Synchrony Financial
SYF | NYSE
$76.83
+$1.48 (+1.96%)
At close: Nov 2, 2026, 3:59 PM ET
$75.35
-$0.02 (-0.03%)
Pre-market:
Nov 2, 2026, 8:24 AM ET
TTM 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 | 18.92B | 18.96B | 18.98B | 19.12B | 19.27B | 19.43B | 19.6B | 19.69B | 19.51B | 18.99B | 18.3B | 17.34B | 16.29B | 15.15B | 14.1B | 13.2B | 12.45B | 11.85B | 11.37B | 11.22B | 11.3B | 11.64B | 12.13B |
Cost of Revenue | 9.14B | 9.05B | 9.09B | 9.36B | 9.62B | 10.24B | 10.9B | 11.37B | 11.58B | 11.28B | 10.7B | 9.68B | 8.59B | 7.46B | 6.17B | 4.9B | 3.88B | 2.8B | 1.88B | 1.76B | 2.06B | 3.38B | 5.42B |
Gross Profit | 9.78B | 9.91B | 9.89B | 9.76B | 9.65B | 9.19B | 8.71B | 8.32B | 7.94B | 7.71B | 7.6B | 7.66B | 7.7B | 7.7B | 7.94B | 8.3B | 8.58B | 9.05B | 9.49B | 9.47B | 9.24B | 8.26B | 6.72B |
Operating Income | 4.37B | 4.61B | 4.68B | 4.62B | 4.64B | 4.24B | 3.83B | 4.55B | 4.12B | 3.92B | 3.82B | 2.9B | 3.11B | 3.2B | 3.52B | 3.96B | 4.27B | 4.85B | 5.42B | 5.5B | 5.4B | 4.31B | 2.73B |
Interest Income | 22.71B | 22.65B | 22.65B | 22.6B | 22.58B | 22.63B | 22.63B | 22.65B | 22.48B | 22.05B | 21.49B | 20.71B | 19.87B | 18.86B | 17.91B | 17.15B | 16.49B | 16.05B | 15.55B | 15.27B | 15.21B | 15.15B | 15.4B |
Pretax Income | 4.37B | 4.61B | 4.68B | 4.62B | 4.64B | 4.24B | 3.83B | 4.55B | 4.12B | 3.92B | 3.82B | 2.9B | 3.11B | 3.2B | 3.52B | 3.96B | 4.27B | 4.85B | 5.42B | 5.5B | 5.4B | 4.31B | 2.73B |
Net Income | 3.33B | 3.52B | 3.6B | 3.55B | 3.58B | 3.29B | 2.96B | 3.5B | 3.17B | 3B | 2.93B | 2.24B | 2.38B | 2.45B | 2.69B | 3.02B | 3.25B | 3.69B | 4.13B | 4.22B | 4.15B | 3.32B | 2.12B |
Selling & General & Admin | 2.65B | 2.63B | 2.61B | 2.6B | 2.46B | 2.43B | 2.35B | 2.35B | 2.4B | 2.39B | 2.41B | 2.37B | 2.32B | 2.28B | 2.23B | 2.17B | 2.16B | 2.11B | 2.05B | 1.99B | 1.86B | 1.87B | 1.81B |
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 | 2.77B | 2.67B | 2.6B | 2.53B | 2.54B | 2.52B | 2.52B | 1.42B | 1.42B | 1.4B | 1.37B | 2.39B | 2.28B | 2.23B | 2.19B | 2.17B | 2.14B | 2.09B | 2.02B | 1.98B | 1.99B | 2.08B | 2.17B |
Operating Expenses | 5.42B | 5.29B | 5.21B | 5.14B | 5B | 4.94B | 4.88B | 3.77B | 3.82B | 3.78B | 3.78B | 4.76B | 4.59B | 4.5B | 4.42B | 4.34B | 4.31B | 4.21B | 4.07B | 3.96B | 3.84B | 3.95B | 3.99B |
Interest Expense | 3.9B | 3.93B | 4.02B | 4.14B | 4.28B | 4.45B | 4.56B | 4.63B | 4.6B | 4.42B | 4.14B | 3.71B | 3.23B | 2.65B | 2.02B | 1.52B | 1.14B | 968M | 962M | 1.03B | 1.14B | 1.28B | 1.45B |
Selling & Marketing Expenses | 536M | 519M | 509M | 511M | 510M | 513M | 515M | 524M | 515M | 517M | 521M | 527M | 510M | 500M | 502M | 487M | 533M | 528M | 507M | 486M | 458M | 455M | 432M |
Cost & Expenses | 14.56B | 14.35B | 14.29B | 14.5B | 14.63B | 15.18B | 15.77B | 15.14B | 15.39B | 15.07B | 14.47B | 14.43B | 13.19B | 11.96B | 10.58B | 9.23B | 8.19B | 7B | 5.95B | 5.72B | 5.9B | 7.33B | 9.4B |
Income Tax Expense | 1.03B | 1.1B | 1.08B | 1.07B | 1.07B | 954M | 866M | 1.05B | 954M | 920M | 892M | 666M | 731M | 745M | 834M | 946M | 1.02B | 1.16B | 1.29B | 1.28B | 1.25B | 994M | 606M |
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) | 9.68 | 9.86 | 9.76 | 9.38 | 9.24 | 8.31 | 7.36 | 8.62 | 7.73 | 7.26 | 7.02 | 5.21 | 5.44 | 5.45 | 5.76 | 6.21 | 6.43 | 6.95 | 7.45 | 7.38 | 7.14 | 5.64 | 3.57 |
EPS (Diluted) | 9.58 | 9.76 | 9.67 | 9.29 | 9.16 | 8.24 | 7.29 | 8.54 | 7.66 | 7.20 | 6.97 | 5.18 | 5.41 | 5.42 | 5.72 | 6.16 | 6.38 | 6.89 | 7.39 | 7.33 | 7.09 | 5.61 | 3.55 |
EBITDA | 4.79B | 5.17B | 5.22B | 5.14B | 5.14B | 4.73B | 4.32B | 5.03B | 4.6B | 4.4B | 4.29B | 3.36B | 3.55B | 3.63B | 3.94B | 4.38B | 4.69B | 5.26B | 5.82B | 5.89B | 5.78B | 4.69B | 3.11B |
EBIT | 4.37B | 4.61B | 4.68B | 4.62B | 4.64B | 4.24B | 3.83B | 4.55B | 4.12B | 3.92B | 3.82B | 2.9B | 3.11B | 3.2B | 3.52B | 3.96B | 4.27B | 4.85B | 5.42B | 5.5B | 5.4B | 4.31B | 2.73B |
Depreciation & Amortization | 427M | 555M | 532M | 514M | 495M | 488M | 487M | 481M | 479M | 474M | 466M | 458M | 441M | 430M | 423M | 419M | 423M | 411M | 402M | 390M | 378M | 382M | 382M |
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