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Synchrony Financial SYF Noninterest-bearing deposits

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Other financials

Income statement

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Net income$805.0M+6.3%
EPS (diluted)$2.27+20.1%

Balance sheet

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Cash & equivalents$20.6B-4.9%
Total debt$16.4B-3.4%
Total equity$16.5B-0.6%
Total assets$121.50B-0.4%

Cash flow

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Operating cash flow$2.2B-0.8%

Valuation

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Market cap$24.66B-4.3%
Enterprise value$20.53B-8.0%
P/E6.9×-1.0×

Returns & leverage

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Return on equity21.8%+3.2pp
Debt / equity1×0.0×

Where this comes from

Reported directly by Synchrony Financial in its filing.

Tagged under the XBRL concept us-gaap:NoninterestBearingDepositLiabilities.

The source filing: Synchrony Financial’s 10-Q, filed April 23, 2026.

Filed
Apr 23, 2026, 4:14 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001601712-26-000016
($ in millions)At March 31, 2026At December 31, 2025
Liabilities and Equity
Deposits: (Note 7)
Interest-bearing deposit accounts$82,478$80,748
Non-interest-bearing deposit accounts416396
Total deposits82,89481,144
Borrowings: (Notes 5 and 8)
Borrowings of consolidated securitization entities8,9158,415
Senior and subordinated unsecured notes7,5136,767

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Synchrony Financial's noninterest-bearing deposits?
Synchrony Financial (SYF) reported noninterest-bearing deposits of $416M in Q1 2026.
How has Synchrony Financial's noninterest-bearing deposits changed year-over-year?
Synchrony Financial's noninterest-bearing deposits increased by 2.7% year-over-year, from $405M to $416M.
What is the long-term trend for Synchrony Financial's noninterest-bearing deposits?
Over 5 years (2020 to 2025), Synchrony Financial's noninterest-bearing deposits has grown at a 4.8% compound annual growth rate (CAGR), from $313M to $396M.
What does noninterest-bearing deposits mean?
These are demand deposit accounts that do not pay interest to the account holder, typically used for transactional purposes. They are the most cost-effective source of funding for a financial institution, as they carry no interest expense. A high proportion of these deposits significantly enhances the bank's net interest margin.

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