SYF

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Synchrony Financial

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Key Metrics

Previous Close: $79.62
52-Week Range: $63.08 – $88.77
Market Cap: $24.96B
P/E (TTM): 7.87
EPS (TTM): 9.75
Dividend Yield: 1.71%

Advanced Metrics

Price/Book: 1.64
PEG Ratio: 1.13
Return on Equity: 20.79%
Return on Assets: 2.90%
Gross Margin: 0.00%
Operating Margin: 50.22%
Profit Margin: 35.51%
Current Ratio: —
Debt/Equity: —
Total Debt: $16.43B
Free Cash Flow: —
Revenue Growth: 0.60%
Earnings Growth: 3.60%
Enterprise Value: $27.86B

SYF Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$11.67B	$13.63B	$15.06B	$14.98B
Selling, General & Admin	$2.17B	$2.41B	$2.40B	$2.60B
Pretax Income	$3.96B	$2.90B	$4.55B	$4.62B
Income Tax	$946.00M	$666.00M	$1.05B	$1.07B
Net Income	$3.02B	$2.24B	$3.50B	$3.55B
Diluted EPS	6.15	5.19	8.55	9.28
Diluted Shares	483.40M	423.50M	400.60M	373.90M

SYF Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$10.29B	$14.26B	$14.71B	$14.97B
Total Assets	$104.56B	$117.48B	$119.46B	$119.09B
Long-Term Debt	$14.19B	$15.98B	$15.46B	$15.18B
Total Debt	$14.19B	$15.98B	$15.46B	$15.18B
Total Liabilities	$91.69B	$103.58B	$102.88B	$102.33B
Retained Earnings	$16.72B	$18.66B	$21.64B	$24.60B
Shareholders' Equity	$12.87B	$13.90B	$16.58B	$16.77B
Net Debt	$3.90B	$1.72B	$751.00M	$209.00M

SYF Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$6.69B	$8.59B	$9.85B	$9.85B
Free Cash Flow	$6.69B	$8.59B	$9.85B	$9.85B
Depreciation & Amortisation	$419.00M	$458.00M	$481.00M	$514.00M
Investing Cash Flow	-$10.23B	-$14.23B	-$8.90B	-$4.85B
Financing Cash Flow	$5.28B	$9.63B	-$611.00M	-$4.74B
Dividends Paid	-$476.00M	-$448.00M	-$470.00M	-$510.00M
Share Repurchases	-$3.32B	-$1.11B	-$1.01B	-$2.94B
Net Change in Cash	$1.74B	$3.99B	$334.00M	$262.00M

SYF Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$3.65B	$3.82B	$3.79B	$3.70B	$3.72B
Selling, General & Admin	$636.00M	$623.00M	$723.00M	$629.00M	$653.00M
Pretax Income	$1.26B	$1.43B	$952.00M	$1.05B	$1.19B
Income Tax	$289.00M	$352.00M	$201.00M	$242.00M	$301.00M
Net Income	$967.00M	$1.08B	$751.00M	$805.00M	$885.00M
Diluted EPS	2.50	2.86	2.04	2.27	2.59
Diluted Shares	379.10M	369.90M	357.60M	346.00M	334.10M

SYF Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$19.46B	$16.25B	$14.97B	$20.56B	$16.19B
Total Assets	$120.50B	$116.98B	$119.09B	$121.50B	$121.93B
Long-Term Debt	$16.01B	$14.43B	$15.18B	$16.43B	$16.43B
Total Debt	$16.01B	$14.43B	$15.18B	$16.43B	$16.43B
Total Liabilities	$103.55B	$99.92B	$102.33B	$105.02B	$105.03B
Retained Earnings	$23.04B	$23.98B	$24.60B	$25.21B	$25.97B
Shareholders' Equity	$16.95B	$17.07B	$16.77B	$16.48B	$16.90B
Net Debt	—	—	$209.00M	—	$239.00M

SYF Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$2.56B	$2.64B	$2.45B	$2.18B	$2.42B
Free Cash Flow	$2.56B	$2.64B	$2.45B	$2.18B	$2.42B
Depreciation & Amortisation	$122.00M	$128.00M	$139.00M	$143.00M	$145.00M
Investing Cash Flow	-$2.24B	-$1.57B	-$4.64B	$1.52B	-$5.19B
Financing Cash Flow	-$2.82B	-$4.96B	$918.00M	$1.88B	-$596.00M
Dividends Paid	-$135.00M	-$130.00M	-$127.00M	-$125.00M	-$121.00M
Share Repurchases	-$504.00M	-$870.00M	-$962.00M	-$900.00M	-$878.00M
Net Change in Cash	-$2.50B	-$3.89B	-$1.27B	$5.59B	-$3.36B

Market Snapshot

About

Synchrony Financial is a consumer financial services company offering private label credit cards, promotional financing, and payment solutions. The company partners with retailers, healthcare providers, and other businesses to provide branded credit products to consumers. It operates platforms in Retail Card, Payment Solutions, and CareCredit healthcare financing.