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UNAUDITED CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Millions
Jun. 30, 2026
Dec. 31, 2025
ASSETS    
Cash and cash equivalents $ 3,683 $ 3,604
Credit card and other loans    
Total credit card and other loans (includes loans available to settle obligations of consolidated variable interest entities: June 30, 2026, $10,034; December 31, 2025, $10,708) 18,477 18,805
Allowance for credit losses (2,075) (2,106)
Credit card and other loans, net 16,402 16,699
Investments (includes investment securities carried at fair value: June 30, 2026, $218; December 31, 2025, $221) 288 284
Property and equipment, net 104 117
Goodwill and intangible assets, net 701 716
Other assets 1,274 1,243
Total assets 22,452 22,663
LIABILITIES AND STOCKHOLDERS’ EQUITY    
Deposits 14,732 13,916
Debt issued by consolidated variable interest entities 2,447 3,422
Long-term and other debt 838 886
Other liabilities 1,070 1,112
Total liabilities 19,087 19,336
Commitments and contingencies (Note 15)
Stockholders’ equity    
Preferred stock, $0.01 par value; authorized, 210.0 thousand shares; issued and outstanding: 210.0 thousand shares as of June 30, 2026 and 75.0 thousand shares as of December 31, 2025 0 0
Common stock, $0.01 par value; authorized, 200.0 million shares; issued and outstanding: 38.7 million shares as of June 30, 2026 and 44.1 million shares as of December 31, 2025. 0 0
Additional paid-in capital 1,603 1,868
Retained earnings 1,779 1,475
Accumulated other comprehensive loss (17) (16)
Total stockholders’ equity 3,365 3,327
Total liabilities and stockholders’ equity $ 22,452 $ 22,663