Synchrony Financial SYF · USD
Financials · Consumer Finance · US listing · 🇺🇸 United States
S&P 500
73.22
-0.71%
Close of 9 Nov 2026, in USD
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At a glance
Figures in USD, from our data supplier.
Revenue, before interest expense
$23.12bn
FY2016FY2025
Net income
$3.47bn
FY2016FY2025
Total assets
$119.09bn
FY2016FY2025
Shareholders' equity
$16.77bn
FY2016FY2025
Income statement
Fiscal years
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | $23.12bn | $24.17bn | $21.00bn | $17.53bn | $15.75bn | $16.47bn | $19.46bn | $18.25bn | $16.70bn | $15.12bn |
| Net income | $3.47bn | $3.43bn | $2.20bn | $2.97bn | $4.18bn | $1.34bn | $3.75bn | $2.79bn | $1.94bn | $2.25bn |
| Diluted earnings per share | 9.28 | 8.55 | 5.19 | 6.15 | 7.34 | 2.27 | 5.56 | 3.74 | 2.41 | 2.71 |
Balance sheet
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | $119.09bn | $119.46bn | $117.48bn | $104.56bn | $95.75bn | $95.95bn | $104.83bn | $106.79bn | $95.81bn | $90.21bn |
| Total liabilities | $102.33bn | $102.88bn | $103.58bn | $91.69bn | $82.09bn | $83.25bn | $89.74bn | $92.11bn | $81.57bn | $76.01bn |
| Debt | $15.18bn | $15.46bn | $15.98bn | $14.19bn | $14.51bn | $15.78bn | $19.87bn | $24.00bn | $20.80bn | $20.15bn |
| Shareholders' equity | $16.77bn | $16.58bn | $13.90bn | $12.87bn | $13.65bn | $12.70bn | $15.09bn | $14.68bn | $14.23bn | $14.20bn |
| Shares outstanding | 374m | 401m | 424m | 483m | 569m | 591m | 674m | 747m | 800m | 832m |
Latest quarters
By quarter end
| Jun 2026 | Mar 2026 | Dec 2025 | Sept 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sept 2024 | |
|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | $4.69bn | $4.67bn | $4.77bn | $4.83bn | $4.71bn | $4.80bn | $4.92bn | $4.99bn |
| Operating income | $1.19bn | $1.05bn | $952.0m | $1.43bn | $1.26bn | $984.0m | $973.0m | $1.03bn |
| Net income | $885.0m | $805.0m | $751.0m | $1.08bn | $967.0m | $757.0m | $774.0m | $789.0m |
| Diluted earnings per share | 2.65 | 2.41 | 2.10 | 3.01 | 2.70 | 2.12 | 1.96 | 2.00 |
| Total assets | $121.93bn | $121.50bn | $119.09bn | $116.98bn | $120.50bn | $122.03bn | $119.46bn | $119.23bn |
| Cash and short-term investments | $16.19bn | $20.56bn | $17.32bn | $18.96bn | $22.36bn | $24.35bn | $17.79bn | $20.28bn |
| Debt | $20.78bn | $16.43bn | $15.18bn | $14.43bn | $18.58bn | $17.01bn | $15.46bn | $15.81bn |
| Shareholders' equity | $16.90bn | $16.48bn | $16.77bn | $17.07bn | $16.95bn | $16.58bn | $16.58bn | $15.98bn |
Financial ratios
Data as of 25 Sept 2026
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | |
|---|---|---|---|---|---|---|---|---|
| Operating margin | 24.2% | 21.9% | 16.7% | 30.0% | 49.0% | 14.0% | — | — |
| Net margin | 18.6% | 16.9% | 12.9% | 22.9% | 37.6% | 10.8% | — | — |
| Return on equity | 21.2% | 21.1% | 16.1% | 23.4% | 30.9% | 10.9% | — | — |
| Return on assets | 3.0% | 2.9% | 1.9% | 2.9% | 4.4% | 1.4% | — | — |
| Revenue growth | -7.9% | 19.7% | 31.4% | 17.6% | -12.5% | -17.8% | — | — |
| Earnings growth | 1.5% | 56.3% | -25.8% | -28.5% | 204.8% | -63.0% | — | — |
| Current ratio | 0.21x | 0.22x | 25.25x | 1.39x | 2.68x | 4.26x | — | — |
| Debt to equity | 0.91x | 1.27x | 1.45x | 1.67x | 1.10x | 1.62x | — | — |
| Equity ratio | 14.1% | 13.9% | 11.8% | 12.3% | 14.3% | 13.2% | — | — |
| Interest coverage | 1.12x | 0.98x | 0.78x | 2.60x | 5.33x | 1.08x | — | — |
| R&D as a share of sales | — | — | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Buybacks as a share of market value | 9.4% | 3.0% | 9.4% | 17.3% | 7.4% | 8.0% | — | — |
Growth per year
Compound annual rate
| 3 years | 5 years | 10 years | |
|---|---|---|---|
| Revenue | 5.9% | 5.1% | 4.3% |
| Net income | 5.3% | 20.9% | 4.6% |
Average margins
Over each period
| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Net margin | 14.6% | 14.1% | 14.9% | 15.2% |
Valuation history
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Price to earnings | 9.0 | 7.6 | 7.4 | 5.3 | 6.3 | 15.3 | 6.5 | 6.3 | 16.0 | 13.4 |
| Price to sales | 1.6 | 1.3 | 0.9 | 1.0 | 1.8 | 1.4 | 1.4 | 1.1 | 2.0 | 2.2 |
Market value over time
31 Oct 2016 to 24 Sept 2026, in USD
$23.75bn$23.90bn
Share price return
Finished calendar years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Return | 32% | 66% | 18% | -27% | 32% | -9% | 60% | -39% | 2% | 24% |
Dividends and splits
Per share, in the currency the company pays
Paid for 10 years. Last went ex-dividend on 5 Aug 2026.
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | |
|---|---|---|---|---|---|---|---|---|
| Paid in the year | 0.94 | 1.15 | 1.00 | 0.96 | 0.90 | 0.88 | 0.88 | 0.86 |
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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