendmentFlag
false
CY2020Q1 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
CY2020Q1 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q1
CY2020Q1 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2020
CY2020Q1 dei Entity Central Index Key
EntityCentralIndexKey
0001601712
CY2019Q1 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
5000000 shares
CY2019Q1 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.21
CY2020Q1 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.22
CY2019Q4 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.001
CY2020Q1 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.001
CY2019Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
4000000000 shares
CY2020Q1 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
4000000000 shares
CY2019Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
833984684 shares
CY2020Q1 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
833984684 shares
CY2019Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
615925168 shares
CY2020Q1 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
583232644 shares
CY2020Q1 us-gaap Preferred Stock Dividends Per Share Declared
PreferredStockDividendsPerShareDeclared
14.22
CY2019Q4 us-gaap Preferred Stock Liquidation Preference Value
PreferredStockLiquidationPreferenceValue
750000000 USD
CY2020Q1 us-gaap Preferred Stock Liquidation Preference Value
PreferredStockLiquidationPreferenceValue
750000000 USD
CY2019Q4 us-gaap Preferred Stock Par Or Stated Value Per Share
PreferredStockParOrStatedValuePerShare
0.001
CY2020Q1 us-gaap Preferred Stock Par Or Stated Value Per Share
PreferredStockParOrStatedValuePerShare
0.001
CY2019Q4 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
750000 shares
CY2020Q1 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
750000 shares
CY2019Q4 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
750000 shares
CY2020Q1 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
750000 shares
CY2019Q4 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
750000 shares
CY2020Q1 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
750000 shares
CY2019Q4 us-gaap Treasury Stock Shares
TreasuryStockShares
218059516 shares
CY2020Q1 us-gaap Treasury Stock Shares
TreasuryStockShares
250752040 shares
CY2020Q1 dei Document Type
DocumentType
10-Q
CY2020Q1 dei Document Quarterly Report
DocumentQuarterlyReport
true
CY2020Q1 dei Document Period End Date
DocumentPeriodEndDate
2020-03-31
CY2020Q1 dei Document Transition Report
DocumentTransitionReport
false
CY2020Q1 dei Entity File Number
EntityFileNumber
001-36560
CY2020Q1 dei Entity Registrant Name
EntityRegistrantName
SYNCHRONY FINANCIAL
CY2020Q1 dei Entity Incorporation State Country Code
EntityIncorporationStateCountryCode
DE
CY2020Q1 dei Entity Tax Identification Number
EntityTaxIdentificationNumber
51-0483352
CY2020Q1 dei Entity Address Address Line1
EntityAddressAddressLine1
777 Long Ridge Road
CY2020Q1 dei Entity Address City Or Town
EntityAddressCityOrTown
Stamford,
CY2020Q1 dei Entity Address State Or Province
EntityAddressStateOrProvince
CT
CY2020Q1 dei Entity Address Postal Zip Code
EntityAddressPostalZipCode
06902
CY2020Q1 dei City Area Code
CityAreaCode
203
CY2020Q1 dei Local Phone Number
LocalPhoneNumber
585-2400
CY2020Q1 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2020Q1 dei Entity Interactive Data Current
EntityInteractiveDataCurrent
Yes
CY2020Q1 dei Entity Filer Category
EntityFilerCategory
Large Accelerated Filer
CY2020Q1 dei Entity Small Business
EntitySmallBusiness
false
CY2020Q1 dei Entity Emerging Growth Company
EntityEmergingGrowthCompany
false
CY2020Q1 dei Entity Shell Company
EntityShellCompany
false
CY2020Q2 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
583707826 shares
CY2020Q1 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
4340000000 USD
CY2019Q1 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
4687000000 USD
CY2020Q1 syf Interestand Dividend Income Cashand Securities Operating
InterestandDividendIncomeCashandSecuritiesOperating
67000000 USD
CY2019Q1 syf Interestand Dividend Income Cashand Securities Operating
InterestandDividendIncomeCashandSecuritiesOperating
99000000 USD
CY2020Q1 us-gaap Interest Income Operating
InterestIncomeOperating
4407000000 USD
CY2019Q1 us-gaap Interest Income Operating
InterestIncomeOperating
4786000000 USD
CY2020Q1 us-gaap Interest Expense Deposits
InterestExpenseDeposits
356000000 USD
CY2019Q1 us-gaap Interest Expense Deposits
InterestExpenseDeposits
375000000 USD
CY2020Q1 us-gaap Interest Expense Debt
InterestExpenseDebt
88000000 USD
CY2019Q1 us-gaap Interest Expense Debt
InterestExpenseDebt
85000000 USD
CY2020Q1 us-gaap Interest Expense
InterestExpense
517000000 USD
CY2019Q1 us-gaap Interest Expense
InterestExpense
560000000 USD
CY2020Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
3890000000 USD
