v3.26.3
Regulatory and Capital Adequacy (Capital Amounts and Ratios) (Details) - Basel III
$ in Millions
Sep. 30, 2026
USD ($)
Dec. 31, 2025
USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Capital conservation buffer 0.025 0.025
Total risk-based capital    
Actual $ 17,476 $ 17,691
Actual (percent) [1] 0.165 0.167
Minimum for capital adequacy purposes (percent) [2] 0.080 0.080
Tier 1 risk-based capital    
Banking Regulation, Tier One Risk-Based Capital, Actual $ 15,300 $ 15,512
Actual (percent) [1] 0.145 0.146
Minimum for capital adequacy purposes (percent) [2] 0.060 0.060
Tier 1 leverage    
Banking Regulation, Tier One Leverage Capital, Actual $ 15,300 $ 15,512
Actual (percent) [1] 0.127 0.133
Minimum for capital adequacy purposes (percent) [2] 0.040 0.040
Common equity Tier 1 capital    
Common equity, actual $ 13,584 $ 14,290
Common equity, actual (percent) [1] 0.129 0.135
Minimum for capital adequacy purposes [2] 0.045 0.045
Synchrony Bank    
Total risk-based capital    
Actual $ 16,499 $ 16,162
Actual (percent) [1] 0.164 0.161
Minimum for capital adequacy purposes (percent) [2] 0.080 0.080
Minimum to be well-capitalized under prompt corrective action provisions (percent) 0.100 0.100
Tier 1 risk-based capital    
Banking Regulation, Tier One Risk-Based Capital, Actual $ 14,380 $ 14,045
Actual (percent) [1] 0.143 0.140
Minimum for capital adequacy purposes (percent) [2] 0.060 0.060
Minimum to be well-capitalized under prompt corrective action provisions (percent) 0.080 0.080
Tier 1 leverage    
Banking Regulation, Tier One Leverage Capital, Actual $ 14,380 $ 14,045
Actual (percent) [1] 0.125 0.127
Minimum for capital adequacy purposes (percent) [2] 0.040 0.040
Minimum to be well-capitalized under prompt corrective action provisions (percent) 0.050 0.050
Common equity Tier 1 capital    
Common equity, actual $ 14,380 $ 14,045
Common equity, actual (percent) [1] 0.143 0.140
Minimum for capital adequacy purposes [2] 0.045 0.045
Minimum to be well-capitalized under prompt corrective action provisions 0.065 0.065
[1] Capital ratios are calculated based on the Basel III Standardized Approach rules.
[2] 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.