GeminIQ Website Logo

Viewing SYF free

Subscribe for full history, 50+ metrics, screener, watchlist...

Synchrony Financial

SYF

Companies in Finance Services

Subscribe to unlock 17+ years of data

Financial Statements

Values in Millions ($)
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
Subscriber-only columnSubscriber-only columnSubscriber-only columnSubscriber-only column

Data beyond 3 years is for subscribers only.

Unlock 17+ years of financial data

Start 7-day free trial
Subscriber-only column
Unsecuritized Loans Heldfor Investment
--81,408---83,382---81,554-
Variable Interest Entity Primary Beneficiary
--22,400--20,42221,3391,0484920,09121,434134
Consolidated Entity Excluding Variable Interest En…
-78,423-641-62079,186--1,13950281,642-78,470
Cash And Cash Equivalents At Carrying Value
16,19320,55914,97316,24519,45721,62914,71117,93418,63220,02114,25915,643
Available For Sale Securities Debt Securities
4,3653,0402,3482,7162,9052,7243,0792,3452,6933,0053,7992,882
Notes Receivable Gross
102,208100,085103,808100,17899,77699,608104,721102,193102,284101,733102,98897,873
Financing Receivable Allowance For Credit Losses
--10,428-10,442-10,373-10,564-10,828-10,929-11,029-10,982-10,905-10,571-10,176
Assets
Assets
121,930121,501119,095116,984120,505122,026119,463119,229120,489121,173117,479112,939
Notes Receivable Net
91,89689,65793,36689,80589,21288,78093,79291,16491,30290,82892,41787,697
Loans Receivable Held For Sale Amount
---192191-------
Goodwill
1,3631,3631,3631,2741,2741,2741,2741,2741,2741,0731,0181,105
Finite Lived Intangible Assets Net
1521,2231,2559098628478547657768008151,169
Other Assets
7,9615,6595,7905,8436,6046,7725,7535,7475,8125,4464,9154,443
Assets Of Disposal Group Including Discontinued Op…
------0000256-
Liabilities And Stockhold…
Deposits Interest Bearing…
Interest Bearing Deposit Liabilities
82,37682,47880,74879,51381,85783,03081,66481,90182,70883,16080,78977,669
Noninterest Bearing Deposit Liabilities
430416396373405405398383392394364397
Deposits
82,80682,89481,14479,88682,26283,43582,06282,28483,10083,55481,15378,066
Long Term Debt Noncurrent
Senior Notes
7,5167,5136,7676,7657,6698,4187,6207,6178,1208,1178,7158,712
Long Term Debt
16,43216,42815,18214,43116,00917,00915,46215,63215,63716,13315,98215,231
Accrued Liabilities And Other Liabilities
5,7955,7026,0035,6025,2825,0015,3595,3336,2126,2046,3345,875
Liabilities
105,033105,024102,32999,919103,553105,445102,883103,249104,949105,891103,57699,172
Liabilities Of Disposal Group Including Discontinu…
------0000107-
Equity
Preferred Stock Value
1,7161,2221,2221,2221,2221,2221,2221,2221,2221,222734734
Common Stock Value
111111111111
Additional Paid In Capital
9,8769,8449,9029,8669,8369,8049,8539,8229,7939,7689,7759,750
Retained Earnings Accumulated Deficit
25,96825,21024,59823,97823,03622,20921,63520,97520,31019,79018,66218,338
Accumulated Other Compreh…
Accumulated Other Comprehensive Income Loss Availa…
-21-12-6-8-12-15-23-13-34-34-33-62
Accumulated Other Comprehensive Income Loss Foreig…
-57-52-50-45-40-45-44-39-42-38-38-39
Accumulated Other Comprehensive Income Loss Define…
788777823335
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
16,89716,47716,76617,06516,95216,58116,58015,98015,54015,28213,90313,767
Liabilities And Stockholders Equity
121,930121,501119,095116,984120,505122,026119,463119,229120,489121,173117,479112,939
Preferred Stock Par Or Stated Value Per Share
0.0010.0010.0010.0010.0010.0010.0010.0010.0010.0010.0010.001
Preferred Stock Shares Authorized
111111111112
Preferred Stock Shares Outstanding
111111111112
Preferred Stock Shares Issued
111111111112
Preferred Stock Liquidation Preference Value
---1,2501,2501,2501,2501,2501,2501,2501,250750
Common Stock Par Or Stated Value Per Share
0.0010.0010.0010.0010.0010.0010.0010.0010.0010.0010.0010.001
Common Stock Shares Authorized
4,0004,0004,0004,0004,0004,0004,0004,0004,0004,0004,0004,000
Common Stock Shares Issued
834834834834834834834834834834834834
Shares Outstanding
325337347360372381388389395401407414
Treasury Stock Common Shares
509497487474462453446445439433427420

