Financial Statements · From SEC 10-K & 10-Q XBRL Filings
Synchrony Financial Revenue & Financial Statements
Synchrony Financial reported revenue of $21.7B for the fiscal year ended December 31, 2025, up 1326.6% year over year, with net income of $3.6B and diluted EPS of $9.28.
- Company
- Synchrony Financial SYF · NYSE
- Latest fiscal year
- FY ended Dec 31, 2025
- Statements
- Income · Balance Sheet · Cash Flow — 5 fiscal years, 8 quarters
Income Statement
Annual, as reported in 10-K filings. Values in USD.
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | 481.0M | 380.0M | 289.0M | 1.5B | 21.7B |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Pretax income | 5.5B | 3.9B | 2.9B | 4.5B | 47.0M |
| Net income | 4.2B | 3.0B | 2.2B | 3.4B | 3.6B |
| Diluted EPS | 7.34 | 6.15 | 5.19 | 8.55 | 9.28 |
| EBITDA | — | — | — | — | — |
Quarterly
| USD | Q4 '24 | Q2 '25 | Q1 '25 | Q3 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 128.0M | — | 149.0M | — | 118.0M | 127.0M | 5.5B | 5.4B |
| Cost of revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Pretax income | 973.0M | — | 984.0M | — | 1.3B | 1.4B | 952.0M | 1.0B |
| Net income | 753.0M | 757.0M | 736.0M | 967.0M | 946.0M | 1.1B | 751.0M | 805.0M |
| Diluted EPS | 1.90 | — | 1.89 | — | 2.50 | 2.86 | 2.06 | 2.27 |
| EBITDA | — | — | — | — | — | — | — | — |
Balance Sheet
Fiscal year-end snapshots. Values in USD.
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Total assets | 95.7B | 104.6B | 117.5B | 119.5B | 119.1B |
| Current assets | — | — | — | — | — |
| Cash & equivalents | 8.3B | 10.3B | 14.3B | 14.7B | 15.0B |
| Total liabilities | 82.1B | 91.7B | 103.6B | 102.9B | 102.3B |
| Current liabilities | — | — | — | — | — |
| Long-term debt | 14.5B | 14.2B | 16.0B | 15.5B | 15.2B |
| Total debt | 14.5B | 14.2B | 16.0B | 15.5B | 15.2B |
| Stockholders’ equity | 13.7B | 12.9B | 13.9B | 16.6B | 16.8B |
| Net debt | 6.2B | 3.9B | 1.7B | 751.0M | 209.0M |
Cash Flow Statement
Annual, as reported in 10-K filings. Values in USD.
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Operating cash flow | 7.1B | 6.7B | 8.6B | 9.8B | 9.9B |
| Investing cash flow | (4.8B) | (10.2B) | (14.2B) | (8.9B) | (4.9B) |
| Financing cash flow | (5.2B) | 5.3B | 9.6B | (611.0M) | (4.7B) |
| Capital expenditure | — | — | — | — | — |
| Free cash flow | — | — | — | — | — |
| Dividends paid | — | — | — | — | — |
| Stock-based compensation | — | — | — | — | — |
Figures are parsed from SEC XBRL company facts and may be derived where issuers report year-to-date values (quarterly figures differenced; Q4 computed as FY minus Q3). Fiscal periods follow each company's fiscal calendar, not calendar years. Historical fact, not investment advice — verify with official SEC filings.
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