---
title: "Synchrony Financial (SYF.US) — 財務報表"
type: "Symbol"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/quote/SYF.US/norm.md"
symbol: "SYF.US"
name: "Synchrony Financial"
parent: "https://longbridge.com/zh-HK/quote/SYF.US.md"
datetime: "2026-05-20T12:41:03.771Z"
locales:
  - [en](https://longbridge.com/en/quote/SYF.US/norm.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/SYF.US/norm.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/SYF.US/norm.md)
---

# Synchrony Financial (SYF.US) — 財務報表

## 損益表 (USD)

| 指標 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| 每股收益 | 2.27 | 2.04 | 2.86 | 2.50 | 1.89 |
| ROE | 20.36% | 18.61% | 26.78% | 24.34% | 19.17% |
| 營業收入 | 2.36B | 2.35B | 2.68B | 2.50B | 2.23B |
| 凈利潤 | 784.00M | 730.00M | 1.06B | 946.00M | 736.00M |
| 凈息差 | 15.50% | - | 15.62% | 14.78% | 14.74% |
| 利息與非息 | 4.63B | 4.76B | 4.72B | 4.52B | 4.46B |
| 貸款損失準備 | 3.70B | 3.79B | 3.82B | 3.65B | 3.72B |

## 資產負債表 (USD)

| 指標 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| 資產與負債 | 121.50B | 119.09B | 116.98B | 120.50B | 122.03B |
| 權益乘數 | 7.37 | 7.10 | 6.86 | 7.11 | 7.36 |
| 每股凈資產 | 45.27 | 44.74 | 43.99 | 42.29 | 40.36 |
| 資產周轉率 | - | - | - | - | - |
| 存款與貸款 | 82.89B | 81.14B | 79.89B | 82.26B | 83.44B |
| 不良與核銷 | 2.28B | 2.25B | 2.13B | 2.06B | 2.29B |
| 資本充足率 | 12.70% | 12.60% | 13.70% | 13.60% | 13.20% |
| 撥備覆蓋率 | 456.57% | 464.50% | 487.45% | 513.06% | 473.87% |

## 現金流量表 (USD)

| 指標 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| 經營現金流 | 2.18B | 2.45B | 2.64B | 2.56B | 2.20B |
| 投資現金流 | 1.52B | -4.64B | -1.57B | -2.24B | 3.60B |
| 融資現金流 | 1.88B | 918.00M | -4.96B | -2.82B | 2.12B |
| 自由現金流 | - | - | - | - | - |

## 分紅方案

**股息率**: 1.73

### 分紅歷史

| 描述 | 登記日 | 除息日 | 付息日 |
|-------------|-------------|---------|--------------|
| 1股派息 
0.3美元 | 2026-05-05 | 2026-05-05 | 2026-05-15 |
| 1股派息 
0.3美元 | 2026-02-06 | 2026-02-06 | 2026-02-17 |
| 1股派息 
0.3美元 | 2025-11-05 | 2025-11-05 | 2025-11-17 |