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UNAUDITED CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Millions
Jun. 30, 2025
Dec. 31, 2024
ASSETS    
Cash and cash equivalents $ 3,799 $ 3,679
Credit card and other loans    
Total credit card and other loans (includes loans available to settle obligations of consolidated variable interest entities: June 30, 2025, $11,179; December 31, 2024, $12,408) 17,656 18,896
Allowance for credit losses (2,098) (2,241)
Credit card and other loans, net 15,558 16,655
Investments (includes investment securities carried at fair value: June 30, 2025, $224; December 31, 2024, $217) 277 266
Property and equipment, net 127 142
Goodwill and intangible assets, net 731 746
Other assets 1,329 1,403
Total assets 21,821 22,891
LIABILITIES AND STOCKHOLDERS’ EQUITY    
Deposits 13,340 13,082
Debt issued by consolidated variable interest entities 3,089 4,558
Long-term and other debt 1,138 999
Other liabilities 1,088 1,201
Total liabilities 18,655 19,840
Commitments and contingencies (Note 12)
Stockholders’ equity    
Common stock, $0.01 par value; authorized, 200.0 million shares; issued, 46.6 million shares as of June 30, 2025 and 49.1 million shares as of December 31, 2024. 1 1
Additional paid-in capital 1,929 2,073
Retained earnings 1,255 999
Accumulated other comprehensive loss (19) (22)
Total stockholders’ equity 3,166 3,051
Total liabilities and stockholders’ equity $ 21,821 $ 22,891