Exhibit 99.2
SYNCHRONY FINANCIAL
PLATFORM RESULTS
(unaudited, $ in millions)
Quarter Ended
Mar 31,
2021
Dec 31,
2020
Sep 30,
2020
Jun 30,
2020
Mar 31,
2020
1Q'21 vs. 1Q'20
HOME & AUTO
Purchase volume(1)
$9,915 $10,327 $10,653 $9,729 $9,104 $811 8.9 %
Period-end loan receivables$25,456 $26,494 $26,202 $25,875 $26,673 $(1,217)(4.6)%
Average loan receivables, including held for sale$25,785 $26,214 $25,908 $25,792 $26,999 $(1,214)(4.5)%
Average active accounts (in thousands)(3)
17,808 18,119 18,127 18,213 18,707 (899)(4.8)%
Interest and fees on loans$1,059 $1,147 $1,114 $1,079 $1,171 $(112)(9.6)%
Other income$15 $12 $14 $20 $12 $25.0 %
DIGITAL
Purchase volume(1)
$9,340 $11,005 $9,038 $8,439 $7,394 $1,946 26.3 %
Period-end loan receivables$18,907 $20,427 $18,922 $18,945 $19,510 $(603)(3.1)%
Average loan receivables, including held for sale$19,437 $19,392 $18,807 $19,062 $19,755 $(318)(1.6)%
Average active accounts (in thousands)(3)
17,318 16,898 16,440 16,414 16,490 828 5.0 %
Interest and fees on loans$903 $976 $915 $913 $997 $(94)(9.4)%
Other income$(12)$(26)$(16)$(8)$(4)$(8)200.0 %
DIVERSIFIED & VALUE
Purchase volume(1)
$9,220 $11,267 $9,634 $7,683 $9,401 $(181)(1.9)%
Period-end loan receivables$14,217 $15,761 $14,825 $15,177 $16,769 $(2,552)(15.2)%
Average loan receivables, including held for sale$14,574 $15,024 $14,919 $15,425 $17,545 $(2,971)(16.9)%
Average active accounts (in thousands)(3)
17,457 17,324 16,307 16,626 21,098 (3,641)(17.3)%
Interest and fees on loans$789 $822 $809 $849 $1,048 $(259)(24.7)%
Other income$$20 $38 $17 $15 $(10)(66.7)%
HEALTH & WELLNESS
Purchase volume(1)
$2,648 $2,676 $2,738 $1,952 $2,659 $(11)(0.4)%
Period-end loan receivables$9,317 $9,580 $9,368 $9,222 $10,101 $(784)(7.8)%
Average loan receivables, including held for sale$9,442 $9,476 $9,245 $9,387 $10,260 $(818)(8.0)%
Average active accounts (in thousands)(3)
5,706 5,724 5,708 5,966 6,379 (673)(10.6)%
Interest and fees on loans$558 $589 $552 $535 $597 $(39)(6.5)%
Other income$40 $27 $32 $23 $25 $15 60.0 %
LIFESTYLE
Purchase volume(1)
$1,154 $1,383 $1,267 $1,286 $997 $157 15.7 %
Period-end loan receivables$4,988 $5,098 $4,842 $4,718 $4,575 $413 9.0 %
Average loan receivables, including held for sale$5,003 $4,920 $4,771 $4,551 $4,663 $340 7.3 %
Average active accounts (in thousands)(3)
2,573 2,536 2,404 2,462 2,810 (237)(8.4)%
Interest and fees on loans$181 $187 $180 $172 $195 $(14)(7.2)%
Other income$$$$$$— — %
CORP, OTHER(4)
Purchase volume(1)(2)
$2,472 $3,216 $2,683 $2,066 $2,487 $(15)(0.6)%
Period-end loan receivables$3,973 $4,507 $4,362 $4,376 $4,841 $(868)(17.9)%
Average loan receivables, including held for sale$4,117 $4,426 $4,355 $4,480 $5,206 $(1,089)(20.9)%
Average active accounts (in thousands)(2)(3)
5,418 5,660 5,284 5,155 6,594 (1,176)(17.8)%
Interest and fees on loans$242 $260 $251 $260 $332 $(90)(27.1)%
Other income$78 $43 $58 $39 $44 $34 77.3 %
TOTAL SYF
Purchase volume(1)(2)
$34,749 $39,874 $36,013 $31,155 $32,042 $2,707 8.4 %
Period-end loan receivables$76,858 $81,867 $78,521 $78,313 $82,469 $(5,611)(6.8)%
Average loan receivables, including held for sale$78,358 $79,452 $78,005 $78,697 $84,428 $(6,070)(7.2)%
Average active accounts (in thousands)(2)(3)
66,280 66,261 64,270 64,836 72,078 (5,798)(8.0)%
Interest and fees on loans$3,732 $3,981 $3,821 $3,808 $4,340 $(608)(14.0)%
Other income$131 $82 $131 $95 $97 $34 35.1 %
(1) Purchase volume, or net credit sales, represents the aggregate amount of charges incurred on credit cards or other credit product accounts less returns during the period.
(2) Includes activity and balances associated with loan receivables held for sale.
(3) Active accounts represent credit card or installment loan accounts on which there has been a purchase, payment or outstanding balance in the current month.
(4) Includes activity and balances associated with our program agreement with GAP Inc. which is scheduled to expire in April 2022.
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