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Exhibit 12.1
SYNCHRONY FINANCIAL | |||||||||||||||||||||||||||
Ratio of Earnings to Fixed Charges | |||||||||||||||||||||||||||
Three months ended March 31, | Year ended December 31, | ||||||||||||||||||||||||||
2018 | 2017 | 2016 | 2015 | 2014 | 2013 | ||||||||||||||||||||||
Earnings (a) | $ | 847 | $ | 3,324 | $ | 3,570 | $ | 3,531 | $ | 3,386 | $ | 3,142 | |||||||||||||||
Plus: | |||||||||||||||||||||||||||
Interest included in expense (b) | 392 | 1,348 | 1,184 | 1,063 | 877 | 703 | |||||||||||||||||||||
Amortization of debt expense and discount or premium on indebtedness | 10 | 43 | 64 | 72 | 45 | 39 | |||||||||||||||||||||
One third of rental expense (c) | 6 | 25 | 25 | 28 | 21 | 17 | |||||||||||||||||||||
Adjusted "earnings" | $ | 1,255 | $ | 4,740 | $ | 4,843 | $ | 4,694 | $ | 4,329 | $ | 3,901 | |||||||||||||||
Fixed Charges: | |||||||||||||||||||||||||||
Interest included in expense (b) | $ | 392 | $ | 1,348 | $ | 1,184 | $ | 1,063 | $ | 877 | $ | 703 | |||||||||||||||
Amortization of debt expense and discount or premium on indebtedness | 10 | 43 | 64 | 72 | 45 | 39 | |||||||||||||||||||||
One third of rental expense (c) | 6 | 25 | 25 | 28 | 21 | 17 | |||||||||||||||||||||
Total fixed charges | $ | 408 | $ | 1,416 | $ | 1,273 | $ | 1,163 | $ | 943 | $ | 759 | |||||||||||||||
Ratio of earnings to fixed charges | 3.1 | 3.3 | 3.8 | 4.0 | 4.6 | 5.1 | |||||||||||||||||||||
(a) | Earnings before income taxes | ||||||||||||||||||||||||||
(b) | Includes interest on tax deficiencies | ||||||||||||||||||||||||||
(c) | Considered to be representative of interest factor in rental expense | ||||||||||||||||||||||||||