CY2019Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
4226000000 USD
CY2020Q1 syf Retailer Share Arrangements
RetailerShareArrangements
926000000 USD
CY2019Q1 syf Retailer Share Arrangements
RetailerShareArrangements
954000000 USD
CY2020Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
1677000000 USD
CY2019Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
859000000 USD
CY2020Q1 syf Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss
InterestIncomeExpenseafterRetailerShareArrangementsandProvisionforLoanLoss
1287000000 USD
CY2019Q1 syf Interest Income Expenseafter Retailer Share Arrangementsand Provisionfor Loan Loss
InterestIncomeExpenseafterRetailerShareArrangementsandProvisionforLoanLoss
2413000000 USD
CY2020Q1 syf Noninterest Income Interchange Revenue
NoninterestIncomeInterchangeRevenue
161000000 USD
CY2019Q1 syf Noninterest Income Interchange Revenue
NoninterestIncomeInterchangeRevenue
165000000 USD
CY2020Q1 syf Noninterest Income Debt Cancellation Fees
NoninterestIncomeDebtCancellationFees
69000000 USD
CY2019Q1 syf Noninterest Income Debt Cancellation Fees
NoninterestIncomeDebtCancellationFees
68000000 USD
CY2020Q1 syf Noninterest Expense Loyalty Programs
NoninterestExpenseLoyaltyPrograms
158000000 USD
CY2019Q1 syf Noninterest Expense Loyalty Programs
NoninterestExpenseLoyaltyPrograms
167000000 USD
CY2020Q1 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
25000000 USD
CY2019Q1 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
26000000 USD
CY2020Q1 us-gaap Noninterest Income
NoninterestIncome
97000000 USD
CY2019Q1 us-gaap Noninterest Income
NoninterestIncome
92000000 USD
CY2020Q1 us-gaap Labor And Related Expense
LaborAndRelatedExpense
324000000 USD
CY2019Q1 us-gaap Labor And Related Expense
LaborAndRelatedExpense
353000000 USD
CY2020Q1 us-gaap Professional Fees
ProfessionalFees
197000000 USD
CY2019Q1 us-gaap Professional Fees
ProfessionalFees
232000000 USD
CY2020Q1 syf Marketingand Business Development Expense
MarketingandBusinessDevelopmentExpense
111000000 USD
CY2019Q1 syf Marketingand Business Development Expense
MarketingandBusinessDevelopmentExpense
123000000 USD
CY2020Q1 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
123000000 USD
CY2019Q1 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
113000000 USD
CY2020Q1 us-gaap Other Noninterest Expense
OtherNoninterestExpense
247000000 USD
CY2019Q1 us-gaap Other Noninterest Expense
OtherNoninterestExpense
222000000 USD
CY2020Q1 us-gaap Noninterest Expense
NoninterestExpense
1002000000 USD
CY2019Q1 us-gaap Noninterest Expense
NoninterestExpense
1043000000 USD
CY2020Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
382000000 USD
CY2019Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
1462000000 USD
CY2020Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
96000000 USD
CY2019Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
355000000 USD
CY2020Q1 us-gaap Net Income Loss
NetIncomeLoss
286000000 USD
CY2019Q1 us-gaap Net Income Loss
NetIncomeLoss
1107000000 USD
CY2020Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
275000000 USD
CY2019Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
1107000000 USD
CY2020Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.45
CY2019Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.57
CY2020Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.45
CY2019Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.56
CY2020Q1 us-gaap Net Income Loss
NetIncomeLoss
286000000 USD
CY2019Q1 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
19000000 USD
CY2020Q1 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
295000000 USD
CY2020Q1 us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax
OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax
-8000000 USD
CY2019Q1 us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax
OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax
2000000 USD
CY2020Q1 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
9000000 USD
CY2019Q1 us-gaap Net Income Loss
NetIncomeLoss
1107000000 USD
CY2020Q1 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
17000000 USD
CY2019Q1 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
17000000 USD
CY2019Q1 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
1126000000 USD
CY2020Q1 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
13704000000 USD
CY2019Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
12147000000 USD
CY2020Q1 us-gaap Available For Sale Securities
AvailableForSaleSecurities
6146000000 USD
CY2019Q4 us-gaap Available For Sale Securities
AvailableForSaleSecurities
5911000000 USD
CY2020Q1 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
82469000000 USD
CY2019Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
87215000000 USD
CY2020Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
9175000000 USD
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
