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Financials · SYF

Synchrony Financial (SYF) financials

For the twelve months ended Sep 30, 2026, Synchrony Financial reported $19.31B of revenue and $3.33B of net income.

Revenue, TTM
$19.31B
Revenue growth, YoY
+2.6%
Net income, TTM
$3.33B
Net income growth, YoY
-6.8%
Net margin
17.3%
EPS, diluted, TTM
$9.57
EPS growth, YoY
+4.4%
Cash
$15.90B
Total debt
$17.02B
P/E
6.89
P/S
1.19
Market cap
$22.96B
Annual revenue$18.99B
FY2016FY2025
Annual net income$3.55B
FY2016FY2025

SYF revenue and earnings growth

SYF revenueQ3 2026$4.91B

Quarter YoY
+1.4%
QoQ
+3.6%
FY YoY
-2.8%
5Y CAGR
+5.1%
10Y CAGR
+4.3%

SYF revenue was $4.91B in fiscal Q3 2026 (ended Sep 30, 2026), up 1.4% from a year earlier and up 3.6% from the prior quarter. For the full fiscal 2025 it was $18.99B, down 2.8% from fiscal 2024. Compound annual growth was +5.1% over 5 years and +4.3% over 10 years. It rose in 7 of the last 10 fiscal years.

SYF net incomeQ3 2026$892.00M

Quarter YoY
-17.2%
QoQ
+0.8%
FY YoY
+1.5%
5Y CAGR
+20.7%
10Y CAGR
+4.8%

SYF net income was $892.00M in fiscal Q3 2026 (ended Sep 30, 2026), down 17.2% from a year earlier and up 0.8% from the prior quarter. For the full fiscal 2025 it was $3.55B, up 1.5% from fiscal 2024. Compound annual growth was +20.7% over 5 years and +4.8% over 10 years. It rose in 6 of the last 10 fiscal years.

