Synchrony Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	14,461	14,604	13,338	11,294	9,711
Net Interest Income Growth	-0.98%	9.49%	18.10%	16.30%	-9.72%
Non-Interest Income	520	1,521	289	380	481
Non-Interest Income Growth	-65.81%	426.30%	-23.95%	-21.00%	18.77%
Revenues Before Loan Losses	14,981	16,125	13,627	11,674	10,192
Provision for Credit Losses	5,225	6,733	5,965	3,375	726
Revenue	9,756	9,392	7,662	8,299	9,466
Revenue Growth (YoY)	3.88%	22.58%	-7.68%	-12.33%	61.76%
Compensation Expenses	2,093	1,872	1,884	1,681	1,501
Selling, General & Admin	2,346	2,263	2,081	1,942	1,818
Other Non-Interest Expenses	696	704	793	714	644
Total Non-Interest Expense	5,135	4,839	4,758	4,337	3,963
Pretax Income	4,621	4,553	2,904	3,962	5,503
Provision for Income Taxes	1,069	1,054	666	946	1,282
Net Income	3,469	3,427	2,196	2,974	4,179
Net Income to Common	3,469	3,427	2,196	2,974	4,179
Net Income Growth	1.23%	56.06%	-26.16%	-28.84%	211.17%
Shares Outstanding (Basic)	370	397	421	480	565
Shares Outstanding (Diluted)	374	401	424	483	569
Shares Change (YoY)	-6.67%	-5.41%	-12.39%	-15.09%	-3.64%
EPS (Basic)	9.38	8.64	5.21	6.19	7.40
EPS (Diluted)	9.28	8.55	5.19	6.15	7.34
EPS Growth	8.54%	64.74%	-15.61%	-16.21%	223.35%
Free Cash Flow	9,851	9,848	8,593	6,694	7,099
Free Cash Flow Growth	0.03%	14.61%	28.37%	-5.71%	-5.18%
Free Cash Flow Per Share	26.35	24.58	20.29	13.85	12.47
Dividends Per Share	1.150	1.000	0.960	0.900	0.880
Dividend Growth	15.00%	4.17%	6.67%	2.27%	-
Profit Margin	36.41%	37.26%	29.21%	36.34%	44.59%
FCF Margin	100.97%	104.86%	112.15%	80.66%	74.99%
EBITDA	514	481	458	419	390
EBITDA Margin	5.27%	5.12%	5.98%	5.05%	4.12%
Effective Tax Rate	23.13%	23.15%	22.93%	23.88%	23.30%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.