GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

SYF · Dec 31, 2023

Synchrony Financial. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0001601712-24-000047Bank
Sequential deposit growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.deposits

3.95% · CORE · NOT_ENOUGH_HISTORY

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

-25.80% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

143.98% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalents75thOwn-history percentile · N=8
Evidence method

Level · gp.fundamentals.cash

$14.3B · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History18 statesSelf-history eligible
Mar 31, 20220/3 normalizedLevel 3Jun 30, 20220/3 normalizedLevel 3Sep 30, 20220/3 normalizedLevel 3Dec 31, 20220/5 normalizedLevel 3Mar 31, 20230/4 normalizedLevel 3Jun 30, 20230/4 normalizedLevel 3Sep 30, 20230/4 normalizedLevel 3Dec 31, 20231/4 normalizedLevel 3Mar 31, 20242/4 normalizedLevel 3Jun 30, 20242/3 normalizedLevel 3Sep 30, 20242/3 normalizedLevel 3Dec 31, 20243/3 normalizedLevel 3Mar 31, 20253/3 normalizedLevel 3Jun 30, 20253/3 normalizedLevel 3Sep 30, 20253/3 normalizedLevel 3Dec 31, 20253/3 normalizedLevel 3Mar 31, 20263/3 normalizedLevel 3Jun 30, 20263/3 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Increased
Previous
3.04%
Current
3.95%
Delta
0.92%
Earnings Growth Decreased
Previous
-10.67%
Current
-25.80%
Delta
-15.13%
Funding Cost Growth Increased
Previous
139.61%
Current
143.98%
Delta
4.37%
Liquidity Decreased
Previous
$15.6B
Current
$14.3B
Delta
-$1.4B
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Transitioned To · SYF Fundamental State →Transitioned To · SYF Fundamental State →Transitioned To · SYF DEPOSIT_GROWTH_INCREASED →Transitioned To · SYF EARNINGS_GROWTH_DECREASED →Transitioned To · SYF FUNDING_COST_GROWTH_INCREASED →Transitioned To · SYF LIQUIDITY_DECREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.