5602000000 USD
CY2020Q1 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
73294000000 USD
CY2019Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
81613000000 USD
CY2020Q1 us-gaap Loans Receivable Held For Sale Amount
LoansReceivableHeldForSaleAmount
5000000 USD
CY2019Q4 us-gaap Loans Receivable Held For Sale Amount
LoansReceivableHeldForSaleAmount
725000000 USD
CY2020Q1 us-gaap Goodwill
Goodwill
1078000000 USD
CY2019Q4 us-gaap Goodwill
Goodwill
1078000000 USD
CY2020Q1 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1208000000 USD
CY2019Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1265000000 USD
CY2020Q1 us-gaap Other Assets
OtherAssets
2603000000 USD
CY2019Q4 us-gaap Other Assets
OtherAssets
2087000000 USD
CY2020Q1 us-gaap Assets
Assets
98038000000 USD
CY2019Q4 us-gaap Assets
Assets
104826000000 USD
CY2020Q1 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
64302000000 USD
CY2019Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
64877000000 USD
CY2020Q1 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
313000000 USD
CY2019Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
277000000 USD
CY2020Q1 us-gaap Deposits
Deposits
64615000000 USD
CY2019Q4 us-gaap Deposits
Deposits
65154000000 USD
CY2020Q1 us-gaap Senior Notes
SeniorNotes
7957000000 USD
CY2019Q4 us-gaap Senior Notes
SeniorNotes
9454000000 USD
CY2020Q1 us-gaap Long Term Debt
LongTermDebt
17248000000 USD
CY2019Q4 us-gaap Long Term Debt
LongTermDebt
19866000000 USD
CY2020Q1 us-gaap Accrued Liabilities And Other Liabilities
AccruedLiabilitiesAndOtherLiabilities
4205000000 USD
CY2019Q4 us-gaap Accrued Liabilities And Other Liabilities
AccruedLiabilitiesAndOtherLiabilities
4718000000 USD
CY2020Q1 us-gaap Liabilities
Liabilities
86068000000 USD
CY2019Q4 us-gaap Liabilities
Liabilities
89738000000 USD
CY2020Q1 us-gaap Preferred Stock Value
PreferredStockValue
734000000 USD
CY2019Q4 us-gaap Preferred Stock Value
PreferredStockValue
734000000 USD
CY2020Q1 us-gaap Common Stock Value
CommonStockValue
1000000 USD
CY2019Q4 us-gaap Common Stock Value
CommonStockValue
1000000 USD
CY2020Q1 us-gaap Additional Paid In Capital
AdditionalPaidInCapital
9523000000 USD
CY2019Q4 us-gaap Additional Paid In Capital
AdditionalPaidInCapital
9537000000 USD
CY2020Q1 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
9960000000 USD
CY2019Q4 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
12117000000 USD
CY2020Q1 us-gaap Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
16000000 USD
CY2019Q4 us-gaap Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
-1000000 USD
CY2020Q1 us-gaap Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax
AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax
-32000000 USD
CY2019Q4 us-gaap Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax
AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax
-24000000 USD
CY2020Q1 syf Accumulated Other Comprehensive Income Loss Other Netof Tax
AccumulatedOtherComprehensiveIncomeLossOtherNetofTax
-33000000 USD
CY2019Q4 syf Accumulated Other Comprehensive Income Loss Other Netof Tax
AccumulatedOtherComprehensiveIncomeLossOtherNetofTax
-33000000 USD
CY2020Q1 us-gaap Treasury Stock Value
TreasuryStockValue
8199000000 USD
CY2019Q4 us-gaap Treasury Stock Value
TreasuryStockValue
7243000000 USD
CY2020Q1 us-gaap Stockholders Equity
StockholdersEquity
11970000000 USD
CY2019Q4 us-gaap Stockholders Equity
StockholdersEquity
15088000000 USD
CY2020Q1 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
98038000000 USD
CY2019Q4 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
104826000000 USD
CY2018Q4 us-gaap Stockholders Equity
StockholdersEquity
14678000000 USD
CY2019Q1 us-gaap Net Income Loss
NetIncomeLoss
1107000000 USD
CY2019Q1 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
19000000 USD
CY2019Q1 us-gaap Treasury Stock Value Acquired Cost Method
TreasuryStockValueAcquiredCostMethod
967000000 USD
CY2019Q1 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation And Exercise Of Stock Options
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions
22000000 USD
CY2019Q1 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
150000000 USD
CY2019Q1 us-gaap Stockholders Equity Other
StockholdersEquityOther
0 USD
CY2019Q1 us-gaap Stockholders Equity
StockholdersEquity
14709000000 USD
CY2019Q4 us-gaap Stockholders Equity
StockholdersEquity
15088000000 USD
CY2020Q1 us-gaap Cumulative Effect Of New Accounting Principle In Period Of Adoption
CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption
-2276000000 USD
CY2020Q1 us-gaap Net Income Loss
NetIncomeLoss
286000000 USD
CY2020Q1 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
9000000 USD
CY2020Q1 us-gaap Treasury Stock Value Acquired Cost Method
TreasuryStockValueAcquiredCostMethod
985000000 USD
CY2020Q1 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation And Exercise Of Stock Options
