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  4. SYNCHRONY FINANCIAL
Synchrony Financial
XNYS: SYF
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73.68-0.36(-0.49%)
3.5M
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XNYS 16 Oct, 2026 5:30 PM (EDT)

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Board Meeting
The next board meeting for Synchrony Financial is on 20 Oct 2026 for the purpose of Synchrony Financial Third Quarter Earnings Results for 2026See details

Synchrony Financial quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Synchrony Financial share price target, revenues, EPS, net income and more

Synchrony Financial quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Synchrony Financial Jun-2026 Quarterly Revenue is $3,718 Million which is growth of 1.9% YoY.

  • NEGATIVE

    Quarterly Net Profit Synchrony Financial Jun-2026 Quarterly Net Profit is $885 Million which is growth of -8.5% YoY.

Synchrony Financial, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
3,7183,6983,7933,8233,6473,7182,7323,8143,7123,7293,6593,4753,294
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------633569584
Operating Profit
----------
⌄
-------------
Profit Before Tax
1,1861,0479521,4291,2569849731,0288441,708539833742
Tax
30124220135228922719923920141599205173
⌄
8647847301,0579467367537686241,282429618559
Diluted NI Avail to Com Stockholders Ann.
8647847301,0579467367537686241,282429618559
Basic EPS
2.62.32.12.92.51.91.921.63.211.51.3
Diluted EPS After ExtraOrdinary
2.62.322.92.51.91.91.91.61.211.51.3
Number Of Shares End
331.3342.4352.5365.9376.2385.2389.9392.3399.3404.7411.9416422.7
Net Income Continuing Discontinued Operations
8858057511,0779677577747896431,293440628569
Normalized Income
8858057511,077967757-42.2789643480475.1628569
Interest Income
5,5835,6035,7345,7315,5865,5505,7105,7855,5825,5685,5495,3545,021
Interest
9759689731,0111,0651,0861,1181,1761,1771,1631,083992901
Net Interest Income
4,6084,6354,7614,7204,5214,4644,5924,6094,4054,4054,4664,3624,120
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
145143139128122125120121121119118116113
Profit From Continuing Operations
8858057511,0779677577747896431,293440628569
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Synchrony Financial competitor comparison and performance snapshot within industry

Synchrony Financial annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • NEGATIVE

    Annual Revenue Synchrony Financial Dec-2025 Annual Revenue is $14,981 Million which is growth of -0.5% YoY.

  • POSITIVE

    Annual Net Profit Synchrony Financial Dec-2025 Annual Net Profit is $3,552 Million which is growth of 1.5% YoY.

Synchrony Financial, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
8.7%
6.1%
 14,98115,05613,62711,67410,19211,16213,31213,28412,36710,9729,747
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---3,711-1,521-1,032-1,665-2,291-1,870-1,391-1,248-1,135
Operating Profit Ann.
-
-
 --17,33813,19511,22412,82715,60315,15413,75812,22010,882
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
5.3%
20.8%
4,6144,6214,5532,9043,9625,5031,7974,8873,6443,3243,5703,531
Tax Ann.
4.2%
21%
1,0961,0691,0546669461,2824121,1408541,3891,3191,317
⌄
5.3%
20.9%
3,4353,4693,4272,1962,9744,1791,3433,7472,7901,9352,2512,214
Diluted NI Avail to Com Stockholders Ann.
5.3%
20.9%
3,4353,4693,4272,1962,9744,1791,3433,7472,7901,9352,2512,214
EPS Ann.
14.9%
32.5%
 9.48.65.26.27.42.35.63.82.42.72.7
Diluted EPS Ann.
14.5%
32.2%
 9.38.65.26.27.32.35.63.72.42.72.7
Number Of Shares End
-7.5%
-9.6%
 352.5389.9411.9445.3537.6583.6633.3718.6778.5820.8833.2
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
5.6%
20.7%
3,5183,5523,4992,2383,0164,2211,3853,7472,7901,9352,2512,214
Normalized Income Ann.
5.6%
19.6%
3,5183,5522,7102,271.23,0164,2211,452.13,7472,7902,0952,2512,214
Interest Income Ann.
9.6%
7.1%
22,65122,60122,64520,71017,14615,27116,06719,09017,98816,40714,77813,228
Interest Ann.
39.6%
20%
3,9274,1354,6343,7111,5211,0321,6652,2911,8701,3911,2481,135
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
7%
6.1%
555514481458419390383367302254219174
Profit From Continuing Operations Ann.
5.6%
20.7%
3,5183,5523,4992,2383,0164,2211,3853,7472,7901,9352,2512,214
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
-0.5%
2Y CAGR
4.9%
3Y CAGR
8.7%
5Y CAGR
6.1%
7Y CAGR
1.7%
10Y CAGR
4.4%
Total Revenue Annual is falling faster than historical averages.
Net Profit Ann.
1Y CHG
1.5%
2Y CAGR
26%
3Y CAGR
5.6%
5Y CAGR
20.7%
7Y CAGR
3.5%
10Y CAGR
4.8%
Net Profit Annual growth is lower than historical averages.

Synchrony Financial balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Synchrony Financial Dec-2025 Total Shareholders Fund is $15,544 Million which is growth of 1.2% YoY.

