SYF
Synchrony Financial
NYSE · Financial Services · Financial - Credit Services · US
$79.92
+0.09%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 19.0B | 19.1B | 20.8B | 17.3B | 13.2B |
| Cost of Revenue | 9.1B | 9.4B | 11.4B | 9.7B | 4.9B |
| Gross Profit | 9.9B | 9.8B | 9.4B | 7.7B | 8.3B |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 2.6B | 2.6B | 2.4B | 2.4B | 2.2B |
| General & Admin Expense | 2.1B | 2.1B | 1.8B | 1.9B | 1.7B |
| Selling & Marketing Expense | 519.0M | 511.0M | 524.0M | 527.0M | 487.0M |
| Other Expenses | 2.7B | 2.5B | 2.5B | 2.3B | 2.2B |
| Total Operating Expenses | 5.3B | 5.1B | 4.8B | 4.8B | 4.3B |
| Cost and Expenses | 14.3B | 14.5B | 16.2B | 14.4B | 9.2B |
| Operating Income (EBIT) | 4.6B | 4.6B | 4.6B | 2.9B | 4.0B |
| Non-Operating | |||||
| Interest Income | 22.7B | 22.6B | 22.6B | 20.7B | 17.1B |
| Interest Expense | 3.9B | 4.1B | 4.6B | 3.7B | 1.5B |
| Net Interest Income | 18.7B | 18.5B | 18.0B | 17.0B | 15.6B |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 4.6B | 4.6B | 4.6B | 2.9B | 4.0B |
| Income Tax Expense | 1.1B | 1.1B | 1.1B | 666.0M | 946.0M |
| Bottom Line | |||||
| Net Income | 3.5B | 3.6B | 3.5B | 2.2B | 3.0B |
| Earnings from Cont. Ops | 3.5B | 3.6B | 3.5B | 2.2B | 3.0B |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 3.4B | 3.5B | 3.4B | 2.2B | 3.0B |
| Per Share | |||||
| Basic EPS | $9.86 | $9.35 | $8.64 | $5.21 | $6.19 |
| Diluted EPS | $9.76 | $9.29 | $8.55 | $5.19 | $6.15 |
| Revenue Per Share | $57.23 | $53.42 | $52.36 | $41.16 | $27.47 |
| Shares | |||||
| Basic Shares Outstanding | 331.3M | 357.8M | 396.5M | 421.2M | 480.4M |
| Diluted Shares Outstanding | 334.1M | 357.8M | 400.6M | 423.5M | 483.4M |
| Profitability Metrics | |||||
| EBITDA | 5.2B | 5.1B | 5.0B | 3.4B | 4.4B |
| D&A | 555.0M | 514.0M | 481.0M | 458.0M | 419.0M |
| EBIT | 4.6B | 4.6B | 4.6B | 2.9B | 4.0B |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026