SYFNYSEFinance ServicesFiscal year ends December 31Also trades as SYF.PA, SYF.PB

Synchrony Financial

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 22, 2026

$74.24+0.56 (+0.76%)

Close on Oct 19, 2026

Market cap: $24.80B
P/E (TTM): 7.6
Dividend yield: 1.55%

Synchrony Financial income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31
Revenue	18,986	19,532	17,288	16,005	14,720	14,807	17,170	16,383	15,304	13,874	12,485	11,805	11,071	10,048
Interest Expense	–	–	3,711	1,521	1,032	1,665	2,291	1,870	1,391	1,248	1,135	922	742	745
Merger & Restructuring Charges	–	–	–	–	–	87	–	–	–	–	–	–	–	–
Gain (Loss) on Sale of Assets	0	1,069	0	0	–	–	–	–	–	–	–	–	–	–
Pretax Income	4,621	4,553	2,904	3,962	5,503	1,797	4,887	3,644	3,324	3,570	3,531	3,386	3,142	3,376
Income Tax Expense	1,069	1,054	666	946	1,282	412	1,140	854	1,389	1,319	1,317	1,277	1,163	1,257
Net Income	3,552	3,499	2,238	3,016	4,221	1,385	3,747	2,790	1,935	2,251	2,214	2,109	1,979	2,119
Preferred Dividends	83	72	42	42	42	42	0	0	–	–	–	–	–	–
Net Income to Common	3,469	3,427	2,196	2,974	4,179	1,343	3,747	2,790	1,935	–	–	–	–	–
EPS (Basic)(per share)	9.38	8.64	5.21	6.19	7.40	2.28	5.59	3.76	2.43	2.71	2.66	2.78	2.81	3.00
EPS (Diluted)(per share)	9.28	8.55	5.19	6.15	7.34	2.27	5.56	3.74	2.42	2.71	2.65	2.78	2.81	3.00
Shares Outstanding (Basic, Weighted)(shares)	370	397	421	480	565	589	670	742	796	829	834	757	705	705
Shares Outstanding (Diluted, Weighted)(shares)	374	401	424	483	569	591	674	747	800	832	836	758	705	705
Dividend per Share(per share)	1.15	1.00	0.96	0.90	0.88	0.88	0.86	0.72	0.56	0.26	0.00	0.00	–	–
Net Interest Income	18,466	18,011	16,999	15,625	14,239	14,402	16,799	16,118	15,016	13,530	12,093	11,320	10,571	9,564
Non-Interest Income	520	1,521	289	380	481	405	371	265	288	344	392	485	500	484
Provision for Credit Losses	5,225	6,733	5,965	3,375	726	5,310	4,180	5,545	5,296	3,986	2,952	2,917	3,072	2,565
Non-Interest Expense	5,135	4,839	4,758	4,337	3,963	4,055	4,245	4,095	3,747	3,416	3,264	2,927	2,484	2,123

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 18.3%
Return on equity, FY2025: 21.3%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 7.6
Price to sales: 1.29
Price to book: 1.47
Dividend yield: 1.55%