FirmAtlas
Company handbook · SYF · Prepared by FirmAtlas · firmatlas.app · printed 2026-10-17
SYF · CIK 1601712 · LATEST FILING: 10-Q JUN '26 · FILED JUL 23, 2026
SYNCHRONY FINANCIAL
$73.68
−0.36 (−0.49%)
Close, Oct 16, 2026 · 52-week $63–89
Last fiscal year
SYNCHRONY FINANCIAL reported revenue of $19.0B for the year ended Dec 31, 2025 (FY25), down 2.8% from FY24. Net income was $3.6B. Source: 10-K filed Feb 6, 2026.
Market cap
$25.6B
P/E
7.3
P/B
1.5
Div yield
1.68%
ROTCE
21.3%
Revenue 1Y
−2.8%/yr
EPS 1Y
8.5%/yr
Shares 1Y
−11%
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Median
Daily closes, split-adjusted · ratios at each fiscal year end
Company
HQStamford, CT
AuditorKPMG LLP
Employees20,000
Year endsDecember
Compounded growth & averages
10Y
5Y
3Y
TTM
Share price
10.7%
8.0%
35.4%
4.9%
Upgrade to see 10 years
Share price: yearly compound rate of the traded close; the last column is the past year.
Where the earnings went · FY24–FY25
$7.1B net income
Dividends
$825M
11.7%
Buybacks
$3.9B
56.0%
Retained
$2.3B
32.3%
Growth engines
How much of the profit growth came from new investment, and how much from running the business better.
Upgrade to see 10 years
Financials
Last 2 years · Upgrade to see 10 years · USD millions · each year opens its 10-K · change vs previous year
Last 4 quarters · USD millions · quarter-end month shown · change vs same quarter a year earlier
TTM = the last four quarters, to Jun '26. Balance-sheet rows show that latest quarter. “—” where the quarters do not add up to the annual figures. No TTM for cash: our quarterly rows do not hold short-term investments yet, and annual cash includes them.
Income
Total revenue
19,532
18,986−2.8%
19,247
YoY
−2.8%
Interest income
22,645
22,601−0.2%
—
Interest expense
4,634
4,135−10.8%
—
Net interest income
18,011
18,466+2.5%
18,724
Non-interest income
1,521
520−65.8%
—
Provision for credit losses
6,733
5,225−22.4%
—
NII after provision
11,278
13,241+17.4%
—
Non-interest expense
4,839
5,135+6.1%
—
Pre-tax income
4,553
4,621+1.5%
—
Net income
3,499
3,552+1.5%
3,518
YoY
+1.5%
EPS (diluted, $)
8.55
9.28+8.5%
9.88
YoY
+8.5%
Balance sheet
Total assets
119,463
119,095−0.3%
121,930
Cash & securities
14,755
14,973+1.5%
—
Other assets
104,708
104,122−0.6%
—
Total liabilities
102,883
102,329−0.5%
105,033
Deposits
82,062
81,144−1.1%
—
Borrowings
15,462
15,182−1.8%
16,432
Other liabilities
5,359
6,003+12.0%
—
Shareholders’ equity
16,580
16,766+1.1%
16,897
Tangible common equity
16,580
16,766+1.1%
—
Shares outstanding (M)
388
347−10.6%
—
Total liabilities = total assets − shareholders’ equity, so it includes minority interest where a company has one.
Where the earnings went
Income
Sep '25
Dec '25
Mar '26
Jun '26
Total revenue
4,847
4,887
4,768
4,745
vs year-ago quarter
Net interest income
4,720
4,761
4,635
4,608
Non-interest income
127
126
133
137
Net income
1,077
751
805
885
vs year-ago quarter
EPS (diluted, $)
2.86
2.16
2.27
2.59
vs year-ago quarter
Balance sheet
Sep '25
Dec '25
Mar '26
Jun '26
Total assets
116,984
119,095
121,501
121,930
Cash & due from banks
16,287
14,973
20,603
17,240
Borrowings
14,431
15,182
16,428
16,432
Shareholders’ equity
17,065
16,766
16,477
16,897