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

SYF · Sep 30, 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

Filing0001601712-23-000274Bank
Sequential deposit growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.deposits

3.04% · CORE · NOT_ENOUGH_HISTORY

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

-10.67% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

139.61% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$15.6B · CORE · NOT_ENOUGH_HISTORY

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
1.80%
Current
3.04%
Delta
1.24%
Earnings Growth Increased
Previous
-29.23%
Current
-10.67%
Delta
18.56%
Funding Cost Growth Decreased
Previous
231.25%
Current
139.61%
Delta
-91.64%
Liquidity Increased
Previous
$12.7B
Current
$15.6B
Delta
$2.9B
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_INCREASED →Transitioned To · SYF FUNDING_COST_GROWTH_DECREASED →Transitioned To · SYF LIQUIDITY_INCREASED →

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.