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions
-6000000 USD
CY2020Q1 us-gaap Dividends Preferred Stock Cash
DividendsPreferredStockCash
11000000 USD
CY2020Q1 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
135000000 USD
CY2020Q1 us-gaap Stockholders Equity
StockholdersEquity
11970000000 USD
CY2020Q1 us-gaap Net Income Loss
NetIncomeLoss
286000000 USD
CY2019Q1 us-gaap Net Income Loss
NetIncomeLoss
1107000000 USD
CY2020Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
1677000000 USD
CY2019Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
859000000 USD
CY2020Q1 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-109000000 USD
CY2019Q1 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
145000000 USD
CY2020Q1 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
96000000 USD
CY2019Q1 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
87000000 USD
CY2020Q1 syf Increase Decreasein Interestand Fee Receivable
IncreaseDecreaseinInterestandFeeReceivable
41000000 USD
CY2019Q1 syf Increase Decreasein Interestand Fee Receivable
IncreaseDecreaseinInterestandFeeReceivable
-80000000 USD
CY2020Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
71000000 USD
CY2019Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-118000000 USD
CY2020Q1 us-gaap Increase Decrease In Accrued Liabilities And Other Operating Liabilities
IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities
-481000000 USD
CY2019Q1 us-gaap Increase Decrease In Accrued Liabilities And Other Operating Liabilities
IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities
-251000000 USD
CY2020Q1 us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
-180000000 USD
CY2019Q1 us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
-144000000 USD
CY2020Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
1537000000 USD
CY2019Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
2289000000 USD
CY2020Q1 us-gaap Proceeds From Sale And Maturity Of Available For Sale Securities
ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities
1175000000 USD
CY2019Q1 us-gaap Proceeds From Sale And Maturity Of Available For Sale Securities
ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities
2214000000 USD
CY2020Q1 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
1382000000 USD
CY2019Q1 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
1963000000 USD
CY2020Q1 us-gaap Proceeds From Sale Of Loans Receivable
ProceedsFromSaleOfLoansReceivable
709000000 USD
CY2019Q1 us-gaap Proceeds From Sale Of Loans Receivable
ProceedsFromSaleOfLoansReceivable
0 USD
CY2020Q1 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
-3464000000 USD
CY2019Q1 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
-3760000000 USD
CY2020Q1 us-gaap Payments For Proceeds From Other Investing Activities
PaymentsForProceedsFromOtherInvestingActivities
79000000 USD
CY2019Q1 us-gaap Payments For Proceeds From Other Investing Activities
PaymentsForProceedsFromOtherInvestingActivities
201000000 USD
CY2020Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
3887000000 USD
CY2019Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
3810000000 USD
CY2020Q1 us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
500000000 USD
CY2019Q1 us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
1498000000 USD
CY2020Q1 us-gaap Repayments Of Secured Debt
RepaymentsOfSecuredDebt
1623000000 USD
CY2019Q1 us-gaap Repayments Of Secured Debt
RepaymentsOfSecuredDebt
3847000000 USD
CY2020Q1 us-gaap Proceeds From Issuance Of Unsecured Debt
ProceedsFromIssuanceOfUnsecuredDebt
0 USD
CY2019Q1 us-gaap Proceeds From Issuance Of Unsecured Debt
ProceedsFromIssuanceOfUnsecuredDebt
1240000000 USD
CY2020Q1 us-gaap Repayments Of Unsecured Debt
RepaymentsOfUnsecuredDebt
1500000000 USD
CY2019Q1 us-gaap Repayments Of Unsecured Debt
RepaymentsOfUnsecuredDebt
1000000000 USD
CY2020Q1 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
PaymentsOfDividendsPreferredStockAndPreferenceStock
11000000 USD
CY2019Q1 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
PaymentsOfDividendsPreferredStockAndPreferenceStock
0 USD
CY2020Q1 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-528000000 USD
CY2019Q1 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
36000000 USD
CY2020Q1 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
985000000 USD
CY2019Q1 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
967000000 USD
CY2020Q1 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
135000000 USD
CY2019Q1 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
150000000 USD
CY2020Q1 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
-5000000 USD
CY2019Q1 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
8000000 USD
CY2020Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-4287000000 USD