Subscribe to unlock 17+ years of data, unlimited metrics, and saved tables

Custom Table

0/5
Search a metric to start building a table

Subscribe to unlock 17+ years of data, unlimited metrics, transformations, and saved visuals

Interactive Financial Visualizations

0/1
Search a metric to start building a visual

Subscribe to unlock 17+ years of data

Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
2026-6.46%-3.87%-5.07%---------
202517.76%15.90%36.75%-0.39%5.02%-5.22%0.52%15.83%19.50%-8.05%-13.04%1.52%
2024-1.07%-6.13%10.58%-6.28%-4.59%4.36%18.68%24.31%16.47%-10.09%-22.31%-23.81%
2023------10.14%36.83%35.39%5.58%10.91%14.89%

Data beyond 3 years is for subscribers only.

Unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data and 50+ calculated metrics

Performance and Valuation Metrics

Metrics
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
Subscriber-only columnSubscriber-only columnSubscriber-only columnSubscriber-only column

Data beyond 3 years is for subscribers only.

Unlock 17+ years of financial data

Start 7-day free trial
Subscriber-only column
Leverage & Debt
Interest Coverage TTM
-0.76
-0.75
-0.75
-0.75
-0.77
-0.79
-0.53
-0.24
0.36
1.92
1.78
1.96
Per Share Metrics
Diluted EPS TTM
10.28
10.16
9.28
9.55
8.56
7.56
8.73
7.95
7.46
7.18
5.28
5.65
Free Cash Flow Per Share TTM
28.77
28.25
26.20
26.65
26.25
25.44
19.96
20.08
19.02
17.35
20.40
19.53
Dividend Per Share TTM
1.27
1.27
1.15
1.14
1.08
1.02
1.00
1.03
1.02
1.01
0.96
0.98
Margin Metrics
Gross Profit Margin TTM
82.66%
82.27%
81.70%
81.04%
80.36%
79.86%
79.54%
76.28%
76.65%
77.32%
78.53%
83.74%
Operating Profit Margin TTM
20.37%
20.68%
20.45%
20.56%
18.74%
16.92%
20.11%
18.32%
17.79%
17.78%
14.02%
15.63%
Net Profit Margin TTM
15.16%
15.52%
15.35%
15.65%
14.34%
13.00%
15.45%
14.03%
13.62%
13.63%
10.81%
11.90%
Growth Metrics
Net Revenue Growth (1Y)
0.09%
0.12%
-0.19%
0.41%
2.62%
5.28%
9.34%
13.16%
16.95%
20.00%
20.79%
20.48%
Net Income Growth (1Y)
5.86%
19.54%
-0.86%
12.05%
8.02%
0.41%
56.34%
33.36%
22.61%
9.12%
-25.80%
-27.52%
EPS Growth (1Y)
20.20%
34.49%
6.27%
20.13%
14.66%
5.49%
66.08%
41.42%
29.80%
17.13%
-15.37%
-18.37%
Valuation Metrics
P/E TTM
7.33
6.60
8.82
7.27
7.61
6.78
7.18
6.02
6.05
5.71
6.85
5.08
P/B TTM
1.49
1.41
1.83
1.50
1.46
1.20
1.51
1.19
1.17
1.10
1.10
0.87
P/S TTM
1.11
1.02
1.35
1.14
1.09
0.88
1.11
0.84
0.82
0.78
0.74
0.60
Market Cap
25.20B
23.20B
30.61B
25.68B
24.70B
19.95B
25.12B
18.98B
18.18B
16.74B
15.33B
12.02B
Enterprise Value
24.39B
19.02B
30.82B
23.83B
20.53B
14.28B
25.87B
16.64B
15.14B
12.81B
16.89B
11.45B
Calculated Values
Free Cash Flow TTM
9.53B
9.67B
9.69B
9.75B
9.88B
9.80B
7.91B
7.88B
7.60B
7.02B
8.59B
8.12B
Net Debt
-808.00M
-4.18B
209.00M
-1.86B
-4.17B
-5.67B
751.00M
-2.35B
-3.04B
-3.94B
1.56B
-569.00M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

