Synchrony Financial

SYF | NYSE

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$76.81

+$1.46 (+1.94%)

Nov 2, 2026, 1:44 PM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Income Statement Balance Sheet Cashflow Statement Ratios

Annual Quarterly TTM

Fiscal Quarter Period Ending	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025 Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024 Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023 Dec 31, 2023	Q3 2023 Sep 30, 2023	Q2 2023 Jun 30, 2023	Q1 2023 Mar 31, 2023	Q4 2022 Dec 31, 2022	Q3 2022 Sep 30, 2022	Q2 2022 Jun 30, 2022	Q1 2022 Mar 31, 2022	Q4 2021 Dec 31, 2021	Q3 2021 Sep 30, 2021	Q2 2021 Jun 30, 2021	Q1 2021 Mar 31, 2021
Revenue	4.8B	4.69B	4.67B	4.77B	4.83B	4.71B	4.8B	4.92B	4.99B	4.89B	4.89B	4.74B	4.47B	4.2B	3.93B	3.7B	3.33B	3.15B	3.03B	2.95B	2.73B	2.66B	2.88B
Cost of Revenue	2.25B	2.18B	2.3B	2.42B	2.16B	2.21B	2.58B	2.68B	2.77B	2.87B	3.05B	2.89B	2.48B	2.28B	2.03B	1.8B	1.34B	996M	754M	784M	265M	72M	637M
Gross Profit	2.55B	2.52B	2.36B	2.35B	2.68B	2.5B	2.23B	2.24B	2.22B	2.02B	1.85B	1.86B	1.99B	1.91B	1.91B	1.89B	1.99B	2.15B	2.27B	2.17B	2.46B	2.59B	2.25B
Operating Income	1.18B	1.19B	1.05B	952M	1.43B	1.26B	984M	973M	1.03B	844M	1.71B	539M	833M	742M	790M	741M	922M	1.07B	1.23B	1.05B	1.5B	1.64B	1.32B
Interest Income	5.79B	5.58B	5.6B	5.73B	5.73B	5.59B	5.55B	5.71B	5.79B	5.58B	5.57B	5.55B	5.35B	5.02B	4.79B	4.71B	4.34B	4.07B	4.02B	4.05B	3.9B	3.58B	3.74B
Pretax Income	1.18B	1.19B	1.05B	952M	1.43B	1.26B	984M	973M	1.03B	844M	1.71B	539M	833M	742M	790M	741M	922M	1.07B	1.23B	1.05B	1.5B	1.64B	1.32B
Net Income	892M	885M	805M	751M	1.08B	967M	757M	774M	789M	643M	1.29B	440M	628M	569M	601M	577M	703M	804M	932M	813M	1.14B	1.24B	1.03B
Selling & General & Admin	644M	653M	629M	723M	623M	636M	622M	582M	587M	563M	621M	633M	569M	584M	582M	580M	531M	539M	518M	576M	479M	473M	459M
Research & Development	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Other Expenses	727M	678M	687M	676M	625M	609M	621M	685M	602M	614M	-484M	683M	585M	585M	537M	571M	533M	544M	521M	546M	482M	475M	473M
Operating Expenses	1.37B	1.33B	1.32B	1.4B	1.25B	1.25B	1.24B	1.27B	1.19B	1.18B	137M	1.32B	1.15B	1.17B	1.12B	1.15B	1.06B	1.08B	1.04B	1.12B	961M	948M	932M
Interest Expense	979M	975M	968M	973M	1.01B	1.07B	1.09B	1.12B	1.18B	1.18B	1.16B	1.08B	992M	901M	735M	602M	414M	272M	233M	223M	240M	266M	303M
Selling & Marketing Expenses	137M	137M	114M	148M	120M	127M	116M	147M	123M	129M	125M	138M	125M	133M	131M	121M	115M	135M	116M	167M	110M	114M	95M
Cost & Expenses	3.62B	3.51B	3.62B	3.81B	3.41B	3.46B	3.82B	3.95B	3.96B	4.05B	3.18B	4.2B	3.63B	3.45B	3.14B	2.95B	2.41B	2.08B	1.79B	1.91B	1.23B	1.02B	1.57B
Income Tax Expense	289M	301M	242M	201M	352M	289M	227M	199M	239M	201M	415M	99M	205M	173M	189M	164M	219M	262M	301M	234M	359M	399M	290M
Shares Outstanding (Basic)	319M	331.3M	342.4M	357.84M	375.7M	376.2M	385.2M	389.3M	392.3M	399.3M	404.7M	411.9M	416M	422.7M	434.4M	445.8M	468.5M	493M	515.3M	537.8M	560.6M	577.2M	583.3M
Shares Outstanding (Diluted)	322.4M	334.1M	346M	357.84M	379.4M	379.1M	389.4M	394.8M	396.5M	402.6M	408.2M	414.6M	418.4M	424.2M	437.2M	448.9M	470.7M	495.3M	519.5M	543M	565.6M	581.7M	587.5M
EPS (Basic)	2.71	2.61	2.29	2.07	2.89	2.51	1.91	1.93	1.96	1.56	3.17	1.04	1.49	1.32	1.36	1.27	1.50	1.63	1.81	1.49	2.02	2.13	1.74
EPS (Diluted)	2.68	2.59	2.27	2.04	2.86	2.50	1.89	1.91	1.94	1.55	3.14	1.03	1.48	1.32	1.35	1.26	1.49	1.62	1.79	1.48	2	2.12	1.73
EBITDA	1.18B	1.33B	1.19B	1.09B	1.56B	1.38B	1.11B	1.09B	1.15B	965M	1.83B	657M	949M	855M	901M	842M	1.03B	1.17B	1.34B	1.15B	1.59B	1.74B	1.41B
EBIT	1.18B	1.19B	1.05B	952M	1.43B	1.26B	984M	973M	1.03B	844M	1.71B	539M	833M	742M	790M	741M	922M	1.07B	1.23B	1.05B	1.5B	1.64B	1.32B
Depreciation & Amortization	n/a	145M	143M	139M	128M	122M	125M	120M	121M	121M	119M	118M	116M	113M	111M	101M	105M	106M	107M	105M	93M	97M	95M