CY2019Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-3182000000 USD
CY2020Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
1137000000 USD
CY2019Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
2917000000 USD
CY2019Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
12647000000 USD
CY2018Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
10376000000 USD
CY2020Q1 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
13704000000 USD
CY2019Q1 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
12963000000 USD
CY2020Q1 syf Restricted Cash And Equivalents Included In Other Assets
RestrictedCashAndEquivalentsIncludedInOtherAssets
80000000 USD
CY2019Q1 syf Restricted Cash And Equivalents Included In Other Assets
RestrictedCashAndEquivalentsIncludedInOtherAssets
330000000 USD
CY2020Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
13784000000 USD
CY2019Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
13293000000 USD
CY2020Q1 us-gaap Fiscal Period
FiscalPeriod
<div style="line-height:120%;padding-top:12px;font-size:10pt;"><span style="font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;text-decoration:none;">Interim Period Presentation</span></div><div style="line-height:120%;padding-bottom:16px;padding-top:16px;text-align:left;font-size:10pt;"><span style="font-family:Arial;font-size:10pt;">The condensed consolidated financial statements and notes thereto are unaudited. These statements include all adjustments (consisting of normal recurring accruals) that we considered necessary to present a fair statement of our results of operations, financial position and cash flows. The results reported in these condensed consolidated financial statements should not be considered as necessarily indicative of results that may be expected for the entire year. These condensed consolidated financial statements should be read in conjunction with our </span><span style="font-family:Arial;font-size:10pt;">2019</span><span style="font-family:Arial;font-size:10pt;"> annual consolidated financial statements and the related notes in our Annual Report on Form 10-K for the year ended </span><span style="font-family:Arial;font-size:10pt;">December 31, 2019</span><span style="font-family:Arial;font-size:10pt;"> (our "</span><span style="font-family:Arial;font-size:10pt;">2019</span><span style="font-family:Arial;font-size:10pt;"> Form 10-K"). </span></div>
CY2020Q1 syf Financing Receivable Thresholdfor Delinquency
FinancingReceivableThresholdforDelinquency
P30D
CY2020Q1 syf Financing Receivable Conditional Thresholdfor Non Accrual Status
FinancingReceivableConditionalThresholdforNonAccrualStatus
P180D
CY2020Q1 syf Financing Receivable Conditional Thresholdfor Non Accrual Statusfor Non Credit Card Accounts
FinancingReceivableConditionalThresholdforNonAccrualStatusforNonCreditCardAccounts
P90D
CY2020Q1 us-gaap Available For Sale Securities Amortized Cost
AvailableForSaleSecuritiesAmortizedCost
6125000000 USD
CY2020Q1 us-gaap Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
28000000 USD
CY2020Q1 us-gaap Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
7000000 USD
CY2020Q1 us-gaap Available For Sale Securities
AvailableForSaleSecurities
6146000000 USD
CY2019Q4 us-gaap Available For Sale Securities Amortized Cost
AvailableForSaleSecuritiesAmortizedCost
5911000000 USD
CY2019Q4 us-gaap Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
11000000 USD
CY2019Q4 us-gaap Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
11000000 USD
CY2019Q4 us-gaap Available For Sale Securities
AvailableForSaleSecurities
5911000000 USD
CY2020Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
1403000000 USD
CY2020Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
6000000 USD
CY2020Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
88000000 USD
CY2020Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
1000000 USD
CY2019Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
278000000 USD
CY2019Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
0 USD
CY2019Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
642000000 USD
CY2019Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
11000000 USD
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities Next Rolling Twelve Months Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis
4354000000 USD
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities Next Rolling Twelve Months Fair Value
AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue
4362000000 USD
CY2020Q1 us-gaap Debt Securities Available For Sale Maturity Rolling Within One Year Weighted Average Yield
DebtSecuritiesAvailableForSaleMaturityRollingWithinOneYearWeightedAverageYield
0.016
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities Rolling Year Two Through Five Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis
762000000 USD
