Synchrony Financial (SYF)
NYSE: SYF · Real-Time Price · USD
72.33
+1.78 (2.52%)
Jun 9, 2026, 4:00 PM EDT - Market closed
Synchrony Financial Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | 14,457 | 14,461 | 14,604 | 13,338 | 11,294 | 9,711 |
Net Interest Income Growth | -0.52% | -0.98% | 9.49% | 18.10% | 16.30% | -9.72% |
Non-Interest Income | 504 | 520 | 1,521 | 289 | 380 | 481 |
Non-Interest Income Growth | -1.56% | -65.81% | 426.30% | -23.95% | -21.00% | 18.77% |
Revenues Before Loan Losses | 14,961 | 14,981 | 16,125 | 13,627 | 11,674 | 10,192 |
Provision for Credit Losses | 5,069 | 5,225 | 6,733 | 5,965 | 3,375 | 726 |
| 9,892 | 9,756 | 9,392 | 7,662 | 8,299 | 9,466 | |
Revenue Growth (YoY) | 13.65% | 3.88% | 22.58% | -7.68% | -12.33% | 61.76% |
Compensation Expenses | 2,102 | 2,093 | 1,872 | 1,884 | 1,681 | 1,501 |
Selling, General & Admin | 2,379 | 2,346 | 2,263 | 2,081 | 1,942 | 1,818 |
Other Non-Interest Expenses | 727 | 696 | 704 | 793 | 714 | 644 |
Total Non-Interest Expense | 5,208 | 5,135 | 4,839 | 4,758 | 4,337 | 3,963 |
Pretax Income | 4,684 | 4,621 | 4,553 | 2,904 | 3,962 | 5,503 |
Provision for Income Taxes | 1,084 | 1,069 | 1,054 | 666 | 946 | 1,282 |
Net Income | 3,600 | 3,552 | 3,499 | 2,238 | 3,016 | 4,221 |
Net Income to Common | 3,517 | 3,469 | 3,427 | 2,196 | 2,974 | 4,179 |
Net Income Growth | 22.08% | 1.23% | 56.06% | -26.16% | -28.84% | 211.17% |
Shares Outstanding (Basic) | 359 | 370 | 397 | 421 | 480 | 565 |
Shares Outstanding (Diluted) | 363 | 374 | 401 | 424 | 483 | 569 |
Shares Change (YoY) | -8.25% | -6.67% | -5.41% | -12.39% | -15.09% | -3.64% |
EPS (Basic) | 9.76 | 9.38 | 8.64 | 5.21 | 6.19 | 7.40 |
EPS (Diluted) | 9.67 | 9.28 | 8.55 | 5.19 | 6.15 | 7.34 |
EPS Growth | 32.65% | 8.54% | 64.74% | -15.61% | -16.21% | 223.35% |
Free Cash Flow | 9,834 | 9,851 | 9,848 | 8,593 | 6,694 | 7,099 |
Free Cash Flow Growth | -0.17% | 0.03% | 14.61% | 28.37% | -5.71% | -5.18% |
Free Cash Flow Per Share | 27.08 | 26.35 | 24.58 | 20.29 | 13.85 | 12.47 |
Dividends Per Share | 1.200 | 1.150 | 1.000 | 0.960 | 0.900 | 0.880 |
Dividend Growth | 4.35% | 15.00% | 4.17% | 6.67% | 2.27% | - |
Profit Margin | 36.39% | 36.41% | 37.26% | 29.21% | 36.34% | 44.59% |
FCF Margin | 99.41% | 100.97% | 104.86% | 112.15% | 80.66% | 74.99% |
EBITDA | 532 | 514 | 481 | 458 | 419 | 390 |
EBITDA Margin | 5.38% | 5.27% | 5.12% | 5.98% | 5.05% | 4.12% |
Effective Tax Rate | 23.14% | 23.13% | 23.15% | 22.93% | 23.88% | 23.30% |