Synchrony Financial
Synchrony Financial
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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 column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 En… | - | 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 | - | -10,428 | -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 Op… | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 256 | - | |||||
Liabilities And Stockhold… | |||||||||||||||||
Deposits Interest Bearing… | |||||||||||||||||
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 Discontinu… | - | - | - | - | - | - | 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 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… | 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 Par Or Stated Value Per Share | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | |||||
Preferred Stock Shares Authorized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | |||||
Preferred Stock Shares Outstanding | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | |||||
Preferred Stock Shares Issued | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | |||||
Preferred Stock Liquidation Preference Value | - | - | - | 1,250 | 1,250 | 1,250 | 1,250 | 1,250 | 1,250 | 1,250 | 1,250 | 750 | |||||
Common Stock Par Or Stated Value Per Share | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | |||||
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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Interactive Financial Visualizations
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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% | - | - | - | - | - | - | - | - | - |
| 2025 | 17.76% | 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% |
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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 column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
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.