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities Rolling Year Two Through Five Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue
758000000 USD
CY2020Q1 us-gaap Debt Securities Available For Sale Maturity Rolling After One Through Five Years Weighted Average Yield
DebtSecuritiesAvailableForSaleMaturityRollingAfterOneThroughFiveYearsWeightedAverageYield
0.013
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities Rolling Year Six Through Ten Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis
133000000 USD
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities Rolling Year Six Through Ten Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue
138000000 USD
CY2020Q1 us-gaap Debt Securities Available For Sale Maturity Rolling After Five Through Ten Years Weighted Average Yield
DebtSecuritiesAvailableForSaleMaturityRollingAfterFiveThroughTenYearsWeightedAverageYield
0.032
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities Rolling After Year Ten Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis
876000000 USD
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities Rolling After Year Ten Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue
888000000 USD
CY2020Q1 us-gaap Debt Securities Available For Sale Maturity Rolling After10 Years Weighted Average Yield
DebtSecuritiesAvailableForSaleMaturityRollingAfter10YearsWeightedAverageYield
0.029
CY2020Q1 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
82469000000 USD
CY2019Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
87215000000 USD
CY2020Q1 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
151000000 USD
CY2019Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
140000000 USD
CY2019Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
5602000000 USD
CY2020Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
8623000000 USD
CY2020Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
1677000000 USD
CY2020Q1 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
1425000000 USD
CY2020Q1 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
300000000 USD
CY2020Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
9175000000 USD
CY2018Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
6427000000 USD
CY2019Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
859000000 USD
CY2019Q1 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
1625000000 USD
CY2019Q1 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
281000000 USD
CY2019Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
5942000000 USD
CY2020Q1 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
3500000000 USD
CY2020Q1 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
1730000000 USD
CY2020Q1 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
4000000 USD
CY2020Q1 syf Percentageof Total Loan Receivables3089 Days Past Due
PercentageofTotalLoanReceivables3089DaysPastDue
0.021
CY2020Q1 syf Percentageof Total Loan Receivables Equalto Greaterthan90 Days Past Due
PercentageofTotalLoanReceivablesEqualtoGreaterthan90DaysPastDue
0.021
CY2020Q1 syf Percentageof Total Loan Receivables Past Due
PercentageofTotalLoanReceivablesPastDue
0.042
CY2020Q1 syf Percentageof Total Loan Receivables90 Days Past Dueand Still Accruing
PercentageofTotalLoanReceivables90DaysPastDueandStillAccruing
0.021
CY2020Q1 syf Percentageof Total Loan Receivables Nonaccrual Status
PercentageofTotalLoanReceivablesNonaccrualStatus
0
CY2019Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
3874000000 USD
CY2019Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
1868000000 USD
CY2019Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
7000000 USD
CY2019Q4 syf Percentageof Total Loan Receivables3089 Days Past Due
PercentageofTotalLoanReceivables3089DaysPastDue
0.023
CY2019Q4 syf Percentageof Total Loan Receivables Equalto Greaterthan90 Days Past Due
PercentageofTotalLoanReceivablesEqualtoGreaterthan90DaysPastDue
0.022
CY2019Q4 syf Percentageof Total Loan Receivables Past Due
PercentageofTotalLoanReceivablesPastDue
0.044
CY2019Q4 syf Percentageof Total Loan Receivables90 Days Past Dueand Still Accruing
PercentageofTotalLoanReceivables90DaysPastDueandStillAccruing
0.021
CY2019Q4 syf Percentageof Total Loan Receivables Nonaccrual Status
PercentageofTotalLoanReceivablesNonaccrualStatus
0
CY2020Q1 syf Loansand Leases Receivable Maximum Maturity Periodfor Loansin Permanent Modification Program
LoansandLeasesReceivableMaximumMaturityPeriodforLoansinPermanentModificationProgram
P60M
CY2020Q1 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
226000000 USD
CY2019Q1 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
216000000 USD
CY2020Q1 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
1154000000 USD
CY2020Q1 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
545000000 USD
CY2020Q1 syf Impaired Financing Receivable Netof Related Allowance
ImpairedFinancingReceivableNetofRelatedAllowance
