Synchrony Financial (SYF)

NYSE: SYF · Real-Time Price · USD

77.93

-0.66 (-0.84%)

Aug 10, 2026, 1:57 PM EDT - Market open

Synchrony Financial Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Revenue	9,908	9,756	9,392	7,662	8,299	9,466
Revenue Growth	7.87%	3.88%	22.58%	-7.68%	-12.33%	61.76%
Net Income	3,435	3,469	3,427	2,196	2,974	4,179
Earnings Per Share	9.76	9.28	8.55	5.19	6.15	7.34
EPS Growth	18.45%	8.54%	64.74%	-15.61%	-16.21%	223.35%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Cash & Investments	16,193	14,973	14,711	14,259	10,294	8,337
Total Debt	16,432	15,182	15,462	15,982	14,191	14,507
Net Cash (Debt)	-239	-209	-751	-1,723	-3,897	-6,170
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-0.68	-0.56	-1.87	-4.07	-8.06	-10.84

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Operating Cash Flow	9,694	9,851	9,848	8,593	6,694	7,099
Free Cash Flow	9,694	9,851	9,848	8,593	6,694	7,099
Free Cash Flow Growth	-1.84%	0.03%	14.61%	28.37%	-5.71%	-5.18%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Pretax Margin	46.57%	47.37%	48.48%	37.90%	47.74%	58.13%
Profit Margin	35.51%	36.41%	37.26%	29.21%	36.34%	44.59%
FCF Margin	97.84%	100.97%	104.86%	112.15%	80.66%	74.99%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 10, 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
Dividend Per Share	1.360	1.150	1.000	0.960	0.900	0.880
Dividend Per Share Growth	12.73%	15.00%	4.17%	6.67%	2.27%	0%
Dividend Yield	1.75%	1.38%	1.54%	2.52%	2.75%	1.91%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 10, 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
PE Ratio	8.05	8.99	7.60	7.36	5.34	6.32
Forward PE	8.15	9.14	9.08	7.20	6.59	7.93
P/FCF Ratio	2.64	2.94	2.57	1.81	2.15	3.44
PS Ratio	2.58	2.97	2.69	2.03	1.74	2.58