Synchrony Financial (SYF) Financials: History & Chart

Synchrony Financial (SYF)SYFSynchrony Financial

About Synchrony Financial

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

Stamford, CT

20,000 employees

www.synchrony.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Brian D. Doubles

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Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024	Quarter ended Jun 2024
Revenue	19.91B	5.60B	4.77B	4.83B	4.71B	4.80B	4.92B	4.99B	4.89B
Cost of Goods Sold	7.75B	968.00M	2.42B	2.16B	2.21B	2.58B	2.68B	2.77B	2.87B
Gross Profit	12.16B	4.63B	2.35B	2.68B	2.50B	2.23B	2.24B	2.22B	2.02B
Gross Profit Margin	61.1%	82.7%	49.3%	55.4%	53.1%	46.4%	45.5%	44.4%	41.3%
Total Operating Expenses	7.61B	3.72B	1.40B	1.25B	1.25B	1.24B	1.27B	1.19B	1.18B
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	3.30B	1.32B	723.00M	623.00M	636.00M	622.00M	582.00M	587.00M	563.00M
Operating Income (EBIT)	4.55B	914.00M	952.00M	1.43B	1.26B	984.00M	973.00M	1.03B	844.00M
Operating Margin	22.9%	16.3%	20.0%	29.6%	26.7%	20.5%	19.8%	20.6%	17.3%
Income Before Tax (EBT)	4.68B	1.05B	952.00M	1.43B	1.26B	984.00M	973.00M	1.03B	844.00M
Interest Income	22.65B	5.60B	5.73B	5.73B	5.59B	5.55B	5.71B	5.79B	5.58B
Interest Expense	4.02B	968.00M	973.00M	1.01B	1.06B	1.09B	1.12B	1.18B	1.18B
Other Income/Expense	133.00M	133.00M	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	3.60B	805.00M	751.00M	1.08B	967.00M	757.00M	774.00M	789.00M	643.00M
Income Tax Expense	1.08B	242.00M	201.00M	352.00M	289.00M	227.00M	199.00M	239.00M	201.00M
Net Profit Margin	18.1%	14.4%	15.8%	22.3%	20.5%	15.8%	15.7%	15.8%	13.2%
EBITDA	5.08B	1.06B	1.09B	1.56B	1.38B	1.11B	1.09B	1.15B	965.00M
EBITDA Margin	25.5%	18.9%	22.9%	32.2%	29.2%	23.1%	22.2%	23.0%	19.7%
Depreciation & Amortization	532.00M	143.00M	139.00M	128.00M	122.00M	125.00M	120.00M	121.00M	121.00M
EPS Basic	9.76	2.29	2.07	2.89	2.51	1.91	1.93	1.96	1.56
EPS Diluted	9.67	2.27	2.04	2.86	2.50	1.89	1.91	1.94	1.55
Shares Outstanding	342.40M	342.40M	357.84M	375.70M	376.20M	385.20M	389.30M	392.30M	399.30M
Diluted Shares Outstanding	346.00M	346.00M	357.84M	379.40M	379.10M	389.40M	394.80M	396.50M	402.60M

Annual Income Statement (USD)

Swipe horizontally to review earlier years. The line-item column stays pinned.

Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	19.12B	20.76B	17.34B	13.20B	11.22B	12.83B	15.60B	15.15B
Cost of Goods Sold	9.36B	11.37B	9.68B	4.90B	1.76B	6.97B	6.47B	7.42B
Gross Profit	9.76B	9.39B	7.66B	8.30B	9.47B	5.85B	9.13B	7.74B
Gross Profit Margin	51.0%	45.2%	44.2%	62.9%	84.3%	45.6%	58.5%	51.1%
Total Operating Expenses	5.13B	4.84B	4.76B	4.34B	3.96B	4.05B	4.25B	4.09B
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	2.60B	2.35B	2.41B	2.17B	1.99B	1.83B	2.00B	1.96B
Operating Income (EBIT)	4.62B	4.55B	2.90B	3.96B	5.50B	1.80B	4.89B	3.64B
Operating Margin	24.2%	21.9%	16.7%	30.0%	49.0%	14.0%	31.3%	24.0%
Income Before Tax (EBT)	4.62B	4.55B	2.90B	3.96B	5.50B	1.80B	4.89B	3.64B
Interest Income	22.60B	22.64B	20.71B	17.15B	15.27B	16.07B	19.09B	17.99B
Interest Expense	4.13B	4.63B	3.71B	1.52B	1.03B	1.67B	2.29B	1.87B
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	3.55B	3.50B	2.24B	3.02B	4.22B	1.39B	3.75B	2.79B
Income Tax Expense	1.07B	1.05B	666.00M	946.00M	1.28B	412.00M	1.14B	854.00M
Net Profit Margin	18.6%	16.9%	12.9%	22.9%	37.6%	10.8%	24.0%	18.4%
EBITDA	5.13B	5.03B	3.36B	4.38B	5.89B	2.18B	5.25B	3.95B
EBITDA Margin	26.9%	24.2%	19.4%	33.2%	52.5%	17.0%	33.7%	26.0%
Depreciation & Amortization	514.00M	481.00M	458.00M	419.00M	390.00M	383.00M	367.00M	302.00M
EPS Basic	9.35	8.64	5.21	6.19	7.40	2.28	5.59	3.76
EPS Diluted	9.29	8.55	5.19	6.15	7.34	2.27	5.56	3.74
Shares Outstanding	357.84M	396.50M	421.20M	480.40M	564.60M	589.00M	670.20M	742.30M
Diluted Shares Outstanding	357.84M	400.60M	423.50M	483.40M	569.30M	590.80M	673.50M	746.90M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.