Subscribe to unlock 17+ years of data

Insider Transactions

2026-05-15Sale
Owner: Mothner, Jonathan S
Title: See remarks
Shares: 51,258
Price/Share: $71.23
Value: $3,651,107.34
Shares Owned: 132,664
Relationship: Officer
Ownership: Direct
2026-05-01Sale
Owner: Casellas, Alberto
Title: See remarks
Shares: 5,794
Price/Share: $76.55
Value: $443,530.70
Shares Owned: 50,331
Relationship: Officer
Ownership: Direct
2026-05-01Sale
Owner: Coviello, Arthur W Jr
Title: -
Shares: 4,000
Price/Share: $76.55
Value: $306,200.00
Shares Owned: 29,341
Relationship: Director
Ownership: Direct
2026-05-01Sale
Owner: Howse, Curtis
Title: See remarks
Shares: 8,436
Price/Share: $76.55
Value: $645,775.80
Shares Owned: 86,437
Relationship: Officer
Ownership: Direct
2026-03-03Sale
Owner: Wenzel, Brian J. Sr.
Title: See remarks
Shares: 47,112
Price/Share: $67.16
Value: $3,164,041.92
Shares Owned: 64,221
Relationship: Officer
Ownership: Direct

Subscribe to unlock 17+ years of data

Institutional Ownership

No data available for chart
2026-03-31
97.91%
Inst. Shares: 335,245,635
Shares Outstanding: 342,400,000
2025-12-31
93.95%
Inst. Shares: 347,514,532
Shares Outstanding: 369,900,000
2025-09-30
97.05%
Inst. Shares: 355,110,956
Shares Outstanding: 365,900,000
2025-06-30
97.42%
Inst. Shares: 366,489,455
Shares Outstanding: 376,200,000
2025-03-31
93.57%
Inst. Shares: 360,446,005
Shares Outstanding: 385,200,000

Synchrony Financial (SYF) — SEC Financial Statements & Analysis

Synchrony Financial (SYF) is a finance services company, incorporated in NY. Synchrony Financial trades on SYF-PB: NYSE as: SYF: NYSE, SYF-PA: NYSE. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Synchrony Financial reported a 0.09% year-over-year revenue growth, a Gross Profit Margin of 82.66% (TTM), a Price-to-Sales (P/S) ratio of 1.11x (TTM), a Price-to-Book (P/B) ratio of 1.49 (TTM), at a market cap of $25.20B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
0.09%
Gross Profit Margin TTM
82.66%
P/S TTM
1.11x
P/B TTM
1.49
Market Cap
$25.20B

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 is SYF's market cap?

Synchrony Financial (SYF) has a market capitalization of $25.20B as of 2026-06-30.

What is SYF's P/E ratio?

Synchrony Financial (SYF)'s trailing twelve month P/E ratio is 7.33x as of 2026-06-30.

What exchange does SYF trade on?

Synchrony Financial (SYF) trades on the SYF-PB: NYSE.

Where is Synchrony Financial incorporated?

Synchrony Financial is incorporated in NY.

Research Faster.
Invest Smarter.

Synchrony Financial (SYF) financial data sourced directly from SEC EDGAR filings — including the latest 10-K annual report, 10-Q quarterly filings, insider transactions (SEC Form 4), institutional ownership (SEC Form 13F), Earning Marker Reaction Heat Map and 50+ calculated financial metrics like Price to Earnings Ratio (P/E), Return on Equity (ROE), Debt to Equity (D/E), Free Cash Flow Per Share (FCF/S), and Return on Invested Capital (ROIC). Unlike platforms that rely on third-party data aggregators, GeminIQ parses raw SEC filings directly — delivering institutional-grade accuracy at a fraction of the cost of Bloomberg Terminal or S&P Capital IQ.