Synchrony Financial【SYF】
時価総額
$257.7億
PER
小売提携向け消費者金融の米国最大手。プライベートラベル・共同ブランド・汎用クレジットカードと分割ローンを展開。2024年に購買ファイナンス1,822億ドル、貸出残高1,047億ドル、アクティブ口座7,150万件を計上。2024年3月にAlly Lendingを200億ドルで買収。米国中心に展開。
| 2014年 12月31日 | 2015年 12月31日 | 2016年 12月31日 | 2017年 12月31日 | 2018年 12月31日 | 2019年 12月31日 | 2020年 12月31日 | 2021年 12月31日 | 2022年 12月31日 | 2023年 12月31日 | 2024年 12月31日 | |
| Cash and equivalents | 11,828 | 12,325 | 9,321 | 11,602 | 9,396 | 12,147 | 11,524 | 8,337 | 10,294 | 14,259 | 14,711 |
| Debt securities | - | - | - | - | - | - | - | 5,283 | 4,879 | 3,799 | 3,079 |
| Total loan receivables | - | - | - | - | - | - | 56,472 | 60,211 | 72,638 | 81,554 | 83,382 |
| Less: Allowance for credit losses | - | - | - | - | - | - | 10,265 | 8,700 | 9,500 | 10,571 | 10,929 |
| Loan receivables, net | - | - | - | - | - | - | 71,602 | 72,052 | 82,943 | 92,417 | 93,792 |
| Goodwill | 949 | 949 | 949 | 991 | 1,024 | 1,078 | 1,078 | 1,105 | 1,105 | 1,018 | 1,274 |
| Intangible assets, net (Note 7) | 519 | 701 | 712 | 749 | 1,137 | 1,265 | 1,125 | 1,168 | 1,287 | 815 | 854 |
| Other assets | 2,431 | 2,225 | 2,122 | 1,605 | 2,461 | 2,087 | 3,145 | 3,442 | 4,056 | 4,915 | 5,753 |
| Assets held for sale (Note 3) | - | - | - | - | - | - | - | - | - | 256 | - |
| Total assets | 75,707 | 84,135 | 90,207 | 95,808 | 106,792 | 104,826 | 95,948 | 95,748 | 104,564 | 117,479 | 119,463 |
| Interest-bearing deposit accounts | 34,847 | 43,295 | 51,896 | 56,276 | 63,738 | 64,877 | 62,469 | 61,911 | 71,336 | 80,789 | 81,664 |
| Non-interest-bearing deposit accounts | 108 | 152 | 159 | 212 | 281 | 277 | 313 | 359 | 399 | 364 | 398 |
| Total deposits | 34,955 | 43,447 | 52,055 | 56,488 | 64,019 | 65,154 | 62,782 | 62,270 | 71,735 | 81,153 | 82,062 |
| Senior Notes | - | 6,590 | 7,759 | 8,302 | 9,557 | 9,454 | 7,965 | 7,219 | 7,964 | 8,715 | 7,620 |
| Total borrowings | - | - | 20,147 | 20,799 | 23,996 | 19,866 | 15,775 | 14,507 | 14,191 | 15,982 | 15,462 |
| Accrued expenses and other liabilities | 2,814 | 3,740 | 3,809 | 4,287 | 4,099 | 4,718 | 4,690 | 5,316 | 5,765 | 6,334 | 5,359 |
| Liabilities held for sale | - | - | - | - | - | - | - | - | - | 107 | - |
| Total liabilities | 65,229 | 71,531 | 76,011 | 81,574 | 92,114 | 89,738 | 83,247 | 82,093 | 91,691 | 103,576 | 102,883 |
| Preferred Stock, Value, Issued | - | - | - | - | - | 734 | 734 | 734 | 734 | 734 | 1,222 |
| Common Stock, Value, Issued | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Additional paid-in capital | 9,408 | 9,351 | 9,393 | 9,445 | 9,482 | 9,537 | 9,570 | 9,669 | 9,718 | 9,775 | 9,853 |
| Retained earnings | 1,079 | 3,293 | 5,330 | 6,809 | 8,986 | 12,117 | 10,621 | 14,245 | 16,716 | 18,662 | 21,635 |
| Debt securities | - | -10 | -18 | -19 | -32 | -1 | 25 | 4 | -93 | -33 | -23 |
| Currency translation adjustments | -8 | -19 | -20 | -17 | -25 | -24 | -22 | -26 | -38 | -38 | -44 |
| Employee benefit plans | - | - | - | - | - | - | - | 47 | -6 | -3 | -8 |
| Treasury stock, at cost; 445,723,607 and 427,108,909 shares at December 31, 2024 and 2023, respectively | - | - | 475 | 1,957 | 3,729 | 7,243 | 8,174 | 10,925 | 14,171 | 15,201 | 16,072 |
| Total equity | 10,478 | 12,604 | 14,196 | 14,234 | 14,678 | 15,088 | 12,701 | 13,655 | 12,873 | 13,903 | 16,580 |
| Total liabilities and equity | 75,707 | 84,135 | 90,207 | 95,808 | 106,792 | 104,826 | 95,948 | 95,748 | 104,564 | 117,479 | 119,463 |