v3.26.3
Regulatory and Capital Adequacy
 9 Months Ended
Sep. 30, 2026
Banking Regulation, Risk-Based Information [Abstract]  
Regulatory and Capital Adequacy REGULATORY AND CAPITAL ADEQUACY
At September 30, 2026 and December 31, 2025, Synchrony Financial met all minimum capital requirements and the applicable requirements to be deemed well-capitalized pursuant to Federal Reserve Board regulations. At September 30, 2026 and December 31, 2025, the Bank also met all applicable requirements to be deemed well-capitalized pursuant to OCC regulations and for purposes of the Federal Deposit Insurance Act. There are no conditions or events subsequent to September 30, 2026 that management believes have changed the Company's or the Bank’s capital category.
The actual capital amounts, ratios and the applicable required minimums of the Company and the Bank are as follows:
Synchrony Financial
At September 30, 2026 ($ in millions)ActualMinimum for capital
adequacy purposes
Amount
Ratio(a)
Ratio(b)
Total risk-based capital$17,476 16.5 %8.0 %
Tier 1 risk-based capital$15,300 14.5 %6.0 %
Tier 1 leverage$15,300 12.7 %4.0 %
Common equity Tier 1 Capital$13,584 12.9 %4.5 %
At December 31, 2025 ($ in millions)
Actual(c)
Minimum for capital
adequacy purposes
Amount
Ratio(a)
Ratio(b)
Total risk-based capital$17,691 16.7 %8.0 %
Tier 1 risk-based capital$15,512 14.6 %6.0 %
Tier 1 leverage$15,512 13.3 %4.0 %
Common equity Tier 1 Capital$14,290 13.5 %4.5 %
Synchrony Bank
At September 30, 2026 ($ in millions)ActualMinimum for capital
adequacy purposes		Minimum to be well-capitalized under prompt corrective action provisions
Amount
Ratio(a)
Ratio(b)
Ratio
Total risk-based capital$16,499 16.4 %8.0 %10.0 %
Tier 1 risk-based capital$14,380 14.3 %6.0 %8.0 %
Tier 1 leverage$14,380 12.5 %4.0 %5.0 %
Common equity Tier 1 capital
$14,380 14.3 %4.5 %6.5 %
At December 31, 2025 ($ in millions)
Actual(c)
Minimum for capital
adequacy purposes		Minimum to be well-capitalized under prompt corrective action provisions
Amount
Ratio(a)
Ratio(b)
Ratio
Total risk-based capital$16,162 16.1 %8.0 %10.0 %
Tier 1 risk-based capital$14,045 14.0 %6.0 %8.0 %
Tier 1 leverage$14,045 12.7 %4.0 %5.0 %
Common equity Tier 1 capital
$14,045 14.0 %4.5 %6.5 %
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(a)Capital ratios are calculated based on the Basel III Standardized Approach rules.
(b)At September 30, 2026 and December 31, 2025, Synchrony Financial and the Bank also must maintain a stress capital buffer or capital conservation buffer, as applicable, in excess of minimum risk-based capital ratios, which exclude the Tier 1 leverage ratio, by at least 2.5 percentage points to avoid limits on capital distributions and certain discretionary bonus payments to executive officers and similar employees.
(c)Amounts and ratios at December 31, 2025 have been recast to reflect the change in presentation of internal-use capitalized software on our Condensed Consolidated Statements of Financial Position. See Note 2. Basis of Presentation and Summary of Significant Accounting Policies for additional information.
The Bank may pay dividends on its stock, with consent or non-objection from the OCC and the Federal Reserve Board, among other things, if its regulatory capital would not thereby be reduced below the applicable regulatory capital requirements.
For additional information on the minimum capital requirements for both Synchrony Financial and the Bank, see "Regulation—Regulation Relating to Our Business—Capital for both Savings and Loan Holding Company Regulation and Savings Association Regulation," as applicable, in addition to Note 11. Regulatory and Capital Adequacy, in our 2025 Form 10-K.