SYF EPSQ3 2026$2.68

Quarter YoY
-6.3%
QoQ
+3.5%
FY YoY
+8.5%
5Y CAGR
+32.5%
10Y CAGR
+13.4%

SYF diluted EPS was $2.68 in fiscal Q3 2026 (ended Sep 30, 2026), down 6.3% from a year earlier and up 3.5% from the prior quarter. For the full fiscal 2025 it was $9.28, up 8.5% from fiscal 2024. Compound annual growth was +32.5% over 5 years and +13.4% over 10 years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$18.99B$19.53B$17.29B$16.00B$14.72B$14.81B$17.17B$16.38B$15.30B$13.87B
Interest expense--$3.71B$1.52B$1.03B$1.67B$2.29B$1.87B$1.39B$1.25B
Pre-tax income$4.62B$4.55B$2.90B$3.96B$5.50B$1.80B$4.89B$3.64B$3.32B$3.57B
Income tax$1.07B$1.05B$666.00M$946.00M$1.28B$412.00M$1.14B$854.00M$1.39B$1.32B
Net income$3.55B$3.50B$2.24B$3.02B$4.22B$1.39B$3.75B$2.79B$1.94B$2.25B
EPS, basic$9.38$8.64$5.21$6.19$7.40$2.28$5.59$3.76$2.43$2.71
EPS, diluted$9.28$8.55$5.19$6.15$7.34$2.27$5.56$3.74$2.42$2.71
Diluted shares373.9M400.6M423.5M483.4M569.3M590.8M673.5M746.9M799.7M831.5M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$14.97B$14.76B$14.26B$10.43B$8.69B$11.61B$12.65B$10.38B$11.82B$9.67B
Goodwill$1.36B$1.27B$1.02B$1.10B$1.10B$1.08B$1.08B$1.02B$991.00M$949.00M
Total assets$119.09B$119.46B$117.48B$104.56B$95.75B$95.95B$104.83B$106.79B$95.81B$90.21B
Total debt$15.18B$15.46B$15.98B$14.19B$14.51B$15.78B$19.87B$24.00B$20.80B$20.15B
Total liabilities$102.33B$102.88B$103.58B$91.69B$82.09B$83.25B$89.74B$92.11B$81.57B$76.01B
Shareholders' equity$16.77B$16.58B$13.90B$12.87B$13.65B$12.70B$15.09B$14.68B$14.23B$14.20B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$9.85B$9.85B$8.59B$6.69B$7.10B$7.49B$8.99B$9.34B$8.57B$6.51B
Investing cash flow-$4.85B-$8.90B-$14.23B-$10.23B-$4.81B-$498.00M-$261.00M-$19.04B-$9.54B-$13.36B
Financing cash flow-$4.74B-$611.00M$9.63B$5.28B-$5.20B-$8.03B-$6.46B$8.25B$3.12B$3.81B
Dividends paid$427.00M$398.00M$406.00M$434.00M$500.00M$520.00M$581.00M$534.00M$446.00M$214.00M
Share repurchases$2.94B$1.01B$1.11B$3.32B$2.88B$985.00M$3.62B$1.87B$1.50B$476.00M
Depreciation and amortization$514.00M$481.00M$458.00M$419.00M$390.00M$383.00M$367.00M$302.00M$254.00M$219.00M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-2.8%13.0%8.0%8.7%-0.6%-13.8%4.8%7.1%10.3%11.1%
Net income growth, YoY1.5%56.3%-25.8%-28.5%204.8%-63.0%34.3%44.2%-14.0%1.7%
EPS growth, YoY8.5%64.7%-15.6%-16.2%223.3%-59.2%48.7%54.5%-10.7%2.3%
Net margin18.7%17.9%12.9%18.8%28.7%9.4%21.8%17.0%12.6%16.2%
Return on equity21.2%21.1%16.1%23.4%30.9%10.9%24.8%19.0%13.6%15.9%
Return on assets3.0%2.9%1.9%2.9%4.4%1.4%3.6%2.6%2.0%2.5%
Debt to equity0.910.931.151.101.061.241.321.631.461.42

Source: XBRL data Synchrony Financial files with the SEC, latest filing dated Oct 22, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

SYF peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
SYF$19.31B+2.6%$3.33B17.3%$22.96B
AXP$77.59B+10.2%$12.26B15.8%$215.24B
SPGI$17.21B+18.2%$4.99B29.0%$135.62B
MCO$8.18B+9.0%$2.88B35.3%$87.18B
NU$15.77B+37.0%$2.87B18.2%$58.39B
RKT$11.46B+90.4%$1.30B11.4%$42.74B
COIN$5.63B-26.6%-$701.62M-12.5%$35.68B
AFRM$4.59B+32.7%$2.01B43.9%$23.08B
EFX$6.59B+10.9%$742.90M11.3%$22.19B

SYF FAQ

7 questions
  • What is SYF revenue?
    Synchrony Financial (SYF) reported $19.31B of revenue for the twelve months ended Sep 30, 2026. That is up 2.6% from the year before. Revenue for fiscal 2025 was $18.99B.
  • Is SYF profitable?
    Yes. Synchrony Financial earned $3.33B in net income for the twelve months ended Sep 30, 2026, a net margin of 17.3%.
  • How much cash and debt does SYF have?
    Synchrony Financial reported $15.90B in cash and cash equivalents and $17.02B of debt on its most recent balance sheet in SEC filings.
  • How fast is SYF revenue growing?
    Synchrony Financial's revenue changed -2.8% in fiscal 2025, to $18.99B. Its compound annual growth rate was +5.1% over 5 years and +4.3% over 10 years.
  • What is SYF earnings per share?
    Diluted earnings per share were $9.57 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did SYF last report financial results?
    The latest statements here come from Synchrony Financial's 10-Q filed on Oct 22, 2026, covering the period ended Sep 30, 2026.
  • Where does this SYF financial data come from?
    Quantisnow builds these statements from the structured XBRL data Synchrony Financial files with the SEC. It is provided for information only and is not investment advice.