Synchrony Financial (SYF) Financial Statements
Industry: Finance Services
In fiscal 2025, Synchrony Financial reported revenue of $18.99B, down 2.8% from $19.53B the year before. Net income was $3.55B (a 18.7% net margin), or $9.28 per diluted share. Net interest income was $18.47B, and the efficiency ratio (noninterest expense / revenue) was 27.0%. Operating activities generated $9.85B of cash. At fiscal year end, Synchrony Financial held $119.09B in total assets against $102.33B in total liabilities, including $14.97B of cash and equivalents.
Open the full interactive Synchrony Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Synchrony Financial Key Stats
| Share Price | $73.59 |
|---|---|
| Market Cap | $24.59B |
| P/E Ratio | 7.9 |
| Revenue YoY Growth | -2.8% |
| 52-Week Range | $63.25 – $87.38 |
| Shares Outstanding | 331.3 million (basic, 2026 Q2) |
Synchrony Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $14.40B | $14.24B | $15.62B | $17.00B | $18.01B | $18.47B |
| Provision for Credit Losses | $5.31B | $726.0M | $3.38B | $5.96B | $6.73B | $5.22B |
| Noninterest Income | $405.0M | $481.0M | $380.0M | $289.0M | $1.52B | $520.0M |
| Noninterest Expense | $4.05B | $3.96B | $4.34B | $4.76B | $4.84B | $5.13B |
| Revenue | $14.81B | $14.72B | $16.00B | $17.29B | $19.53B | $18.99B |
| Pre-Tax Income | $1.80B | $5.50B | $3.96B | $2.90B | $4.55B | $4.62B |
| Income Tax | $412.0M | $1.28B | $946.0M | $666.0M | $1.05B | $1.07B |
| Net Income | $1.39B | $4.22B | $3.02B | $2.24B | $3.50B | $3.55B |
| Diluted EPS | $2.27 | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
Synchrony Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $4.85B | $4.89B | $4.77B | $4.75B |
| Net Income | $1.08B | $751.0M | $805.0M | $885.0M |
| Diluted EPS | $2.86 | $2.01 | $2.27 | $2.59 |
Synchrony Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $11.52B | $8.34B | $10.29B | $14.26B | $14.71B | $14.97B |
| Total Assets | $95.95B | $95.75B | $104.56B | $117.48B | $119.46B | $119.09B |
| Deposits | $62.78B | $62.27B | $71.73B | $81.15B | $82.06B | $81.14B |
| Total Long-Term Debt | $15.78B | $14.51B | $14.19B | $15.98B | $15.46B | $15.18B |
| Total Liabilities | $83.25B | $82.09B | $91.69B | $103.58B | $102.88B | $102.33B |
| Shareholders' Equity | $12.70B | $13.65B | $12.87B | $13.90B | $16.58B | $16.77B |
Synchrony Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $7.49B | $7.10B | $6.69B | $8.59B | $9.85B | $9.85B |
| Cash From Investing | -$498.0M | -$4.81B | -$10.23B | -$14.23B | -$8.90B | -$4.85B |
| Cash From Financing | -$8.03B | -$5.20B | $5.28B | $9.63B | -$611.0M | -$4.74B |
Figures from Synchrony Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Synchrony Financial financials page for every line item.
Synchrony Financial Company Profile
| Ticker | SYF |
|---|---|
| Exchange | NYSE |
| Industry | Finance Services |
| Headquarters | Stamford, Connecticut |
| Incorporated in | New York |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001601712 |
Frequently Asked Questions
What was Synchrony Financial's revenue in fiscal 2025?
Synchrony Financial (SYF) reported revenue of $18.99B for fiscal 2025.
What is Synchrony Financial's annual revenue history?
Synchrony Financial's annual revenue by fiscal year: 2020: $14.81B; 2021: $14.72B; 2022: $16.00B; 2023: $17.29B; 2024: $19.53B; 2025: $18.99B.
What was Synchrony Financial's net income in fiscal 2025?
Synchrony Financial reported net income of $3.55B for fiscal 2025.
What was Synchrony Financial's earnings per share (EPS) in fiscal 2025?
Synchrony Financial's diluted EPS was $9.28 for fiscal 2025 (adjusted for any later stock splits).
What was Synchrony Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Synchrony Financial reported revenue of $4.75B.
How much debt does Synchrony Financial have?
Synchrony Financial reported $15.18B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Synchrony Financial are outstanding?
Synchrony Financial reported a weighted average of 331.3 million basic shares outstanding in 2026 Q2.
What is Synchrony Financial's market cap?
Based on its latest closing price, Synchrony Financial (SYF) has a market capitalization of about $24.59B.
When does Synchrony Financial's fiscal year end?
Synchrony Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Synchrony Financial headquartered?
Synchrony Financial lists its business address in Stamford, Connecticut in its SEC filings.