SYF

Synchrony Financial

$74.41previous close on: 9/17/2026

Insider Sentiment

Last purchase: —
Last sale: 2026-05-15
Shares purchased (TTM): 0
Shares sold (TTM): 731,524

Buy ratio (TTM)0.0%

Institutional Sentiment

As of: 2026-03-31
Institutional shares owned: 335,245,635
Shares outstanding: 342,400,000
Ownership: 97.91%

+4.34% Y/Y

Earnings Market Reaction

Filing date: 2026-07-23
Price on filing date: —
1-month reaction: Pending
3-month reaction: Pending

Drift continued6/11 (55%)

Faded / reversed5/11 (45%)

Export data

Recent filings

10-Q2026-06-30Filed 2026-07-23
10-Q2026-03-31Filed 2026-04-23
10-K2025-12-31Filed 2026-02-06
10-Q2025-09-30Filed 2025-10-22
10-Q2025-06-30Filed 2025-07-23
10-Q2025-03-31Filed 2025-04-24
10-K2024-12-31Filed 2025-02-07
10-Q2024-09-30Filed 2024-10-23
10-Q2024-06-30Filed 2024-07-19
10-Q2024-03-31Filed 2024-04-25
10-K2023-12-31Filed 2024-02-08
10-Q2023-09-30Filed 2023-10-24

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Balance Sheet

Values in millions ($)

Line item	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Unsecuritized Loans Heldfor Investment	-	-	81,408	-	-	-	83,382	-	-	-	81,554	-
Variable Interest Entity Primary Beneficiary	-	-	22,400	-	-	20,422	21,339	1,048	49	20,091	21,434	134
Consolidated Entity Excluding Variable Interest Entities V I E	1,944	78,423	-	641	-620	79,186	-	-1,139	502	81,642	-	78,470
Cash And Cash Equivalents At Carrying Value	16,193	20,559	14,973	16,245	19,457	21,629	14,711	17,934	18,632	20,021	14,259	15,643
Available For Sale Securities Debt Securities	4,365	3,040	2,348	2,716	2,905	2,724	3,079	2,345	2,693	3,005	3,799	2,882
Notes Receivable Gross	102,208	100,085	103,808	100,178	99,776	99,608	104,721	102,193	102,284	101,733	102,988	97,873
Financing Receivable Allowance For Credit Losses	-10,312	-10,428	-10,442	-10,373	-10,564	-10,828	-10,929	-11,029	-10,982	-10,905	-10,571	-10,176
Assets
Assets	121,930	121,501	119,095	116,984	120,505	122,026	119,463	119,229	120,489	121,173	117,479	112,939
Notes Receivable Net	91,896	89,657	93,366	89,805	89,212	88,780	93,792	91,164	91,302	90,828	92,417	87,697
Loans Receivable Held For Sale Amount	-	-	-	192	191	-	-	-	-	-	-	-
Goodwill	1,363	1,363	1,363	1,274	1,274	1,274	1,274	1,274	1,274	1,073	1,018	1,105
Finite Lived Intangible Assets Net	152	1,223	1,255	909	862	847	854	765	776	800	815	1,169
Other Assets	7,961	5,659	5,790	5,843	6,604	6,772	5,753	5,747	5,812	5,446	4,915	4,443
Assets Of Disposal Group Including Discontinued Operation	-	-	-	-	-	-	0	0	0	0	256	-
Deposits Interest Bearing And Noninterest Bearing Alternative
Interest Bearing Deposit Liabilities	82,376	82,478	80,748	79,513	81,857	83,030	81,664	81,901	82,708	83,160	80,789	77,669
Noninterest Bearing Deposit Liabilities	430	416	396	373	405	405	398	383	392	394	364	397
Deposits	82,806	82,894	81,144	79,886	82,262	83,435	82,062	82,284	83,100	83,554	81,153	78,066
Long Term Debt Noncurrent
Senior Notes	7,516	7,513	6,767	6,765	7,669	8,418	7,620	7,617	8,120	8,117	8,715	8,712
Long Term Debt	16,432	16,428	15,182	14,431	16,009	17,009	15,462	15,632	15,637	16,133	15,982	15,231
Accrued Liabilities And Other Liabilities	5,795	5,702	6,003	5,602	5,282	5,001	5,359	5,333	6,212	6,204	6,334	5,875
Liabilities	105,033	105,024	102,329	99,919	103,553	105,445	102,883	103,249	104,949	105,891	103,576	99,172
Liabilities Of Disposal Group Including Discontinued Operation	-	-	-	-	-	-	0	0	0	0	107	-
Equity
Preferred Stock Value	1,716	1,222	1,222	1,222	1,222	1,222	1,222	1,222	1,222	1,222	734	734
Common Stock Value	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital	9,876	9,844	9,902	9,866	9,836	9,804	9,853	9,822	9,793	9,768	9,775	9,750
Retained Earnings Accumulated Deficit	25,968	25,210	24,598	23,978	23,036	22,209	21,635	20,975	20,310	19,790	18,662	18,338
Accumulated Other Comprehensive Income Loss Net Of Tax
Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax	-21	-12	-6	-8	-12	-15	-23	-13	-34	-34	-33	-62
Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax	-57	-52	-50	-45	-40	-45	-44	-39	-42	-38	-38	-39
Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax	7	8	8	7	7	7	8	2	3	3	3	5
Treasury Stock Value	-20,593	-19,744	-18,909	-17,956	-17,098	-16,602	-16,072	-15,990	-15,713	-15,430	-15,201	-14,960
Stockholders Equity	16,897	16,477	16,766	17,065	16,952	16,581	16,580	15,980	15,540	15,282	13,903	13,767
Liabilities And Stockholders Equity	121,930	121,501	119,095	116,984	120,505	122,026	119,463	119,229	120,489	121,173	117,479	112,939
Preferred Stock Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Liquidation Preference Value	-	-	-	1,250	1,250	1,250	1,250	1,250	1,250	1,250	1,250	750
Preferred Stock Par Or Stated Value Per Share	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Preferred Stock Shares Authorized	0	0	0	1	1	1	0	1	1	1	1	1
Common Stock Par Or Stated Value Per Share	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Common Stock Shares Authorized	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000
Common Stock Shares Issued	834	834	834	834	834	834	834	834	834	834	834	834
Shares Outstanding	325	337	347	360	372	381	388	389	395	401	407	414
Treasury Stock Common Shares	509	497	487	474	462	453	446	445	439	433	427	420

