Synchrony Financial (SYF)
NYSE: SYF · Real-Time Price · USD
73.74
-0.33 (-0.45%)
Nov 6, 2026, 4:00 PM EST - Market closed
Synchrony Financial Financials Overview
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 2,552 | 2,517 | 2,363 | 2,351 | 2,677 | 2,501 | 2,227 | 2,240 | 2,217 | 2,021 | 2,914 | 1,855 | 1,987 | 1,911 | 1,909 | 1,892 | 1,986 | 2,149 | 2,272 | 2,169 |
Revenue Growth | -4.67% | 0.64% | 6.11% | 4.96% | 20.75% | 23.75% | -23.58% | 20.76% | 11.58% | 5.76% | 52.64% | -1.96% | 0.05% | -11.07% | -15.98% | -12.77% | -19.30% | -16.99% | 1.11% | 11.57% |
Net Income Net Income Growth | 864 | 864 | 784 | 730 | 1,057 | 946 | 736 | 753 | 768 | 624 | 1,282 | 429 | 618 | 559 | 590 | 567 | 692 | 793 | 922 | 803 |
Earnings Per Share EPS Growth | 2.68 | 2.59 | 2.27 | 2.04 | 2.86 | 2.50 | 1.89 | 1.90 | 1.94 | 1.55 | 3.14 | 1.04 | 1.48 | 1.32 | 1.35 | 1.26 | 1.47 | 1.60 | 1.77 | 1.48 |
EPS Growth | -6.29% | 3.60% | 20.11% | 7.82% | 47.42% | 61.29% | -39.81% | 82.01% | 31.08% | 17.42% | 132.59% | -17.57% | 0.68% | -17.50% | -23.73% | -14.45% | -26.50% | -24.53% | 2.31% | 19.46% |
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 15,901 | 16,193 | 20,559 | 14,973 | 16,245 | 19,457 | 21,629 | 14,711 | 17,934 | 18,632 | 20,021 | 14,259 | 15,643 | 12,706 | 15,303 | 10,294 | 11,962 | 10,682 | 10,541 | 8,337 |
Total Debt Total Debt Growth | 17,025 | 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 |
Net Cash (Debt) Net Cash Growth | -1,124 | -239 | 4,131 | -209 | 1,814 | 3,448 | 4,620 | -751 | 2,302 | 2,995 | 3,888 | -1,723 | 412 | -1,525 | 369 | -3,897 | -2,359 | -1,475 | -2,819 | -6,170 |
Net Cash Growth | - | - | -10.58% | - | -21.20% | 15.13% | 18.83% | - | 458.74% | - | 953.66% | - | - | - | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -3.49 | -0.72 | 11.94 | -0.58 | 4.90 | 9.10 | 11.86 | -1.90 | 5.81 | 7.44 | 9.52 | -4.16 | 0.98 | -3.60 | 0.84 | -8.68 | -5.01 | -2.98 | -5.43 | -11.36 |
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 2,498 | 2,420 | 2,183 | 2,454 | 2,637 | 2,560 | 2,200 | 2,353 | 2,763 | 2,484 | 2,248 | 2,317 | 2,482 | 1,908 | 1,886 | 1,847 | 1,634 | 1,817 | 1,396 | 2,004 |
Free Cash Flow Free Cash Flow Growth | 2,498 | 2,420 | 2,183 | 2,454 | 2,637 | 2,560 | 2,200 | 2,353 | 2,763 | 2,484 | 2,248 | 2,317 | 2,482 | 1,908 | 1,886 | 1,847 | 1,634 | 1,817 | 1,396 | 2,004 |
Free Cash Flow Growth | -5.27% | -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% |
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Profit Margin | 33.86% | 34.33% | 33.18% | 31.05% | 39.48% | 37.82% | 33.05% | 33.62% | 34.64% | 30.88% | 43.99% | 23.13% | 31.10% | 29.25% | 30.91% | 29.97% | 34.84% | 36.90% | 40.58% | 37.02% |
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 0.340 | 0.300 | 0.300 | 0.300 | 0.300 | 0.300 | 0.250 | 0.250 | 0.250 | 0.250 | 0.250 | 0.250 | 0.250 | 0.230 | 0.230 | 0.230 | 0.230 | 0.220 | 0.220 | 0.220 |
Dividend Per Share Growth | 13.33% | 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% |
Dividend Yield | 1.67% | 1.52% | 1.71% | 1.33% | 1.50% | 1.54% | 1.85% | 1.53% | 1.97% | 2.08% | 2.24% | 2.47% | 3.04% | 2.65% | 3.07% | 2.66% | 3.01% | 3.35% | 2.46% | 1.83% |
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 7.12 | 7.45 | 6.72 | 8.66 | 7.57 | 7.93 | 7.14 | 7.39 | 6.35 | 6.42 | 6.07 | 7.20 | 5.48 | 6.04 | 4.81 | 4.98 | 4.23 | 3.80 | 4.44 | 6.08 |
Forward PE | 7.37 | 7.91 | 7.37 | 9.14 | 8.04 | 8.00 | 6.93 | 9.08 | 8.39 | 8.16 | 7.76 | 7.20 | 5.70 | 6.26 | 5.65 | 6.59 | 5.26 | 5.00 | 6.32 | 7.93 |
PS Ratio | 2.36 | 2.58 | 2.39 | 3.08 | 2.74 | 2.77 | 2.36 | 2.70 | 2.19 | 2.16 | 2.02 | 2.06 | 1.66 | 1.89 | 1.60 | 1.78 | 1.58 | 1.53 | 1.91 | 2.68 |