  • NEGATIVE

    Total Assets Synchrony Financial Dec-2025 Total Assets is $119,095 Million which is growth of -0.3% YoY.

Synchrony Financial, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
4.4%
4.4%
119,095119,463117,479104,56495,74895,948104,826106,79295,80890,20784,135
⌄
3.7%
4.2%
102,329102,883103,57691,69182,09383,24789,73892,11481,57476,01171,531
⌄
8.6%
5.4%
15,54415,35813,16912,13912,92111,96714,35414,67814,23414,19612,604
Total Capitalization Ann.
5.7%
2.3%
31,94832,04229,88527,06428,16228,47634,95438,67435,03334,34336,948
Tangible Assets Ann.
10.5%
6.1%
14,14814,45212,07010,48111,38210,49812,74512,51712,49412,53510,954
Working Capital Ann.
-
-
--
Invested Capital Ann.
5.3%
2.1%
30,72630,82029,15126,33027,42827,74234,22038,67435,03334,34336,948
Tangible Book Value Ann.
9.9%
5.8%
12,92613,23011,3369,74710,6489,76412,01112,51712,49412,53510,954
Borrowings Ann.
2.3%
-0.8%
15,18215,46215,98214,19114,50715,77519,86623,99620,79920,14724,344
Net Debt Ann.
-62.3%
-45.3%
2097511,7233,8976,1704,2517,71914,6009,19710,82612,019
Share Issued Ann.
0%
0%
834.4834834834834834834833.9834834833.8
Number Of Shares End
-7.5%
-9.6%
352.5389.9411.9445.3537.6583.6633.3718.6778.5820.8833.2
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
-0.3%
2Y CAGR
0.7%
3Y CAGR
4.4%
5Y CAGR
4.4%
7Y CAGR
1.6%
10Y CAGR
3.5%
Total Assets Annual is falling faster than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
1.2%
2Y CAGR
8.6%
3Y CAGR
8.6%
5Y CAGR
5.4%
7Y CAGR
0.8%
10Y CAGR
2.1%
Total ShareHolders Funds Annual growth is stable compared to historical averages.

Synchrony Financial ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Synchrony Financial Book Value Per Share is $45 which is growth of 13.2% YoY.

  • NEUTRAL

    ROE Synchrony Financial ROE is 0% which is growth of 0% YoY.

Synchrony Financial, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-2.89%1.98%2.97%4.36%1.34%3.54%2.75%2.08%2.58%2.77%
ROE Ann. %
-
-
-24.03%17.35%23.74%33.58%10.20%25.81%19.30%13.61%16.80%19.18%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--127.23%113.03%110.13%114.92%117.21%114.08%111.25%111.37%111.64%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0.10.10.10.10.10.10.10.10.10.1
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-11.21.21.11.31.41.61.51.41.9
*All financials are in USD Million and price data in USD
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Synchrony Financial cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Synchrony Financial Dec-2025 Cash From Operating Activity is $9,851 Million which is growth of 0.0% YoY.

  • NEGATIVE

    Net Cash Flow Synchrony Financial Dec-2025 Net Cash Flow is $262 Million which is growth of -21.6% YoY.

Synchrony Financial, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
13.7%
5.6%
9,8519,8488,5936,6947,0997,4878,9909,3428,9166,8236,184
⌄
-
-
-4,854-8,903-14,234-10,234-4,814-498-261-19,036-9,410-13,320-10,803
⌄
-
-
-4,735-6119,6325,284-5,204-8,031-6,4588,2532,7753,4935,116
Cash Plus Cash Eqv. End Of Year Ann.
12.9%
5.3%
15,01714,75514,42110,4308,68611,60512,64710,37611,6029,32112,325
Net Increase In Cash Plus Cash Eqv.s Ann.
-46.8%
-
2623343,9911,744-2,919-1,0422,271-1,4412,281-3,004497
Cash Plus Cash Eqv. Begin Of Year Ann.
19.3%
3.1%
14,75514,42110,4308,68611,60512,64710,37611,8179,32112,32511,828
Income Tax Paid Supplemental Data Ann.
-
-
-1,0871,1251,2901,1128471,0177727541,7711,219
Interest Paid Supplemental Data Ann.
45.3%
19.7%
4,1624,6623,5511,3561,0341,6912,2721,8151,3501,1601,040
Capex Ann.
-
-
-----------
Issuance Of Capital Stock Ann.
-
-7.8%
488--734---
Issuance Of Debt Ann.
-6.7%
43%
4,0302,4393,0344,9553,1056755,3306,3376,0434,9846,876
Repayment Of Debt Ann.
-
-
-4,325-2,975-1,257-5,284-4,386-4,783-9,477-3,157-5,410-9,150-9,993
Repurchase Of Capital Stock Ann.
-
-
-2,941-1,008-1,112-3,320-2,876-985-3,618-1,868-1,497-476-
Free Cash Flow Ann.
13.7%
5.6%
9,8519,8488,5936,6947,0997,4878,9909,3428,9166,8236,184
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
0%
2Y CAGR
7.1%
3Y CAGR
13.7%
5Y CAGR
5.6%
7Y CAGR
0.8%
10Y CAGR
4.8%
Cash from Operating Activity Annual growth is lower than historical averages.
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