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Synchrony Financial (SYF)

NYSE Financials Consumer Finance S&P 500
$73.74
-0.33 (-0.45%)
Close of Nov 06, 2026 · end-of-day data
Source: Synchrony Financial's 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 06, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Interest expense$1.25B$1.39B$1.87B$2.29B$1.67B$1.03B$1.52B$3.71B——
Pre-tax income$3.57B$3.32B$3.64B$4.89B$1.80B$5.50B$3.96B$2.90B$4.55B$4.62B
Income tax$1.32B$1.39B$854.00M$1.14B$412.00M$1.28B$946.00M$666.00M$1.05B$1.07B
Net income$2.25B$1.94B$2.79B$3.75B$1.39B$4.22B$3.02B$2.24B$3.50B$3.55B
EPS (basic)$2.71$2.43$3.76$5.59$2.28$7.40$6.19$5.21$8.64$9.38
EPS (diluted)$2.71$2.42$3.74$5.56$2.27$7.34$6.15$5.19$8.55$9.28
Diluted shares831.50M799.70M746.90M673.50M590.80M569.30M483.40M423.50M400.60M373.90M

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$9.32B$11.60B$9.40B$12.15B$11.52B$8.34B$10.29B$14.26B$14.71B$14.97B
Goodwill$949.00M$991.00M$1.02B$1.08B$1.08B$1.10B$1.10B$1.02B$1.27B$1.36B
Total assets$90.21B$95.81B$106.79B$104.83B$95.95B$95.75B$104.56B$117.48B$119.46B$119.09B
Long-term debt$20.15B$20.80B$24.00B$19.87B$15.78B$14.51B$14.19B$15.98B$15.46B$15.18B
Total debt$20.15B$20.80B$24.00B$19.87B$15.78B$14.51B$14.19B$15.98B$15.46B$15.18B
Total liabilities$76.01B$81.57B$92.11B$89.74B$83.25B$82.09B$91.69B$103.58B$102.88B$102.33B
Shareholders' equity$14.20B$14.23B$14.68B$15.09B$12.70B$13.65B$12.87B$13.90B$16.58B$16.77B

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$6.51B$8.57B$9.34B$8.99B$7.49B$7.10B$6.69B$8.59B$9.85B$9.85B
Free cash flow$6.51B$8.57B$9.34B$8.99B$7.49B$7.10B$6.69B$8.59B$9.85B$9.85B
Investing cash flow-$13.36B-$9.54B-$19.04B-$261.00M-$498.00M-$4.81B-$10.23B-$14.23B-$8.90B-$4.85B
Financing cash flow$3.81B$3.12B$8.25B-$6.46B-$8.03B-$5.20B$5.28B$9.63B-$611.00M-$4.74B
Dividends paid$214.00M$446.00M$534.00M$581.00M$520.00M$500.00M$434.00M$406.00M$398.00M$427.00M
Share buybacks$476.00M$1.50B$1.87B$3.62B$985.00M$2.88B$3.32B$1.11B$1.01B$2.94B
Depreciation & amortization$219.00M$254.00M$302.00M$367.00M$383.00M$390.00M$419.00M$458.00M$481.00M$514.00M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.