Synchrony Financial SYF

Financials SIC 6199 - Finance Services NAICS Finance and Insurance › Securities, Commodity Contracts, and Other Financial Investments and Related Activities › Other Financial Investment Activities derived NYSE

Last close 73.64 2026-10-23
Market cap $23.96B 2026-06-30 share count
52-week range 63.08 - 88.77

Valuation FY2025 figures against the last close

P/S—
P/E7.9x
P/FCF2.4x
EV/EBITDA—
Dividend yield1.8%
Diluted EPS9.28

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 9.388.645.216.197.402.285.593.762.432.71
EPS, diluted 9.288.555.196.157.342.275.563.742.422.71
Shares, diluted (wtd. avg.) 373.9M400.6M423.5M483.4M569.3M590.8M673.5M746.9M799.7M831.5M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 2B 4B 6B Net income, FY2016: 2.3B Net income, FY2017: 1.9B Net income, FY2018: 2.8B Net income, FY2019: 3.7B Net income, FY2020: 1.4B Net income, FY2021: 4.2B Net income, FY2022: 3B Net income, FY2023: 2.2B Net income, FY2024: 3.5B Net income, FY2025: 3.6B FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — — — — — — — — — —
Gross profit — — — — — — — — — —
Net income $2.25B $1.94B $2.79B $3.75B $1.39B $4.22B $3.02B $2.24B $3.50B $3.55B

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Regulation FD disclosure Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Item 7.01
  • Shareholder rights changed The terms attaching to the shares themselves have changed. Item 3.03
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03
  • Other event Item 8.01
  • Regulation FD disclosure Item 7.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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