SYF financial statements
The full income statement, balance sheet, and cash-flow statement for Synchrony Financial (SYF), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 19.0B-2.8% | 19.5B+13.0% | 17.3B+8.0% | 16.0B+8.7% | 14.7B-0.6% | ||
| Noninterest income | 520M-65.8% | 1.52B+426.3% | 289M-23.9% | 380M-21.0% | 481M+18.8% | |
| Noninterest expense | 5.13B+6.1% | 4.84B+1.7% | 4.76B+9.7% | 4.34B+9.4% | 3.96B-2.3% | |
| Interest expense | — | — | 3.71B+144.0% | 1.52B+47.4% | 1.03B-38.0% | |
| Interest & investment income | 22.6B-0.2% | 22.6B+9.3% | 20.7B+20.8% | 17.1B+12.3% | 15.3B-5.0% | |
| Net interest income | 18.5B+2.5% | 18.0B+6.0% | 17.0B+8.8% | 15.6B+9.7% | 14.2B-1.1% | |
| Pre-tax income | 4.62B+1.5% | 4.55B+56.8% | 2.90B-26.7% | 3.96B-28.0% | 5.50B+206.2% | |
| Income tax | 1.07B+1.4% | 1.05B+58.3% | 666M-29.6% | 946M-26.2% | 1.28B+211.2% | |
| 3.55B+1.5% | 3.50B+56.3% | 2.24B-25.8% | 3.02B-28.5% | 4.22B+204.8% | ||
| Net income to common | 3.47B+1.2% | 3.43B+56.1% | 2.20B-26.2% | 2.97B-28.8% | 4.18B+211.2% | |
| $9.28+8.5% | $8.55+64.7% | $5.19-15.6% | $6.15-16.2% | $7.34+223.3% | ||
| EPS (basic) | $9.38+8.6% | $8.64+65.8% | $5.21-15.8% | $6.19-16.4% | $7.40+224.6% | |
| Weighted-avg shares (basic) | 370M-6.7% | 397M-5.9% | 421M-12.3% | 480M-14.9% | 565M-4.1% | |
| Weighted-avg shares (diluted) | 374M-6.7% | 401M-5.4% | 424M-12.4% | 483M-15.1% | 569M-3.6% | |
| Dividends per share | $1.15+15.0% | $1.00+4.2% | $0.96+6.7% | $0.90+2.3% | $0.88+0.0% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 15.0B+1.8% | 14.7B+3.2% | 14.3B+38.5% | 10.3B+23.5% | 8.34B-27.7% | |
| 119B-0.3% | 119B+1.7% | 117B+12.4% | 105B+9.2% | 95.7B-0.2% | ||
| Property, plant & equipment | 1.25B | — | — | — | — | |
| Goodwill | 1.36B+7.0% | 1.27B+25.1% | 1.02B-7.9% | 1.10B+0.0% | 1.10B+2.5% | |
| Intangible assets | 104M-87.8% | 854M+4.8% | 815M+9.8% | 742M-36.5% | 1.17B+3.8% | |
| Deferred tax assets | 2.08B | — | — | — | — | |
| 102B-0.5% | 103B-0.7% | 104B+13.0% | 91.7B+11.7% | 82.1B-1.4% | ||
| Long-term debt | 15.2B-1.8% | 15.5B-3.3% | 16.0B+12.6% | 14.2B-2.2% | 14.5B-8.0% | |
| 16.8B+1.1% | 16.6B+19.3% | 13.9B+8.0% | 12.9B-5.7% | 13.7B+7.5% | ||
| Preferred stock | 1.22B+0.0% | 1.22B+66.5% | 734M+0.0% | 734M+0.0% | 734M+0.0% | |
| Common stock | 1.00M+0.0% | 1.00M+0.0% | 1.00M+0.0% | 1.00M+0.0% | 1.00M+0.0% | |
| Additional paid-in capital | 9.90B+0.5% | 9.85B+0.8% | 9.78B+0.6% | 9.72B+0.5% | 9.67B+1.0% | |
| Retained earnings | 24.6B+13.7% | 21.6B+15.9% | 18.7B+11.6% | 16.7B+17.3% | 14.2B+34.1% | |
| Treasury stock | 18.9B+17.7% | 16.1B+5.7% | 15.2B+7.3% | 14.2B+29.7% | 10.9B+33.7% | |
| Total liabilities & equity | 119B-0.3% | 119B+1.7% | 117B+12.4% | 105B+9.2% | 95.7B-0.2% | |
| Common shares issued | 834M+0.0% | 834M+0.0% | 834M+0.0% | 834M+0.0% | 834M+0.0% | |
| Common shares outstanding | 347M-10.6% | 388M-4.6% | 407M-7.2% | 438M-16.8% | 527M-9.8% | |
| Shares outstanding (cover) | 348M-10.6% | 389M-4.4% | 407M-6.9% | 437M-16.2% | 521M-10.7% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 9.85B+0.0% | 9.85B+14.6% | 8.59B+28.4% | 6.69B-5.7% | 7.10B-5.2% | ||
| Depreciation & amortization | 514M+6.9% | 481M+5.0% | 458M+9.3% | 419M+7.4% | 390M+1.8% | |
| Deferred income taxes | 184M+287.8% | -98.0M+78.6% | -458M-8.8% | -421M-292.2% | 219M+136.4% | |
| -4.85B+45.5% | -8.90B+37.5% | -14.2B-39.1% | -10.2B-112.6% | -4.81B-866.7% | ||
| Acquisitions | 161M-91.7% | 1.94B | 0.00 | 0.00 | 0.00 | |
| Other investing activities | 852M+23.8% | 688M-4.7% | 722M+31.5% | 549M+0.0% | 549M+40.8% | |
| -4.74B-675.0% | -611M-106.3% | 9.63B+82.3% | 5.28B+201.5% | -5.20B+35.2% | ||
| Long-term debt issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 2.94B+191.8% | 1.01B-9.4% | 1.11B-66.5% | 3.32B+15.4% | 2.88B+192.0% | |
| Dividends paid | 427M+7.3% | 398M-2.0% | 406M-6.5% | 434M-13.2% | 500M-3.8% | |
| Other financing activities | -63.0M-275.0% | 36.0M+263.6% | -22.0M+50.0% | -44.0M-251.7% | 29.0M+514.3% | |
| Interest paid | 4.16B-10.7% | 4.66B+31.3% | 3.55B+161.9% | 1.36B+31.1% | 1.03B-38.9% | |
| Income taxes paid | 710M-34.7% | 1.09B-3.4% | 1.13B-12.8% | 1.29B+16.0% | 1.11B+31.3% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 29.0B+14.8% | 25.3B+59.9% | 15.8B+6.7% | 14.8B-38.8% | 24.2B+19.3% | |
| P/E | 8.2×+13.1% | 7.2×+8.5% | 6.7×+46.2% | 4.6×-20.5% | 5.7×-60.8% | |
| P/S | 1.5×+18.1% | 1.3×+38.2% | 0.9×+0.3% | 0.9×-43.2% | 1.6×+20.0% | |
| P/B | 1.7×+13.5% | 1.5×+32.8% | 1.1×+0.9% | 1.1×-35.8% | 1.8×+11.0% | |
| Earnings yield | 12.2%-11.5% | 13.8%-7.9% | 15.0%-31.6% | 22.0%+25.8% | 17.5%+155.4% | |
| Dividend yield | 1.4%-10.4% | 1.5%-38.8% | 2.5%-8.2% | 2.7%+44.4% | 1.9%-25.2% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: SYF’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all SYF filings on SEC EDGAR → Not investment advice.