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Synchrony Financial (SYF) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · Consumer Finance · DATA UPDATED 2026-09-19

Synchrony Financial (SYF) operates in the Consumer Finance industry and is headquartered in Stamford, United States with about 20,000 employees. Its market capitalization is roughly $24 billion. In the fiscal year ended 2025-12-31, SYF reported $19.1B in revenue and $3.6B in net income.

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans.

Interactive charts & full statements → Open the SYF valuation workbench →

SYF Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-03-31	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31
Total Revenue	$19.9B	$19.1B	$20.8B	$17.3B	$13.2B	$11.2B	$12.8B	$15.6B	$15.2B	$13.8B	$12.2B	$10.9B	$10.2B	$9.4B	$8.8B	$8.2B
Gross Profit	$12.2B	$9.8B	$9.4B	$7.7B	$8.3B	$9.5B	$5.9B	$9.1B	$7.7B	$7.1B	$7.0B	$6.8B	$6.3B	$5.6B	$5.5B	$5.0B
Gross Margin %	61.1%	51.0%	45.2%	44.2%	62.9%	84.3%	45.6%	58.5%	51.1%	51.4%	57.2%	62.4%	62.2%	59.6%	62.4%	61.1%
Operating Income (EBIT)	$4.6B	$4.6B	$4.6B	$2.9B	$4.0B	$5.5B	$1.8B	$4.9B	$3.6B	$3.3B	$3.6B	$3.5B	$3.4B	$3.1B	$3.4B	$3.0B
Operating Margin %	22.9%	24.2%	21.9%	16.8%	30.0%	49.0%	14.0%	31.3%	24.1%	24.2%	29.2%	32.5%	33.4%	33.3%	38.3%	36.7%
Net Income	$3.6B	$3.6B	$3.5B	$2.2B	$3.0B	$4.2B	$1.4B	$3.7B	$2.8B	$1.9B	$2.3B	$2.2B	$2.1B	$2.0B	$2.1B	$1.9B
Net Margin %	18.1%	18.6%	16.9%	12.9%	22.9%	37.6%	10.8%	24.0%	18.4%	14.1%	18.4%	20.3%	20.8%	21.0%	24.1%	23.0%
EBITDA	$5.1B	$5.1B	$5.0B	$3.4B	$4.4B	$5.9B	$2.2B	$5.3B	$3.9B	$3.6B	$3.8B	$3.7B	$3.5B	$3.2B	$3.5B	$3.1B
Earnings Per Share (EPS)	$9.81	$9.93	$8.73	$5.50	$6.24	$8.01	$2.37	$5.56	$3.74	$2.42	$2.71	$2.65	$2.78	$2.38	$2.55	$2.28
Shares Outstanding (M)	346M	358M	401M	407M	483M	527M	584M	674M	747M	800M	832M	836M	758M	831M	831M	831M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

SYF Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Total Revenue	$5.6B	$4.8B	$4.8B	$4.7B	$4.8B	$4.9B	$5.0B	$4.9B
Gross Profit	$4.6B	$2.4B	$2.7B	$2.5B	$2.2B	$2.2B	$2.2B	$2.0B
Gross Margin %	82.7%	49.3%	55.4%	53.1%	46.4%	45.5%	44.4%	41.3%
Operating Income (EBIT)	$914M	$952M	$1.4B	$1.3B	$984M	$973M	$1.0B	$844M
Operating Margin %	16.3%	20.0%	29.6%	26.7%	20.5%	19.8%	20.6%	17.3%
Net Income	$805M	$751M	$1.1B	$967M	$757M	$774M	$789M	$643M
Net Margin %	14.4%	15.8%	22.3%	20.5%	15.8%	15.7%	15.8%	13.2%
EBITDA	$1.1B	$1.1B	$1.6B	$1.4B	$1.1B	$1.1B	$1.1B	$965M
Earnings Per Share (EPS)	$2.33	$2.10	$2.84	$2.55	$1.94	$1.96	$1.99	$1.60
Shares Outstanding (M)	346M	358M	379M	379M	389M	395M	396M	403M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

SYF Free Cash Flow History

Cash flow	TTM → 2026-03-31	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31
Cash from Operations (CFO)	$9.8B	$9.9B	$9.8B	$8.6B	$6.7B	$7.1B	$7.5B	$9.0B	$9.3B	$8.9B	$6.8B	$6.2B	$5.3B	$5.7B	$5.6B	$5.5B
Capital Expenditures (CapEx)	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$7.3B	$0M	$4.7B
Free Cash Flow (FCF)	$9.8B	$9.9B	$9.8B	$8.6B	$6.7B	$7.1B	$7.5B	$9.0B	$9.3B	$8.9B	$6.8B	$6.2B	$5.3B	($1.6B)	$5.6B	$838M
FCF Margin %	49.4%	51.5%	47.4%	49.6%	50.7%	63.2%	58.4%	57.6%	61.7%	64.8%	55.8%	56.8%	52.6%	-16.9%	64.0%	10.2%
Dividends Paid	$517M	$510M	$470M	$448M	$476M	$542M	$562M	$581M	$534M	$446M	$214M	$214M	$214M	—	—	—

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

SYF Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Cash from Operations (CFO)	$2.4B	$2.2B	$2.5B	$2.6B	$2.6B	$2.2B	$2.4B	$2.8B	$2.5B
Free Cash Flow (FCF)	$2.4B	$2.2B	$2.5B	$2.6B	$2.6B	$2.2B	$2.4B	$2.8B	$2.5B
FCF Margin %	—	39.0%	51.5%	54.5%	54.3%	45.8%	47.8%	55.4%	50.8%
Dividends Paid	—	$125M	$127M	$130M	$135M	$118M	$118M	$120M	$119M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

SYF Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31
Total Assets	$121.9B	$119.1B	$119.5B	$117.5B	$104.6B	$95.7B	$95.9B	$104.8B	$106.8B	$95.8B	$90.2B	$84.0B	$75.7B	$59.1B	$53.5B
Cash & Cash Equivalents	$16.2B	$15.0B	$14.7B	$14.3B	$10.3B	$8.3B	$11.5B	$12.1B	$9.4B	$11.6B	$9.3B	$12.3B	$11.8B	$2.3B	$1.3B
Total Liabilities	$105.0B	$102.3B	$102.9B	$103.6B	$91.7B	$82.1B	$83.2B	$89.7B	$92.1B	$81.6B	$76.0B	$71.4B	$65.2B	$53.1B	$48.9B
Total Debt (Short + Long-Term)	$16.4B	$15.2B	$21.1B	$20.2B	$21.5B	$15.0B	$20.6B	$24.1B	$24.0B	$41.6B	$40.3B	$28.4B	$39.3B	$19.2B	$27.7B
Total Shareholders' Equity	$16.9B	$16.8B	$16.6B	$13.9B	$12.9B	$13.7B	$12.7B	$15.1B	$14.7B	$14.2B	$14.2B	$12.6B	$10.5B	$6.0B	$4.6B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive SYF viewer.

SYF Metric Deep Dives

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