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Synchrony Financial SYF Products & Services — Other income

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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$25.6B-0.9%
Enterprise value$21.47B-4.1%
P/E7.1×-0.8×

Returns & leverage

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Return on equity21.8%+3.2pp
Debt / equity0.0×

Where this comes from

Reported directly by Synchrony Financial in its filing.

Tagged under the XBRL concept us-gaap:NoninterestIncomeOtherOperatingIncome.

The source filing: Synchrony Financial’s 10-K, filed February 6, 2026.

Filed
Feb 6, 2026, 4:18 PM EST
Fiscal year
FY2025
Accession
0001601712-26-000006

Servicing and other customer-related fees, which include paper statement fees charged to borrowers, totaled $290 million, $180 million, and $36 million for the years ended December 31, 2025, 2024 and 2023, respectively, and are recognized in Other income in our Consolidated Statements of Earnings when the related service is provided or transaction occurs.

Item 8. Financial Statements and Supplementary Data103 -

FAQ

What is Synchrony Financial's products & services — other income?
Synchrony Financial (SYF) reported products & services — other income of $72.5M in Q4 2025.
How has Synchrony Financial's products & services — other income changed year-over-year?
Synchrony Financial's products & services — other income increased by 61.1% year-over-year, from $45M to $72.5M.
What is the long-term trend for Synchrony Financial's products & services — other income?
Over 2 years (2023 to 2025), Synchrony Financial's products & services — other income has grown at a 183.8% compound annual growth rate (CAGR), from $36M to $290M.
What does products & services — other income mean?
This metric represents miscellaneous revenue streams generated within the servicing and customer-related fee segment that are not classified under primary interest income or core service fees. It typically includes ancillary charges, administrative service fees, or non-recurring income items associated with the management of credit card portfolios and customer accounts. This income reflects the company's ability to monetize secondary service interactions and operational efficiencies beyond standard lending activities.

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