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Recent filings

10-Q2026-06-30Filed 2026-07-23
10-Q2026-03-31Filed 2026-04-23
10-K2025-12-31Filed 2026-02-06
10-Q2025-09-30Filed 2025-10-22
10-Q2025-06-30Filed 2025-07-23
10-Q2025-03-31Filed 2025-04-24
10-K2024-12-31Filed 2025-02-07
10-Q2024-09-30Filed 2024-10-23
10-Q2024-06-30Filed 2024-07-19
10-Q2024-03-31Filed 2024-04-25
10-K2023-12-31Filed 2024-02-08
10-Q2023-09-30Filed 2023-10-24

Financial statements beyond 3 years are for subscribers only.

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Synchrony Financial (SYF) — SEC Financial Statements & Analysis

Synchrony Financial (SYF) is a finance services company, incorporated in NY. Synchrony Financial trades on NYSE as: SYF, SYF-PA, SYF-PB. Synchrony Financial (SYF)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-07-23. Based on that filing, Synchrony Financial carries a market cap of $25.09B, a P/E ratio of 7.09x, a P/B ratio of 1.48x, a P/S ratio of 1.11x, an enterprise value of $24.28B, and an EV/EBITDA multiple of -1.79x. On profitability, it posts a gross margin of 82.66%, an operating margin of 20.37%, a net margin of 15.62%, a Return on Equity (ROE) of 20.91%, and a Return on Invested Capital (ROIC) of -72.15%. Per share, it reports EPS of $10.68, diluted EPS of $10.59, free cash flow per share of $28.77, and a dividend per share of $1.27. Over the trailing year, it posted revenue growth of 0.09% year-over-year, net income growth of 10.87% year-over-year, and EPS growth of 25.90% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.75x, free cash flow of $9.53B (TTM), and net debt of $-808.00M. Figures sourced from SEC EDGAR.

Market Cap: $25.09B
P/E TTM: 7.09x
EPS TTM: $10.68
P/B TTM: 1.48x
ROE TTM: 20.91%
Free Cash Flow TTM: $9.53B
Net Revenue TTM Growth 1Y: 0.09%

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Synchrony Financial in?

Synchrony Financial (SYF) operates in the Finance Services industry.

What exchange does SYF trade on?

Synchrony Financial (SYF) trades on the NYSE.

Where is Synchrony Financial incorporated?

Synchrony Financial is incorporated in NY.

When was Synchrony Financial (SYF)'s most recent SEC filing?

Synchrony Financial (SYF)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-07-23.

What is SYF's market cap?

Synchrony Financial (SYF) has a market capitalization of $25.09B as of 2026-06-30.

What is SYF's P/E ratio?

Synchrony Financial (SYF)'s trailing twelve month P/E ratio is 7.09x as of 2026-06-30.

What is SYF's EPS (earnings per share)?

Synchrony Financial (SYF)'s trailing twelve month EPS is $10.68 as of 2026-06-30.

What is SYF's ROE (return on equity)?

Synchrony Financial (SYF)'s trailing twelve month Return on Equity (ROE) is 20.91% as of 2026-06-30.

What is SYF's ROIC (return on invested capital)?

Synchrony Financial (SYF)'s trailing twelve month Return on Invested Capital (ROIC) is -72.15% as of 2026-06-30.

What is SYF's EV/EBITDA?

Synchrony Financial (SYF)'s trailing twelve month EV/EBITDA is -1.79x as of 2026-06-30.

GeminIQ Research & Analysis

August 16, 2026Companies Reducing Share Count: The Decade's Real CannibalsCompanies reducing share count over the last decade are rare: across 2,076 firms with a full 10-K history, the median company's diluted share count rose 2.2%. This ranking names the real cannibals from as-filed SEC data.

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SYF

Company Information

Insider Sentiment

Institutional Sentiment

Earnings Market Reaction

Recent filings

Recent filings

Synchrony Financial (SYF) — SEC Financial Statements & Analysis

Frequently Asked Questions

GeminIQ Research & Analysis

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Main Street's price.