609000000 USD
CY2020Q1 us-gaap Impaired Financing Receivable With Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
1024000000 USD
CY2019Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
1150000000 USD
CY2019Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
552000000 USD
CY2019Q4 syf Impaired Financing Receivable Netof Related Allowance
ImpairedFinancingReceivableNetofRelatedAllowance
598000000 USD
CY2019Q4 us-gaap Impaired Financing Receivable With Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
1023000000 USD
CY2020Q1 us-gaap Impaired Financing Receivable With Related Allowance Interest Income Accrual Method
ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
12000000 USD
CY2020Q1 syf Impaired Financing Receivablewith Related Allowance Interest Income Under Original Terms
ImpairedFinancingReceivablewithRelatedAllowanceInterestIncomeUnderOriginalTerms
72000000 USD
CY2020Q1 us-gaap Impaired Financing Receivable With Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
1152000000 USD
CY2019Q1 us-gaap Impaired Financing Receivable With Related Allowance Interest Income Accrual Method
ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
11000000 USD
CY2019Q1 syf Impaired Financing Receivablewith Related Allowance Interest Income Under Original Terms
ImpairedFinancingReceivablewithRelatedAllowanceInterestIncomeUnderOriginalTerms
64000000 USD
CY2019Q1 us-gaap Impaired Financing Receivable With Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
1136000000 USD
CY2020Q1 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
20420 contract
CY2020Q1 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
49000000 USD
CY2019Q1 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
19028 contract
CY2019Q1 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
44000000 USD
CY2020Q1 syf Financing Receivable Credit Quality Indicators Percentageof Loan Receivable With No Fico Score
FinancingReceivableCreditQualityIndicatorsPercentageofLoanReceivableWithNoFICOScore
0.003
CY2019Q4 syf Financing Receivable Credit Quality Indicators Percentageof Loan Receivable With No Fico Score
FinancingReceivableCreditQualityIndicatorsPercentageofLoanReceivableWithNoFICOScore
0.003
CY2019Q1 syf Financing Receivable Credit Quality Indicators Percentageof Loan Receivable With No Fico Score
FinancingReceivableCreditQualityIndicatorsPercentageofLoanReceivableWithNoFICOScore
0.006
CY2020Q1 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
4340000000 USD
CY2019Q1 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
4687000000 USD
CY2020Q1 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
2630000000 USD
CY2020Q1 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
1422000000 USD
CY2020Q1 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1208000000 USD
CY2019Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
2610000000 USD
CY2019Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
1345000000 USD
CY2019Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1265000000 USD
CY2020Q1 us-gaap Finitelived Intangible Assets Acquired1
FinitelivedIntangibleAssetsAcquired1
33000000 USD
CY2020Q1 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
64302000000 USD
CY2020Q1 syf Average Rate Domestic Deposits
AverageRateDomesticDeposits
0.022
CY2019Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
64877000000 USD
CY2019Q4 syf Average Rate Domestic Deposits
AverageRateDomesticDeposits
0.024
CY2020Q1 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
313000000 USD
CY2019Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
277000000 USD
CY2020Q1 us-gaap Deposits
Deposits
64615000000 USD
CY2019Q4 us-gaap Deposits
Deposits
65154000000 USD
CY2020Q1 us-gaap Time Deposits At Or Above Fdic Insurance Limit
TimeDepositsAtOrAboveFDICInsuranceLimit
8200000000 USD
CY2019Q4 us-gaap Time Deposits At Or Above Fdic Insurance Limit
TimeDepositsAtOrAboveFDICInsuranceLimit
8500000000 USD
CY2020Q1 us-gaap Time Deposit Maturities Remainder Of Fiscal Year
TimeDepositMaturitiesRemainderOfFiscalYear
18439000000 USD
CY2020Q1 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
13649000000 USD
CY2020Q1 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
3947000000 USD
CY2020Q1 us-gaap Time Deposit Maturities Year Four
TimeDepositMaturitiesYearFour
1484000000 USD
CY2020Q1 us-gaap Time Deposit Maturities Year Five
TimeDepositMaturitiesYearFive
2292000000 USD
CY2020Q1 us-gaap Time Deposit Maturities After Year Five
TimeDepositMaturitiesAfterYearFive
518000000 USD
CY2020Q1 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
18500000000 USD
CY2020Q1 us-gaap Long Term Debt
LongTermDebt
17248000000 USD
CY2019Q4 us-gaap Long Term Debt
LongTermDebt
19866000000 USD
CY2020Q1 us-gaap Long Term Debt Maturities Repayments Of Principal Remainder Of Fiscal Year
LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear
1185000000 USD
