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Synchrony Financial (SYF)
NYSE: SYF · Real-Time Price · USD
77.12
+1.81 (2.40%)
At close: Jul 28, 2026, 4:00 PM EDT
77.10
-0.02 (-0.03%)
After-hours: Jul 28, 2026, 7:34 PM EDT

Synchrony Financial Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Revenue
2,5172,3632,3512,6772,5012,2272,2402,2172,0202,9141,8551,9871,9111,9091,8921,9862,1492,2722,1692,461
Revenue Growth
0.64%6.11%4.96%20.75%23.81%-23.58%20.76%11.58%5.70%52.64%-1.96%0.05%-11.07%-15.98%-12.77%-19.30%-16.99%1.11%11.57%66.40%
Net Income
8647847301,0579467367537686241,2824296185595905676927939228031,130
Earnings Per Share
2.592.272.042.862.501.891.911.941.553.141.031.481.321.351.261.471.601.771.482.00
EPS Growth
3.60%20.11%6.81%47.42%61.29%-39.81%85.44%31.08%17.42%132.59%-18.25%0.68%-17.50%-23.73%-14.87%-26.50%-24.53%2.31%19.36%284.62%

Cash & Debt
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Cash & Equivalents
16,19320,55914,97316,24519,45721,62914,71117,93418,63220,02114,25915,64312,70615,30310,29411,96210,68210,5418,3379,806
Total Debt
16,43216,42815,18214,43116,00917,00915,46215,63215,63716,13315,98215,23114,23114,93414,19114,32112,15713,36014,50712,760
Net Cash (Debt)
-16,432-16,428-15,182-14,431-16,009-17,009-15,462-15,632-15,637-16,133-15,982-15,231-14,231-14,934-14,191-14,321-12,157-13,360-14,507-12,760
Net Cash Growth
--------------------
Net Cash Per Share
-49.18-47.48-42.46-39.01-42.23-43.68-39.16-39.42-38.84-39.52-38.55-36.40-33.55-34.16-31.61-30.42-24.54-25.72-26.72-22.56

Cash Flow & CapEx
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Operating Cash Flow
2,4202,1832,4542,6372,5602,2002,3532,7632,4842,2482,3172,4821,9081,8861,8471,6341,8171,3962,0041,815
Free Cash Flow
2,4202,1832,4542,6372,5602,2002,3532,7632,4842,2482,3172,4821,9081,8861,8471,6341,8171,3962,0041,815
Free Cash Flow Growth
-5.47%-0.77%4.29%-4.56%3.06%-2.14%1.55%11.32%30.19%19.19%25.45%51.90%5.01%35.10%-7.83%-9.97%26.09%-24.09%-3.93%22.39%

Margins
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Pretax Margin
47.12%44.31%40.49%53.38%50.22%44.19%43.44%46.37%41.78%58.61%29.06%41.92%38.83%41.38%39.16%46.42%49.60%54.27%48.27%60.95%
Profit Margin
35.16%34.07%31.94%40.23%38.66%33.99%34.55%35.59%31.83%44.37%23.72%31.61%29.78%31.48%30.50%35.40%37.41%41.02%37.48%46.36%
FCF Margin
96.15%92.38%104.38%98.51%102.36%98.79%105.05%124.63%122.97%77.14%124.91%124.91%99.84%98.80%97.62%82.28%84.55%61.44%92.39%73.75%

Dividends
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Dividend Per Share
0.3000.3000.3000.3000.3000.2500.2500.2500.2500.2500.2500.2500.2300.2300.2300.2300.2200.2200.2200.220
Dividend Per Share Growth
0%20.00%20.00%20.00%20.00%0%0%0%8.70%8.70%8.70%8.70%4.54%4.54%4.54%4.54%0%0%0%0%
Dividend Yield
0.40%0.45%0.36%0.42%0.45%0.48%0.38%0.51%0.53%0.58%0.65%0.82%0.69%0.79%0.70%0.83%0.79%0.64%0.48%0.45%

Valuation
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
PE Ratio
7.797.038.997.768.107.267.606.516.556.197.365.656.285.125.344.464.034.726.326.89
Forward PE
7.917.379.148.048.006.939.088.398.167.767.205.706.265.656.595.265.006.327.938.55
P/FCF Ratio
2.552.332.942.712.572.112.571.981.961.931.811.561.951.732.151.891.922.653.443.73
PS Ratio
2.492.322.972.742.772.382.692.162.122.002.031.641.841.571.741.511.491.862.582.89