Synchrony Financial SYF
Last close
79.92
2026-09-04
Market cap
$26.00B
2026-06-30 share count
52-week range
63.08 - 88.77
Valuation FY2025 figures against the last close
P/S—
P/E8.6x
P/FCF2.6x
EV/EBITDA—
Dividend yield1.6%
Diluted EPS9.28
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest expense | $18.47B | $18.01B | $17.00B | $15.62B | $1.03B | $1.67B | $2.29B | $1.87B | $1.39B | $1.25B |
| Pre-tax income | $4.62B | $4.55B | $2.90B | $3.96B | $5.50B | $1.80B | $4.89B | $3.64B | $3.32B | $3.57B |
| Income tax | $1.07B | $1.05B | $666.0M | $946.0M | $1.28B | $412.0M | $1.14B | $854.0M | $1.39B | $1.32B |
| Net income | $3.55B | $3.50B | $2.24B | $3.02B | $4.22B | $1.39B | $3.75B | $2.79B | $1.94B | $2.25B |
| EPS, basic | 9.38 | 8.64 | 5.21 | 6.19 | 7.40 | 2.28 | 5.59 | 3.76 | 2.43 | 2.71 |
| EPS, diluted | 9.28 | 8.55 | 5.19 | 6.15 | 7.34 | 2.27 | 5.56 | 3.74 | 2.42 | 2.71 |
| Shares, diluted (wtd. avg.) | $373.9M | $400.6M | $423.5M | $483.4M | $569.3M | $590.8M | $673.5M | $746.9M | $799.7M | $831.5M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $14.97B | $14.71B | $14.26B | $10.43B | $8.69B | $11.61B | $12.65B | $10.38B | $11.82B | $9.67B |
| Goodwill | $1.36B | $1.27B | $1.02B | $1.10B | $1.10B | $1.08B | $1.08B | $1.02B | $991.0M | $949.0M |
| Other intangibles | $1.25B | $854.0M | $815.0M | $742.0M | $1.17B | $1.12B | $1.26B | $1.14B | $749.0M | $712.0M |
| Total assets | $119.09B | $119.46B | $117.48B | $104.56B | $95.75B | $95.95B | $104.83B | $106.79B | $95.81B | $90.21B |
| Long-term debt | $15.18B | $15.46B | $15.98B | $14.19B | $14.51B | $15.78B | $19.87B | $24.00B | $20.80B | $20.15B |
| Total liabilities | $102.33B | $102.88B | $103.58B | $91.69B | $82.09B | $83.25B | $89.74B | $92.11B | $81.57B | $76.01B |
| Retained earnings | $24.60B | $21.64B | $18.66B | $16.72B | $14.24B | $10.62B | $12.12B | $8.99B | $6.81B | $5.33B |
| Total equity | $16.77B | $16.58B | $13.90B | $12.87B | $13.65B | $12.70B | $15.09B | $14.68B | $14.23B | $14.20B |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $9.85B | $9.85B | $8.59B | $6.69B | $7.10B | $7.49B | $8.99B | $9.34B | $8.57B | $6.51B |
| Depreciation and amortisation | $514.0M | $481.0M | $458.0M | $419.0M | $390.0M | $383.0M | $367.0M | $302.0M | $254.0M | $219.0M |
| Investing cash flow | -$4.85B | -$8.90B | -$14.23B | -$10.23B | -$4.81B | -$498.0M | -$261.0M | -$19.04B | -$9.54B | -$13.36B |
| Financing cash flow | -$4.74B | -$611.0M | $9.63B | $5.28B | -$5.20B | -$8.03B | -$6.46B | $8.25B | $3.12B | $3.81B |
| Dividends paid | $427.0M | $398.0M | $406.0M | $434.0M | $500.0M | $520.0M | $581.0M | $534.0M | $446.0M | $214.0M |
| Buybacks | $2.94B | $1.01B | $1.11B | $3.32B | $2.88B | $985.0M | $3.62B | $1.87B | $1.50B | $476.0M |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001601712-26-000006.
Others in SIC 6199
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