SequelSEC

Synchrony Financial SYF

Finance Services · CIK 0001601712 · Fiscal year ends 1231 · Bank

AnnualQuarterlyTTM
Revenue
Unavailable
Fiscal year ended 2026-06-30
Net income
$885.00M
Fiscal year ended 2026-06-30
Total assets
$121.93B
Fiscal year ended 2026-06-30

Synchrony Financial (SYF) reported net income of $885.00M for the fiscal year ended 2026-06-30. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from Synchrony Financial’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Finance Services.

Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.

Income

Synchrony Financial income by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
RevenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Cost of revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net income$885.00MUnavailable$751.00M$1.08BUnavailableUnavailable$774.00M$789.00MUnavailableUnavailable
Research & developmentUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Weighted-average diluted sharesshares 334.10MUnavailableUnavailableshares 369.90MUnavailableUnavailableUnavailableshares 396.50MUnavailableUnavailable
Pretax income$1.19BUnavailable$952.00M$1.43BUnavailableUnavailable$973.00M$1.03BUnavailableUnavailable
Income tax expense$301.00MUnavailable$201.00M$352.00MUnavailableUnavailable$199.00M$239.00MUnavailableUnavailable
Diluted EPS$2.59UnavailableUnavailable$2.86UnavailableUnavailableUnavailable$1.94UnavailableUnavailable
Selling, general & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Balance

Synchrony Financial balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
Cash & equivalents$16.19BUnavailable$14.97B$16.24BUnavailableUnavailable$14.71B$17.93BUnavailableUnavailable
Total assets$121.93BUnavailable$119.10B$116.98BUnavailableUnavailable$119.46B$119.23BUnavailableUnavailable
Current assetsUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total liabilities$105.03BUnavailable$102.33B$99.92BUnavailableUnavailable$102.88B$103.25BUnavailableUnavailable
Current liabilitiesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total equity incl. NCI$16.90BUnavailable$16.77B$17.06BUnavailableUnavailable$16.58B$15.98BUnavailableUnavailable
Temporary (mezzanine) equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts receivableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Goodwill$1.36BUnavailable$1.36B$1.27BUnavailableUnavailable$1.27B$1.27BUnavailableUnavailable
Long-term debt$16.43BUnavailable$15.18B$14.43BUnavailableUnavailable$15.46B$15.63BUnavailableUnavailable
Accounts payableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Cash flow

Synchrony Financial cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
Operating cash flow$2.42BUnavailable$2.45B$2.64BUnavailableUnavailable$2.35B$2.76BUnavailableUnavailable
Capital expendituresUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Investing cash flow-$5.19BUnavailable-$4.64B-$1.57BUnavailableUnavailable-$4.96B-$2.23BUnavailableUnavailable
Financing cash flow-$596.00MUnavailable$918.00M-$4.96BUnavailableUnavailable-$617.00M-$1.23BUnavailableUnavailable
Net change in cashUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Stock-based compensationUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Common dividends paid$100.00MUnavailable$106.00M$110.00MUnavailableUnavailable$97.00M$99.00MUnavailableUnavailable
Common share repurchases$878.00MUnavailable$962.00M$870.00MUnavailableUnavailable$101.00M$302.00MUnavailableUnavailable
Depreciation & amortization$145.00MUnavailable$139.00M$128.00MUnavailableUnavailable$120.00M$121.00MUnavailableUnavailable

Derived

Synchrony Financial derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
Free cash flowUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
FCF marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
SBC / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Current ratioUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Revenue YoY growthUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
R&D / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
CapEx / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Long-term debt / equity0.97xUnavailable0.91x0.85xUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Effective tax rate25.4%Unavailable21.1%24.6%UnavailableUnavailable20.5%23.2%UnavailableUnavailable

Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open SYF in the interactive workspace to inspect any figure back to its filing.

Source filings

10-Q · Filed 2026-07-23View SEC filing
10-Q · Filed 2026-04-23View SEC filing
10-K · Filed 2026-02-06View SEC filing
10-Q · Filed 2025-10-22View SEC filing
10-Q · Filed 2025-07-23View SEC filing
10-Q · Filed 2025-04-24View SEC filing

Companies in the same industry

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Reconciliation checks needing review

14 periods on this page do not reconcile under this site’s normalization. Read that as a limitation here before an observation about the company: the figures are the filer’s own, the filings linked above are authoritative, and a difference usually means the concepts this site selected do not match how this filer presents its statements. Nothing is adjusted to make a check pass.

gross profit bridgeinconsistent2026-03-31

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2026-03-31

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.

gross profit bridgeinconsistent2025-06-30

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2025-06-30

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2025-03-31

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.

gross profit bridgeinconsistent2025-03-31

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.

gross profit bridgeinconsistent2024-06-30

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2024-06-30

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.

gross profit bridgeinconsistent2024-03-31

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2024-03-31

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.

gross profit bridgeinconsistent2023-06-30

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2023-06-30

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.