SYF · Synchrony Financial - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $143.00M | - | - | - | $125.00M | - | - | - | $119.00M | - |
| Operating Income | $1.05B | - | $1.43B | $1.26B | $984.00M | - | $1.03B | $844.00M | $1.71B | - |
| Interest Expense | - | - | - | - | - | - | - | - | $1.16B | - |
| Income Tax | $242.00M | - | $352.00M | $289.00M | $227.00M | - | $239.00M | $201.00M | $415.00M | - |
| Net Income | $805.00M | - | $1.08B | $967.00M | $757.00M | - | $789.00M | $643.00M | $1.29B | - |
| EPS - Basic | $2.29 | - | $2.89 | $2.51 | $1.91 | - | $1.96 | $1.56 | $3.17 | - |
| EPS - Diluted | $2.27 | - | $2.86 | $2.50 | $1.89 | - | $1.94 | $1.55 | $3.14 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $20.56B | $14.97B | $16.25B | $19.46B | $21.63B | $14.71B | $17.93B | $18.63B | $20.02B | $14.26B |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $121.50B | $119.09B | $116.98B | $120.50B | $122.03B | $119.46B | $119.23B | $120.49B | $121.17B | $117.48B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $16.43B | $15.18B | $14.43B | $16.01B | $17.01B | $15.46B | $15.63B | $15.64B | $16.13B | $15.98B |
| Total Liabilities | $105.02B | $102.33B | $99.92B | $103.55B | $105.44B | $102.88B | $103.25B | $104.95B | $105.89B | $103.58B |
| Stockholders' Equity | $16.48B | $16.77B | $17.07B | $16.95B | $16.58B | $16.58B | $15.98B | $15.54B | $15.28B | $13.90B |
| Retained Earnings | $25.21B | $24.60B | $23.98B | $23.04B | $22.21B | $21.64B | $20.98B | $20.31B | $19.79B | $18.66B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.18B | - | - | - | $2.20B | - | - | - | $2.25B | - |
| Investing Cash Flow | $1.52B | - | - | - | $3.60B | - | - | - | $798.00M | - |
| Financing Cash Flow | $1.88B | - | - | - | $2.12B | - | - | - | $2.60B | - |
| CapEx | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 23.1% | - | 24.6% | 23.0% | 23.1% | - | 23.2% | 23.8% | 24.3% | - |
| Return on assets | 0.7% | - | 0.9% | 0.8% | 0.6% | - | 0.7% | 0.5% | 1.1% | - |
| Return on equity | 4.9% | - | 6.3% | 5.7% | 4.6% | - | 4.9% | 4.1% | 8.5% | - |
| Return on invested capital | 2.4% | - | 3.4% | 2.9% | 2.3% | - | 2.5% | 2.1% | 4.1% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 1.00 | 0.91 | 0.85 | 0.94 | 1.03 | 0.93 | 0.98 | 1.01 | 1.06 | 1.15 |
| Debt / Assets | 0.14 | 0.13 | 0.12 | 0.13 | 0.14 | 0.13 | 0.13 | 0.13 | 0.13 | 0.14 |
| Debt / EBITDA | 13.81 | - | - | - | 15.34 | - | - | - | 8.83 | - |
| Interest coverage | - | - | - | - | - | - | - | - | 1.5x | - |
| Equity multiplier | 7.37 | 7.10 | 6.86 | 7.11 | 7.36 | 7.21 | 7.46 | 7.75 | 7.93 | 8.45 |
| Liabilities / Assets | 0.86 | 0.86 | 0.85 | 0.86 | 0.86 | 0.86 | 0.87 | 0.87 | 0.87 | 0.88 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 30.0x | - | 24.8x | 26.7x | 28.0x | - | 25.7x | 30.4x | 13.7x | - |
| P / B | 1.4x | - | 1.5x | 1.5x | 1.2x | - | 1.2x | 1.2x | 1.2x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 16.3x | - | - | - | 14.4x | - | - | - | 7.5x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 6.4% | - | 39.0% | 48.8% | -42.4% | - | 23.4% | 13.7% | 116.2% | - |
| Net income growth (YoY) | 6.3% | - | 36.5% | 50.4% | -41.5% | - | 25.6% | 13.0% | 115.1% | - |
| EPS growth (YoY) | 20.1% | - | 47.4% | 61.3% | -39.8% | - | 31.1% | 17.4% | 132.6% | - |
| EPS CAGR (3y) | 18.9% | - | 24.8% | 16.0% | 2.2% | - | -1.0% | -9.9% | 22.0% | - |
| EPS CAGR (5y) | 5.6% | - | 40.6% | 110.8% | 33.2% | - | 3.9% | 4.6% | 15.0% | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | -0.6% | 1.1% | 6.8% | 9.1% | 8.5% | 19.3% | 16.1% | 16.1% | 15.8% | 8.0% |
Peer comparison
Same SIC group: Finance Services
Comparing Synchrony Financial against the 5 most active filers in the same SIC group.
Dividends
$1.20/share trailing 12 months · +14.3% YoY
| Ex-date | Per share |
|---|---|
| May 5, 2026 | $0.3000 |
| Feb 6, 2026 | $0.3000 |
| Nov 5, 2025 | $0.3000 |
| Aug 5, 2025 | $0.3000 |
| May 5, 2025 | $0.3000 |
| Feb 3, 2025 | $0.2500 |
| Nov 4, 2024 | $0.2500 |
| Aug 5, 2024 | $0.2500 |
| May 3, 2024 | $0.2500 |
| Feb 2, 2024 | $0.2500 |
| Oct 31, 2023 | $0.2500 |
| Jul 28, 2023 | $0.2500 |
| May 1, 2023 | $0.2300 |
| Feb 3, 2023 | $0.2300 |
| Oct 31, 2022 | $0.2300 |
| Jul 29, 2022 | $0.2300 |
| Apr 29, 2022 | $0.2200 |
| Feb 9, 2022 | $0.2200 |
| Oct 29, 2021 | $0.2200 |
| Jul 30, 2021 | $0.2200 |
| Apr 30, 2021 | $0.2200 |
| Feb 4, 2021 | $0.2200 |
| Oct 30, 2020 | $0.2200 |
| Jul 31, 2020 | $0.2200 |