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 Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Quarter | 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 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | 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 | Sep '21 Sep 30, 2021 |
Net Interest Income | 3,581 | 3,565 | 3,667 | 3,696 | 3,529 | 3,569 | 3,673 | 3,695 | 3,595 | 3,641 | 3,588 | 3,383 | 3,233 | 3,134 | 3,063 | 2,871 | 2,675 | 2,685 | 2,563 | 2,392 |
Net Interest Income Growth (YoY) | 1.47% | -0.11% | -0.16% | 0.03% | -1.84% | -1.98% | 2.37% | 9.22% | 11.20% | 16.18% | 17.14% | 17.83% | 20.86% | 16.72% | 19.51% | 20.03% | 16.00% | 9.59% | -1.88% | -6.49% |
Non-Interest Income | 137 | 133 | 126 | 127 | 118 | 149 | 128 | 119 | 116 | 1,157 | 71 | 92 | 61 | 65 | 30 | 44 | 198 | 108 | 167 | 94 |
Non-Interest Income Growth (YoY) | 16.10% | -10.74% | -1.56% | 6.72% | 1.72% | -87.12% | 80.28% | 29.35% | 90.16% | 1680.00% | 136.67% | 109.09% | -69.19% | -39.81% | -82.04% | -53.19% | 122.47% | -17.56% | 103.66% | -28.24% |
Revenues Before Loan Losses | 3,718 | 3,698 | 3,793 | 3,823 | 3,647 | 3,718 | 3,801 | 3,814 | 3,711 | 4,798 | 3,659 | 3,475 | 3,294 | 3,199 | 3,093 | 2,915 | 2,873 | 2,793 | 2,730 | 2,486 |
Provision for Credit Losses | 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 | 25 |
| 2,517 | 2,363 | 2,351 | 2,677 | 2,501 | 2,227 | 2,240 | 2,217 | 2,020 | 2,914 | 1,855 | 1,987 | 1,911 | 1,909 | 1,892 | 1,986 | 2,149 | 2,272 | 2,169 | 2,461 | |
Revenue Growth (YoY) | 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% |
Compensation Expenses | 516 | 515 | 575 | 503 | 509 | 506 | 478 | 464 | 434 | 496 | 538 | 444 | 451 | 451 | 459 | 416 | 404 | 402 | 409 | 369 |
Selling, General & Admin | 605 | 585 | 630 | 586 | 578 | 552 | 603 | 557 | 574 | 531 | 556 | 521 | 521 | 483 | 519 | 469 | 483 | 471 | 517 | 445 |
Other Non-Interest Expenses | 210 | 216 | 194 | 159 | 158 | 185 | 186 | 168 | 171 | 179 | 222 | 189 | 197 | 185 | 173 | 179 | 196 | 166 | 196 | 147 |
Total Non-Interest Expense | 1,331 | 1,316 | 1,399 | 1,248 | 1,245 | 1,243 | 1,267 | 1,189 | 1,177 | 1,206 | 1,316 | 1,154 | 1,169 | 1,119 | 1,151 | 1,064 | 1,083 | 1,039 | 1,122 | 961 |
Pretax Income | 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 | 1,500 |
Provision for Income Taxes | 301 | 242 | 201 | 352 | 289 | 227 | 199 | 239 | 201 | 415 | 99 | 205 | 173 | 189 | 164 | 219 | 262 | 301 | 234 | 359 |
Net Income | 885 | 805 | 751 | 1,077 | 967 | 757 | 774 | 789 | 643 | 1,293 | 440 | 628 | 569 | 601 | 577 | 703 | 804 | 932 | 813 | 1,141 |
Net Income to Common | 864 | 784 | 730 | 1,057 | 946 | 736 | 753 | 768 | 624 | 1,282 | 429 | 618 | 559 | 590 | 567 | 692 | 793 | 922 | 803 | 1,130 |
Net Income Growth (YoY) | -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% | 272.94% |
Shares Outstanding (Basic) | 331 | 342 | 353 | 366 | 376 | 385 | 389 | 392 | 399 | 405 | 412 | 416 | 423 | 434 | 446 | 469 | 493 | 515 | 538 | 561 |
Shares Outstanding (Diluted) | 334 | 346 | 358 | 370 | 379 | 389 | 395 | 397 | 403 | 408 | 415 | 418 | 424 | 437 | 449 | 471 | 495 | 520 | 543 | 566 |
Shares Change (YoY) | -11.87% | -11.14% | -9.42% | -6.71% | -5.84% | -4.61% | -4.78% | -5.23% | -5.09% | -6.63% | -7.64% | -11.11% | -14.36% | -15.84% | -17.33% | -16.78% | -14.85% | -11.57% | -7.43% | -3.28% |
EPS (Basic) | 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 | 2.02 |
EPS (Diluted) | 2.59 | 2.27 | 2.04 | 2.86 | 2.50 | 1.89 | 1.91 | 1.94 | 1.55 | 3.14 | 1.03 | 1.48 | 1.32 | 1.35 | 1.26 | 1.47 | 1.60 | 1.77 | 1.48 | 2.00 |
EPS Growth (YoY) | 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% |
Free Cash Flow | 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 | 1,815 |
Free Cash Flow Growth (YoY) | -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% |
Free Cash Flow Per Share | 7.24 | 6.31 | 6.86 | 7.13 | 6.75 | 5.65 | 5.96 | 6.97 | 6.17 | 5.51 | 5.59 | 5.93 | 4.50 | 4.31 | 4.11 | 3.47 | 3.67 | 2.69 | 3.69 | 3.21 |
Dividends Per Share | 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 | 0.220 |
Dividend Growth (YoY) | 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% |
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% |
Effective Tax Rate | 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% | 23.93% |