Synchrony Financial (SYF)

Synchrony Financial Income Statement

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

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 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021
Interest Income on Loans	5,591	5,380	5,413	5,548	5,510	5,328	5,312	5,480	5,522	5,301	5,293	5,323	5,151	4,812	4,616	4,576	4,258	4,039	4,008	4,042
Interest Income on Investments	197	203	190	186	221	258	238	230	263	281	275	226	203	209	170	132	84	35	14	11
Total Interest Income	5,788	5,583	5,603	5,734	5,731	5,586	5,550	5,710	5,785	5,582	5,568	5,549	5,354	5,021	4,786	4,708	4,342	4,074	4,022	4,053
Interest Paid on Deposits	767	767	770	781	812	855	882	917	968	967	954	878	800	717	557	441	280	160	127	119
Interest Paid on Borrowings	212	208	198	192	199	210	204	201	208	210	209	205	192	184	178	161	134	112	106	104
Total Interest Expense	979	975	968	973	1,011	1,065	1,086	1,118	1,176	1,177	1,163	1,083	992	901	735	602	414	272	233	223
Net Interest Income	4,809	4,608	4,635	4,761	4,720	4,521	4,464	4,592	4,609	4,405	4,405	4,466	4,362	4,120	4,051	4,106	3,928	3,802	3,789	3,830
Net Interest Income Growth (YoY)	1.89%	1.92%	3.83%	3.68%	2.41%	2.63%	1.34%	2.82%	5.66%	6.92%	8.74%	8.77%	11.05%	8.36%	6.92%	7.21%	7.38%	14.79%	10.18%	4.67%
Gain (Loss) on Sale of Assets	-	-	-	-	-	-	-	-	-	-	1,100	-	-	-	-	-	-	-	-	-
Other Non-Interest Income	-991	-890	-937	-968	-897	-874	-746	-791	-795	-693	-707	-807	-887	-826	-852	-1,013	-1,013	-929	-996	-1,100
Total Non-Interest Income	-991	-890	-937	-968	-897	-874	-746	-791	-795	-693	393	-807	-887	-826	-852	-1,013	-1,013	-929	-996	-1,100
Non-Interest Income Growth (YoY)	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Revenues Before Loan Losses	3,818	3,718	3,698	3,793	3,823	3,647	3,718	3,801	3,814	3,712	4,798	3,659	3,475	3,294	3,199	3,093	2,915	2,873	2,793	2,730
Provision for Loan Losses	1,266	1,201	1,335	1,442	1,146	1,146	1,491	1,561	1,597	1,691	1,884	1,804	1,488	1,383	1,290	1,201	929	724	521	561
Revenue	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 (YoY)	-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%
Salaries and Employee Benefits	507	516	515	575	503	509	506	478	464	434	496	495	444	451	451	459	416	404	402	409
Selling, General & Administrative	631	605	585	630	586	578	552	603	557	572	531	556	521	521	483	519	469	483	471	517
Other Non-Interest Expense	142	132	128	5	116	124	144	-6	168	171	179	-66	189	197	185	-	179	196	166	92
Total Non-Interest Expense	1,280	1,253	1,228	1,210	1,205	1,211	1,202	1,075	1,189	1,177	1,206	985	1,154	1,169	1,119	978	1,064	1,083	1,039	1,018
EBT Excluding Unusual Items	1,272	1,264	1,135	1,141	1,472	1,290	1,025	1,165	1,028	844	1,708	870	833	742	790	914	922	1,066	1,233	1,151
Other Unusual Items	-91	-78	-88	-189	-43	-34	-41	-192	-	-	-	-288	-	-	-	-173	-	-	-	-104
Pretax Income	1,181	1,186	1,047	952	1,429	1,256	984	973	1,028	844	1,708	539	833	742	790	741	922	1,066	1,233	1,047
Income Tax Expense	289	301	242	201	352	289	227	199	239	201	415	99	205	173	189	164	219	262	301	234
Net Income	892	885	805	751	1,077	967	757	774	789	643	1,293	440	628	569	601	577	703	804	932	813
Preferred Dividends & Other Adjustments	28	21	21	21	20	21	21	21	21	19	11	11	10	10	11	10	11	11	10	10
Net Income to Common	864	864	784	730	1,057	946	736	753	768	624	1,282	429	618	559	590	567	692	793	922	803
Net Income Growth (YoY)	-18.26%	-8.67%	6.52%	-3.05%	37.63%	51.60%	-42.59%	75.52%	24.27%	11.63%	117.29%	-24.34%	-10.69%	-29.51%	-36.01%	-29.39%	-38.76%	-35.63%	-9.07%	10.30%
Basic Shares Outstanding	319	331	342	353	366	376	385	390	392	399	405	412	416	423	434	446	469	493	515	538
Diluted Shares Outstanding	322	334	346	357	370	379	389	395	397	403	408	415	418	424	437	449	471	495	520	543
Shares Change (YoY)	-12.84%	-11.87%	-11.14%	-9.56%	-6.71%	-5.84%	-4.61%	-4.68%	-5.23%	-5.09%	-6.63%	-7.64%	-11.11%	-14.36%	-15.84%	-17.33%	-16.78%	-14.85%	-11.57%	-7.43%
EPS (Basic)	2.71	2.61	2.29	2.07	2.89	2.51	1.91	1.93	1.96	1.56	3.17	1.04	1.49	1.32	1.36	1.27	1.48	1.61	1.79	1.49
EPS (Diluted)	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 (YoY)	-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%

Additional Metrics

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 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021
Dividend Per Share	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 Growth (YoY)	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%
Effective Tax Rate	24.47%	25.38%	23.11%	21.11%	24.63%	23.01%	23.07%	20.45%	23.25%	23.82%	24.30%	18.37%	24.61%	23.32%	23.92%	22.13%	23.75%	24.58%	24.41%	22.35%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 5, 2026

Data Sources Report a data error