Synchrony Financial (SYF)
NYSE: SYF · Real-Time Price · USD
75.35
-1.62 (-2.10%)
At close: Oct 30, 2026, 4:00 PM EDT
75.39
+0.04 (0.05%)
After-hours: Oct 30, 2026, 7:30 PM EDT
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 | Sep '26 Sep 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 |
Interest Income on Loans | 21,932 | 21,698 | 21,596 | 19,902 | 16,881 | 15,228 |
Interest Income on Investments | 776 | 903 | 1,049 | 808 | 265 | 43 |
Total Interest Income | 22,708 | 22,601 | 22,645 | 20,710 | 17,146 | 15,271 |
Interest Paid on Deposits | 3,085 | 3,330 | 3,806 | 2,952 | 1,008 | 566 |
Interest Paid on Borrowings | 810 | 805 | 828 | 759 | 513 | 466 |
Total Interest Expense | 3,895 | 4,135 | 4,634 | 3,711 | 1,521 | 1,032 |
Net Interest Income | 18,813 | 18,466 | 18,011 | 16,999 | 15,625 | 14,239 |
Net Interest Income Growth | 2.82% | 2.53% | 5.95% | 8.79% | 9.73% | -1.13% |
Gain (Loss) on Sale of Assets | - | - | 1,069 | - | - | - |
Other Non-Interest Income | -3,786 | -3,485 | -2,955 | -3,372 | -3,951 | -4,047 |
Total Non-Interest Income | -3,786 | -3,485 | -1,886 | -3,372 | -3,951 | -4,047 |
Non-Interest Income Growth | - | - | - | - | - | - |
Revenues Before Loan Losses | 15,027 | 14,981 | 16,125 | 13,627 | 11,674 | 10,192 |
Provision for Loan Losses | 5,244 | 5,225 | 6,733 | 5,965 | 3,375 | 726 |
| 9,783 | 9,756 | 9,392 | 7,662 | 8,299 | 9,466 | |
Revenue Growth | 1.43% | 3.88% | 22.58% | -7.68% | -12.33% | 61.76% |
Salaries and Employee Benefits | 2,113 | 2,093 | 1,872 | 1,884 | 1,681 | 1,501 |
Selling, General & Administrative | 2,451 | 2,346 | 2,263 | 2,081 | 1,942 | 1,818 |
Other Non-Interest Expense | 524 | 507 | 512 | 505 | 541 | 540 |
Total Non-Interest Expense | 5,088 | 4,946 | 4,647 | 4,470 | 4,164 | 3,859 |
EBT Excluding Unusual Items | 4,695 | 4,810 | 4,745 | 3,192 | 4,135 | 5,607 |
Other Unusual Items | -329 | -189 | -192 | -288 | -173 | -104 |
Pretax Income | 4,366 | 4,621 | 4,553 | 2,904 | 3,962 | 5,503 |
Income Tax Expense | 1,033 | 1,069 | 1,054 | 666 | 946 | 1,282 |
Net Income | 3,333 | 3,552 | 3,499 | 2,238 | 3,016 | 4,221 |
Preferred Dividends & Other Adjustments | 91 | 83 | 72 | 42 | 42 | 42 |
Net Income to Common | 3,242 | 3,469 | 3,427 | 2,196 | 2,974 | 4,179 |
Net Income Growth | -7.16% | 1.23% | 56.06% | -26.16% | -28.84% | 211.17% |
Basic Shares Outstanding | 336 | 370 | 397 | 421 | 480 | 565 |
Diluted Shares Outstanding | 340 | 374 | 401 | 424 | 483 | 569 |
Shares Change | -11.33% | -6.67% | -5.41% | -12.39% | -15.09% | -3.64% |
EPS (Basic) | 9.64 | 9.38 | 8.64 | 5.21 | 6.19 | 7.40 |
EPS (Diluted) | 9.54 | 9.28 | 8.55 | 5.19 | 6.15 | 7.34 |
EPS Growth | 4.84% | 8.54% | 64.74% | -15.61% | -16.21% | 223.35% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Dividend Per Share | 1.240 | 1.150 | 1.000 | 0.960 | 0.900 | 0.880 |
Dividend Growth | 12.73% | 15.00% | 4.17% | 6.67% | 2.27% | 0% |
Effective Tax Rate | 23.66% | 23.13% | 23.15% | 22.93% | 23.88% | 23.30% |