SYNCHRONY FINANCIAL (SYF) Financial Statements
Historical financial data — 42 statements covering FY2016–FY2025
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and p...
SYNCHRONY FINANCIAL's revenue decreased 2.8% year over year, from $19.53B to $18.99B.
Net income increased 1.5% over the same period, from $3.50B to $3.55B.
Over the 9-year period from FY2016 to FY2025, revenue grew by 37% in total.
Total debt remained relatively stable at $15.18B.
The debt-to-equity ratio stands at 0.91, indicating a moderate leverage profile.
Operating cash flow grew 0.0% to $9.85B.
SYNCHRONY FINANCIAL maintains a healthy net profit margin of 18.7%.
Recent Financial Statements
Quarterly figures are standalone quarters, de-cumulated from YTD filings (Q4 = FY − Q3 YTD when not reported).
| Period | Revenue | Net Income | EBIT | Op. Cash Flow | Total Assets | Total Debt | Equity |
|---|---|---|---|---|---|---|---|
| Q3 FY2024 | $4.73B+4.6% | $789.0M | $1.03B | $2.76B | $119.23B | $15.63B | $15.98B |
| Q4 FY2024 | $4.72B-0.2% | $774.0M | $973.0M | $2.35B | $119.46B | $15.46B | $16.58B |
| Q1 FY2025 | $4.61B-2.3% | $757.0M | $984.0M | $2.20B | $122.03B | $17.01B | $16.58B |
| Q2 FY2025 | $4.64B+0.6% | $967.0M | $1.26B | $2.56B | $120.50B | $16.01B | $16.95B |
| Q3 FY2025 | $4.85B+4.5% | $1.08B | $1.43B | $2.64B | $116.98B | $14.43B | $17.07B |
| Q4 FY2025 | $4.89B+0.8% | $751.0M | $952.0M | $2.45B | $119.09B | $15.18B | $16.77B |
| Q1 FY2026 | $4.77B-2.4% | $805.0M | $1.05B | $2.18B | N/A | N/A | N/A |
| Q2 FY2026 | $4.75B-0.5% | $885.0M | N/A | $2.42B | N/A | N/A | N/A |
Balance Sheet Summary (FY2025)
SYNCHRONY FINANCIAL (SYF) Financial Statements & Revenue History
SYNCHRONY FINANCIAL (SYF) is a US-listed stock operating in the Financial Services sector, specifically the Finance Services industry trading at $73.74 with a market capitalization of $24. This page provides 42 historical financial statements for SYNCHRONY FINANCIAL, including income statement, balance sheet, and cash flow data across multiple reporting periods. Most recently, SYNCHRONY FINANCIAL reported revenue of $19.0 billion, a 2.8% decline from the prior year. The net profit margin of 18.7% reflects strong profitability. The debt-to-equity ratio of 0.91 reflects moderate leverage.
SYF Income Statement, Balance Sheet & Cash Flow
The financial statements table above shows SYNCHRONY FINANCIAL's revenue, net income, gross profit, EBIT, operating cash flow, total assets, total debt, and shareholders' equity across the most recent reporting periods. Year-over-year growth rates help identify whether SYF is accelerating or decelerating in terms of top-line revenue and bottom-line profitability.
- Revenue trend: Track SYF's top-line growth across quarters and fiscal years to identify acceleration or deceleration in the business.
- Profitability: Net income and gross profit margins reveal how efficiently SYNCHRONY FINANCIAL converts revenue into earnings.
- Balance sheet health: Total assets, liabilities, debt, and equity provide a snapshot of SYF's financial position and leverage.
- Cash flow: Operating cash flow shows how much cash the business generates from its core operations, which is critical for funding dividends, buybacks, and growth.
How to Use SYF Financial Data
Investors use SYNCHRONY FINANCIAL's financial statements to assess the company's financial health, growth trajectory, and valuation. Key metrics to focus on include:
- Revenue growth rate: Consistent double-digit revenue growth suggests a strong business; declining revenue may signal competitive pressure.
- Net profit margin: Higher margins indicate a more efficient business with pricing power. Compare SYF's margins to sector peers for context.
- Debt levels: High debt-to-equity ratios increase financial risk, especially in rising-rate environments. Low debt provides flexibility.
- Valuation multiples: See how SYF's P/E, P/S, and EV/EBITDA ratios compare to historical levels.
- Full analysis: View SYF's financial health score, earnings, and pre-market pricing.
Financial data is sourced from SYNCHRONY FINANCIAL's SEC filings (10-K, 10-Q) via Polygon.io and Finnhub.SYF trades on NYSE. This page is for informational purposes only and is not financial advice.