CY2020Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Two
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo
5359000000 USD
CY2020Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Three
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree
4550000000 USD
CY2020Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Four
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour
1207000000 USD
CY2020Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive
1850000000 USD
CY2020Q1 us-gaap Long Term Debt Maturities Repayments Of Principal After Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive
3150000000 USD
CY2020Q1 us-gaap Cash And Cash Equivalents Fair Value Disclosure
CashAndCashEquivalentsFairValueDisclosure
13704000000 USD
CY2020Q1 us-gaap Other Assets Fair Value Disclosure
OtherAssetsFairValueDisclosure
80000000 USD
CY2020Q1 us-gaap Loans Receivable Fair Value Disclosure
LoansReceivableFairValueDisclosure
85218000000 USD
CY2020Q1 us-gaap Loans Held For Sale Fair Value Disclosure
LoansHeldForSaleFairValueDisclosure
5000000 USD
CY2020Q1 us-gaap Deposits Fair Value Disclosure
DepositsFairValueDisclosure
65067000000 USD
CY2019Q4 us-gaap Cash And Cash Equivalents Fair Value Disclosure
CashAndCashEquivalentsFairValueDisclosure
12147000000 USD
CY2019Q4 us-gaap Other Assets Fair Value Disclosure
OtherAssetsFairValueDisclosure
500000000 USD
CY2019Q4 us-gaap Loans Receivable Fair Value Disclosure
LoansReceivableFairValueDisclosure
90941000000 USD
CY2019Q4 us-gaap Loans Held For Sale Fair Value Disclosure
LoansHeldForSaleFairValueDisclosure
726000000 USD
CY2019Q4 us-gaap Deposits Fair Value Disclosure
DepositsFairValueDisclosure
65544000000 USD
CY2020Q1 us-gaap Net Income Loss
NetIncomeLoss
286000000 USD
CY2019Q1 us-gaap Net Income Loss
NetIncomeLoss
1107000000 USD
CY2020Q1 us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
11000000 USD
CY2019Q1 us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
0 USD
CY2020Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
275000000 USD
CY2019Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
1107000000 USD
CY2020Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
604900000 shares
CY2019Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
706300000 shares
CY2020Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
2500000 shares
CY2019Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
2600000 shares
CY2020Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
607400000 shares
CY2019Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
708900000 shares
CY2020Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.45
CY2019Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.57
CY2020Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.45
CY2019Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.56
CY2020Q1 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
5000000 shares
CY2020Q1 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
239000000 USD
CY2019Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
255000000 USD
CY2020Q1 us-gaap Unrecognized Tax Benefits That Would Impact Effective Tax Rate
UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
184000000 USD
CY2019Q4 us-gaap Unrecognized Tax Benefits That Would Impact Effective Tax Rate
UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
172000000 USD
CY2020Q1 us-gaap Decrease In Unrecognized Tax Benefits Is Reasonably Possible
DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible
77000000 USD
CY2020Q1 syf Decreasein Unrecognized Tax Benefits That Would Impact Effective Tax Rate
DecreaseinUnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
56000000 USD

Files In Submission

Name View Source Status
0001601712-20-000138-index-headers.html Edgar Link pending
0001601712-20-000138-index.html Edgar Link pending
0001601712-20-000138.txt Edgar Link pending
0001601712-20-000138-xbrl.zip Edgar Link pending
ex-31a3312020.htm Edgar Link pending
ex-31b3312020.htm Edgar Link pending
ex-323312020.htm Edgar Link pending
FilingSummary.xml Edgar Link unprocessable
Financial_Report.xlsx Edgar Link pending
MetaLinks.json Edgar Link pending
platformpiesa70.jpg 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
R31.htm Edgar Link pending
R32.htm Edgar Link pending
R33.htm Edgar Link pending
R34.htm Edgar Link pending
R35.htm Edgar Link pending
R36.htm Edgar Link pending
R37.htm Edgar Link pending
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
R7.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-20200331.xsd Edgar Link pending
syf-20200331_cal.xml Edgar Link unprocessable
syf-20200331_def.xml Edgar Link unprocessable
syf-20200331_lab.xml Edgar Link unprocessable
syf-20200331_pre.xml Edgar Link unprocessable
synchrony331202010q.htm Edgar Link pending
synchrony331202010q_htm.xml Edgar Link completed
synchronylogorgbpositive.jpg Edgar Link pending