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.
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 equity incl. non-controlling | 16.8B+1.1% | 16.6B+19.3% | 13.9B+8.0% | 12.9B-5.7% | 13.7B+7.5% | |
| 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% | |
| Treasury shares | 487M+9.2% | 446M+4.4% | 427M+7.9% | 396M+28.8% | 307M+22.9% | |
| 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% | 25.2B+59.6% | 15.8B+6.7% | 14.8B-39.4% | 24.4B+20.6% | |
| P/E | 8.2×+13.1% | 7.2×+8.3% | 6.7×+46.2% | 4.6×-21.4% | 5.8×-60.4% | |
| P/S | 1.5×+18.1% | 1.3×+38.0% | 0.9×+0.3% | 0.9×-43.8% | 1.7×+21.3% | |
| P/B | 1.7×+13.5% | 1.5×+32.5% | 1.1×+0.9% | 1.1×-36.4% | 1.8×+12.1% | |
| Earnings yield | 12.3%-11.6% | 13.9%-7.7% | 15.0%-31.6% | 22.0%+27.2% | 17.3%+152.8% | |
| 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 |
| Fiscal year | CEO | Total, as reported | Actually paid | Other executives, average | $100 in the stock | $100 in peers |
|---|---|---|---|---|---|---|
| FY2024 | Mr. Doubles | $18.8M | $58.2M | $5.1M | $206.00 | $149.00 |
| FY2023 | Mr. Doubles | $19.2M | $23.7M | $5.2M | $119.00 | $123.00 |
| FY2022 | Mr. Doubles | $13.7M | $8.6M | $6.5M | $99.00 | $96.00 |
| FY2021 | Ms. Keane $13.5M / $46MMr. Doubles $8.9M / $20.5M | $22.4M | $66.5M | $4.1M | $136.00 | $131.00 |
| FY2020 | Ms. Keane | $12.9M | −$28.8K | $4.1M | $100.00 | $129.00 |
From the pay-versus-performance table of each proxy statement (DEF 14A), the newest that states the year. “Actually paid” values stock awards at the year’s closing price, so it falls when the stock does. A year two chief executives shared lists each one’s pay, as reported / actually paid, and the totals are both. $100 in the stock and in the peer group the proxy names are the newest proxy’s, from the start of its first year.
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.
