Synchrony Financial
SYF · NYSE
Financial statements
Annual and quarterly income, balance-sheet, cash-flow and key-statistics data.
Income statement
| Period | Revenue | Gross profit | Operating income | Net income | EPS |
|---|---|---|---|---|---|
| 2022 FY | 13.20B | 8.30B | 3.96B | 3.02B | 6.19 |
| 2023 FY | 17.34B | 7.66B | 2.90B | 2.24B | 5.21 |
| 2024 FY | 20.76B | 9.39B | 4.55B | 3.50B | 8.64 |
| 2025 FY | 19.12B | 9.76B | 4.62B | 3.55B | 9.35 |
Balance sheet
| Period | Total assets | Liabilities | Cash | Debt | Equity |
|---|---|---|---|---|---|
| 2022 FY | 104.56B | 91.69B | 10.29B | 14.19B | 12.87B |
| 2023 FY | 117.48B | 103.58B | 14.26B | 15.98B | 13.90B |
| 2024 FY | 119.46B | 102.88B | 14.71B | 15.46B | 16.58B |
| 2025 FY | 119.10B | 102.33B | 14.97B | 15.18B | 16.77B |
Cash flow
| Period | Operating cash flow | Capital expenditure | Free cash flow | Dividends paid | Net cash change |
|---|---|---|---|---|---|
| 2022 FY | 6.69B | — | 6.69B | -476.00M | 1.74B |
| 2023 FY | 8.59B | — | 8.59B | -448.00M | 3.99B |
| 2024 FY | 9.85B | — | 9.85B | -470.00M | 334.00M |
| 2025 FY | 9.85B | — | 9.85B | -510.00M | 262.00M |
Key statistics
| Period | Market cap | Enterprise value | P/E | Price / sales | Debt / equity |
|---|---|---|---|---|---|
| 2022 FY | 15.79B | 19.68B | — | — | — |
| 2023 FY | 16.09B | 17.81B | — | — | — |
| 2024 FY | 25.77B | 26.52B | — | — | — |
| 2025 FY | 29.85B | 30.06B | — | — | — |
| 2026-12-31 | — | — | — | — | — |
| 2027-12-31 | — | — | — | — | — |
| 2028-12-31 | — | — | — | — | — |
Income statement
| Period | Revenue | Gross profit | Operating income | Net income | EPS |
|---|---|---|---|---|---|
| 2025 Q2 | 4.71B | 2.50B | 1.26B | 967.00M | 2.51 |
| 2025 Q3 | 4.83B | 2.68B | 1.43B | 1.08B | 2.89 |
| 2025 Q4 | 4.77B | 2.35B | 952.00M | 751.00M | 2.07 |
| 2026 Q1 | 5.60B | 4.64B | 914.00M | 805.00M | 2.29 |
Balance sheet
| Period | Total assets | Liabilities | Cash | Debt | Equity |
|---|---|---|---|---|---|
| 2025 Q2 | 120.51B | 103.55B | 19.46B | 16.01B | 16.95B |
| 2025 Q3 | 116.98B | 99.92B | 16.25B | 14.43B | 17.07B |
| 2025 Q4 | 119.10B | 102.33B | 14.97B | 15.18B | 16.77B |
| 2026 Q1 | 121.50B | 105.02B | 20.56B | 16.43B | 16.48B |
Cash flow
| Period | Operating cash flow | Capital expenditure | Free cash flow | Dividends paid | Net cash change |
|---|---|---|---|---|---|
| 2025 Q2 | 2.56B | — | 2.56B | -135.00M | -2.50B |
| 2025 Q3 | 2.64B | — | 2.64B | -130.00M | -3.89B |
| 2025 Q4 | 2.45B | — | 2.45B | -127.00M | -1.27B |
| 2026 Q1 | 2.18B | — | 2.18B | -125.00M | 5.59B |
Key statistics
| Period | Market cap | Enterprise value | P/E | Price / sales | Debt / equity |
|---|---|---|---|---|---|
| 2025 Q2 | 25.11B | 21.66B | — | — | — |
| 2025 Q3 | 26.69B | 24.88B | — | — | — |
| 2025 Q4 | 29.85B | 30.06B | — | — | — |
| 2026 Q1 | 23.29B | 19.16B | — | — | — |
| 2026-06-30 | — | — | — | — | — |
| 2026-09-30 | — | — | — | — | — |
| 2026-12-31 | — | — | — | — | — |