SYF - NYSE
Synchrony Financial
$68.72
-3.0%Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
At a Glance
Live SnapshotSynchrony Financial Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Synchrony Financial Income Statement
SYF • NYSE
| Synchrony Financial Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||||||||
19.1B | 20.8B | 17.3B | 13.2B | 11.2B | 12.8B | 15.6B | 15.2B | 13.8B | 12.2B | 10.9B | 10.2B | 9.4B | 8.8B | 8.2B | |
GROSS PROFIT | |||||||||||||||
(9.4B) | (11.4B) | (9.7B) | (4.9B) | (1.8B) | (7B) | (6.5B) | (7.4B) | (6.7B) | (5.2B) | (4.1B) | (3.8B) | (3.8B) | (3.3B) | (3.2B) | |
9.8B | 9.4B | 7.7B | 8.3B | 9.5B | 5.9B | 9.1B | 7.7B | 7.1B | 7B | 6.8B | 6.3B | 5.6B | 5.5B | 5B | |
OPERATING INCOME | |||||||||||||||
(5.1B) | (4.8B) | (4.8B) | (4.3B) | (4B) | (4.1B) | (4.2B) | (4.1B) | (3.7B) | (3.4B) | (3.3B) | (2.9B) | (2.5B) | (2.1B) | (2B) | |
(2.6B) | (2.4B) | (2.4B) | (2.2B) | (2B) | (1.8B) | (2B) | (2B) | (1.8B) | (1.6B) | (1.5B) | (1.3B) | (967M) | (828M) | (817M) | |
4.6B | 4.6B | 2.9B | 4B | 5.5B | 1.8B | 4.9B | 3.6B | 3.3B | 3.6B | 3.5B | 3.4B | 3.1B | 3.4B | 3B | |
PRE-TAX INCOME | |||||||||||||||
(4.1B) | (4.6B) | (3.7B) | (1.5B) | (1B) | (1.7B) | (2.3B) | (1.9B) | (1.4B) | (1.2B) | (1.1B) | (922M) | (742M) | (745M) | (932M) | |
18.5B | 18B | 17B | 15.6B | 14.2B | 14.4B | 16.8B | 16.1B | 15B | 13.5B | 12.1B | 11.3B | 10.6B | 9.6B | 8.2B | |
(2.5B) | (2.5B) | (2.3B) | (2.2B) | (2B) | (2.2B) | (2.2B) | (2.1B) | (1.9B) | (1.8B) | (1.8B) | (1.6B) | (1.5B) | (1.3B) | (1.2B) | |
4.6B | 4.6B | 2.9B | 4B | 5.5B | 1.8B | 4.9B | 3.6B | 3.3B | 3.6B | 3.5B | 3.4B | 3.1B | 3.4B | 3B | |
NET INCOME | |||||||||||||||
(1.1B) | (1.1B) | (666M) | (946M) | (1.3B) | (412M) | (1.1B) | (854M) | (1.4B) | (1.3B) | (1.3B) | (1.3B) | (1.2B) | (1.3B) | (1.1B) | |
3.6B | 3.5B | 2.2B | 3B | 4.2B | 1.4B | 3.7B | 2.8B | 1.9B | 2.3B | 2.2B | 2.1B | 2B | 2.1B | 1.9B |
SEC Filings
SYF - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 15, 2026 | May 15, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | April 29, 2026 | December 31, 2025 | 2025 | |
10-Q 10-Q 2026 Q1 Q1 | April 23, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 10, 2026 | March 10, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 25, 2026 | February 18, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 10, 2026 | February 10, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 06, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 27, 2026 | 2026 |
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Research Paths
Snapshot
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Value Model
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Statements
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Earnings Call
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Dividends
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Analyst Expectations
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