SYF
Synchrony Financial
NYSE · USFinancial ServicesFinancial - Credit Services
$73.41-0.29%
Price as of Jul 20, 2026
SYF financials
Synchrony Financial financial statements
Annual and quarterly income statement, balance sheet and cash-flow history. On small screens, start with four periods and expand the table when needed.
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | $19.1B | $20.8B | $17.3B | $13.2B |
| Cost of revenue | $9.4B | $11.4B | $9.7B | $4.9B |
| Gross profit | $9.8B | $9.4B | $7.7B | $8.3B |
| Operating expenses | $5.1B | $4.8B | $4.8B | $4.3B |
| Operating income | $4.6B | $4.6B | $2.9B | $4.0B |
| Net income | $3.6B | $3.5B | $2.2B | $3.0B |
| EBITDA | $5.1B | $5.0B | $3.4B | $4.4B |
| Basic EPS | $9.35 | $8.64 | $5.21 | $6.19 |
| Diluted EPS | $9.29 | $8.55 | $5.19 | $6.15 |
| Balance sheet | ||||
| Cash & equivalents | $15.0B | $14.7B | $14.3B | $10.3B |
| Total assets | $119.1B | $119.5B | $117.5B | $104.6B |
| Total liabilities | $102.3B | $102.9B | $103.6B | $91.7B |
| Stockholders’ equity | $16.8B | $16.6B | $13.9B | $12.9B |
| Total debt | $15.2B | $15.5B | $16.0B | $14.2B |
| Net debt | $209.0M | $751.0M | $1.7B | $3.9B |
| Cash flow | ||||
| Operating cash flow | $9.9B | $9.8B | $8.6B | $6.7B |
| Capital expenditure | $0.00 | $0.00 | $0.00 | $0.00 |
| Free cash flow | $9.9B | $9.8B | $8.6B | $6.7B |
| Dividends paid | -$510.0M | -$470.0M | -$448.0M | -$476.0M |
| Share repurchases | -$2.9B | -$1.0B | -$1.1B | -$3.3B |