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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $514.00M | $481.00M | $458.00M | $419.00M | $390.00M | $383.00M |
| Operating Income | $4.62B | $4.55B | $2.90B | $3.96B | $5.50B | $1.80B |
| Interest Expense | - | - | $3.71B | $1.52B | $1.03B | $1.67B |
| Income Tax | $1.07B | $1.05B | $666.00M | $946.00M | $1.28B | $412.00M |
| Net Income | $3.55B | $3.50B | $2.24B | $3.02B | $4.22B | $1.39B |
| EPS - Basic | $9.38 | $8.64 | $5.21 | $6.19 | $7.40 | $2.28 |
| EPS - Diluted | $9.28 | $8.55 | $5.19 | $6.15 | $7.34 | $2.27 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $14.97B | $14.71B | $14.26B | $10.29B | $8.34B | $11.52B |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $119.09B | $119.46B | $117.48B | $104.56B | $95.75B | $95.95B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $15.18B | $15.46B | $15.98B | $14.19B | $14.51B | $15.78B |
| Total Liabilities | $102.33B | $102.88B | $103.58B | $91.69B | $82.09B | $83.25B |
| Stockholders' Equity | $16.77B | $16.58B | $13.90B | $12.87B | $13.65B | $12.70B |
| Retained Earnings | $24.60B | $21.64B | $18.66B | $16.72B | $14.24B | $10.62B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $9.85B | $9.85B | $8.59B | $6.69B | $7.10B | $7.49B |
| Investing Cash Flow | ($4.85B) | ($8.90B) | ($14.23B) | ($10.23B) | ($4.81B) | ($498.00M) |
| Financing Cash Flow | ($4.74B) | ($611.00M) | $9.63B | $5.28B | ($5.20B) | ($8.03B) |
| CapEx | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| 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% | 23.1% | 22.9% | 23.9% | 23.3% | 22.9% |
| Return on assets | 3.0% | 2.9% | 1.9% | 2.9% | 4.4% | 1.4% |
| Return on equity | 21.2% | 21.1% | 16.1% | 23.4% | 30.9% | 10.9% |
| Return on invested capital | 11.1% | 10.9% | 7.5% | 11.1% | 15.0% | 4.9% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.91 | 0.93 | 1.15 | 1.10 | 1.06 | 1.24 |
| Debt / Assets | 0.13 | 0.13 | 0.14 | 0.14 | 0.15 | 0.16 |
| Debt / EBITDA | 2.96 | 3.07 | 4.75 | 3.24 | 2.46 | 7.24 |
| Interest coverage | - | - | 0.8x | 2.6x | 5.3x | 1.1x |
| Equity multiplier | 7.10 | 7.21 | 8.45 | 8.12 | 7.01 | 7.55 |
| Liabilities / Assets | 0.86 | 0.86 | 0.88 | 0.88 | 0.86 | 0.87 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 9.0x | 7.6x | 7.4x | 5.3x | 6.3x | 15.3x |
| P / B | 1.9x | 1.6x | 1.2x | 1.2x | 1.9x | 1.6x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 6.1x | 5.3x | 5.3x | 4.5x | 5.5x | 11.4x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 1.5% | 56.8% | -26.7% | -28.0% | 206.2% | -63.2% |
| Net income growth (YoY) | 1.5% | 56.3% | -25.8% | -28.5% | 204.8% | -63.0% |
| EPS growth (YoY) | 8.5% | 64.7% | -15.6% | -16.2% | 223.3% | -59.2% |
| EPS CAGR (3y) | 14.7% | 5.2% | 31.7% | 3.4% | 25.2% | -2.1% |
| EPS CAGR (5y) | 32.5% | 9.0% | 6.8% | 20.5% | 22.1% | -3.0% |
| FCF growth (YoY) | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - |
| Book value growth (YoY) | 1.1% | 19.3% | 8.0% | -5.7% | 7.5% | -15.8% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |