Synchrony Financial
SYF- Exchange
- NYSE
- Industry
- Finance Services
- SEC CIK
- 0001601712
In the last 90 days, Synchrony Financial insiders filed 0 open-market purchases and 1 sale; 1,013 institutions reported holding it in 13F filings for Q2 2026, worth $26.2B in total; 3 superinvestors hold it, including Harris Associates (Oakmark) and Chou Associates.
- Currency
- USD
- Source
- SEC XBRL data (10-K, 10-Q, 20-F, 40-F)
- Updated
- Oct 23, 2026, 1:09 AM ET
Revenue flow, FY2025
Where the revenue went in FY2025, from the income statement below. Green is profit; orange is costs, expenses and taxes. Percentages are shares of revenue; hover over a band or a bar for the exact amount.
Income statement
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 27, 2026 | Jan 28, 2025 | Jan 23, 2024 | Jan 23, 2023 | Jan 28, 2022 |
| Revenue | $22.6B | $22.6B | $20.7B | $17.1B | $15.3B |
| Interest expense | – | – | $3.71B | $1.52B | $1.03B |
| Income tax | $1.07B | $1.05B | $666.0M | $946.0M | $1.28B |
| Net income | $3.55B | $3.50B | $2.24B | $3.02B | $4.22B |
| EPS, basic | $9.38 | $8.64 | $5.21 | $6.19 | $7.40 |
| EPS, diluted | $9.28 | $8.55 | $5.19 | $6.15 | $7.34 |
| Weighted shares, basic | 369.9M | 396.5M | 421.2M | 480.4M | 564.6M |
| Weighted shares, diluted | 373.9M | 400.6M | 423.5M | 483.4M | 569.3M |
| Margins and growth | |||||
| Net margin | 15.7% | 15.5% | 10.8% | 17.6% | 27.6% |
| Revenue growth, year over year | −0.2% | +9.3% | +20.8% | +12.3% | −5.0% |
| Net income growth, year over year | +1.5% | +56.3% | −25.8% | −28.5% | +204.8% |
Balance sheet
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 27, 2026 | Jan 28, 2025 | Jan 23, 2024 | Jan 23, 2023 | Jan 28, 2022 |
| Cash and equivalents | $15.0B | $14.7B | $14.3B | $10.3B | $8.34B |
| Goodwill | $1.36B | $1.27B | $1.02B | $1.10B | $1.10B |
| Intangible assets | $1.25B | $854.0M | $815.0M | $1.29B | $1.17B |
| Total assets | $119.1B | $119.5B | $117.5B | $104.6B | $95.7B |
| Long-term debt | $15.2B | $15.5B | $16.0B | $14.2B | $14.5B |
| Total liabilities | $102.3B | $102.9B | $103.6B | $91.7B | $82.1B |
| Shareholders' equity | $16.8B | $16.6B | $13.9B | $12.9B | $13.7B |
Cash flow statement
Each column is one fiscal year, newest first. Free cash flow is operating cash flow minus capital expenditures.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 27, 2026 | Jan 28, 2025 | Jan 23, 2024 | Jan 23, 2023 | Jan 28, 2022 |
| Operating cash flow | $9.85B | $9.85B | $8.59B | $6.69B | $7.10B |
| Depreciation and amortization | $514.0M | $481.0M | $458.0M | $419.0M | $390.0M |
| Dividends paid | $427.0M | $398.0M | $406.0M | $434.0M | $500.0M |
| Share buybacks | $2.94B | $1.01B | $1.11B | $3.32B | $2.88B |
| Investing cash flow | -$4.85B | -$8.90B | -$14.2B | -$10.2B | -$4.81B |
| Financing cash flow | -$4.74B | -$611.0M | $9.63B | $5.28B | -$5.20B |
Shares outstanding
Common shares outstanding as stated on the cover of each 10-K and 10-Q. The date is the cover date, not the period end; a rising count means dilution.
| Cover date | Shares outstanding | Change in a year | Filing |
|---|---|---|---|
| Oct 16, 2026 | 311.4M | −13.5% | SEC |
| Jul 17, 2026 | 325.4M | −12.5% | SEC |
| Apr 17, 2026 | 337.0M | −11.5% | SEC |
| Jan 30, 2026 | 347.6M | −10.6% | SEC |
| Oct 17, 2025 | 360.2M | −7.5% | SEC |
| Jul 18, 2025 | 372.1M | −5.9% | SEC |
| Apr 18, 2025 | 380.7M | −5.2% | SEC |
| Jan 31, 2025 | 388.7M | −4.4% | SEC |
Notes and known gaps
How these numbers are put together, and what they can't tell you.
- Numbers come from the XBRL data in each period's original 10-K, 10-Q, 20-F or 40-F, or its amendment. They are shown as filed: later filings don't restate earlier periods here.
- Reported is the filing date of the first 8-K with Item 2.02 (results of operations) after the period ended, no later than the 10-Q or 10-K and within 120 days. Companies that release results only in the 10-Q, and foreign companies, which use Form 6-K, have none.
Known gaps
- Foreign companies that file Form 20-F or 40-F have annual statements only: their quarterly results are furnished on Form 6-K, which has no XBRL data.
- EPS and share counts are as reported at the time, not adjusted for later stock splits.
- For ADRs, EPS is per ordinary share, not per ADS (one TSMC ADS is five ordinary shares).
- For banks, revenue may be interest income only, depending on how the bank tags its filings; cost of revenue and gross profit are usually blank.
- Companies with several share classes, such as Berkshire Hathaway, may have no EPS and no cover share count.
- Depreciation and amortization is missing for some companies that report it under their own XBRL tags.