SYNCHRONY FINANCIAL (SYF) Financial Statements
Historical financial data — 41 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
| Period | Revenue | Net Income | Gross Profit | EBIT | Op. Cash Flow | Total Assets | Total Debt | Equity |
|---|---|---|---|---|---|---|---|---|
| Q3 FY2023 | $12.75B+53.7% | $1.80B | N/A | $2.37B | $6.28B | $112.94B | $15.23B | $13.77B |
| Q1 FY2024 | $5.56B-56.4% | $1.29B | N/A | $1.71B | $2.25B | $121.17B | $16.13B | $15.28B |
| Q2 FY2024 | $10.08B+81.3% | $1.94B | N/A | $2.55B | $4.73B | $120.49B | $15.64B | $15.54B |
| Q3 FY2024 | $14.81B+46.9% | $2.73B | N/A | $3.58B | $7.50B | $119.23B | $15.63B | $15.98B |
| Q1 FY2025 | $4.61B-68.9% | $757.0M | N/A | $984.0M | $2.20B | $122.03B | $17.01B | $16.58B |
| Q2 FY2025 | $9.25B+100.6% | $1.72B | N/A | $2.24B | $4.76B | $120.50B | $16.01B | $16.95B |
| Q3 FY2025 | $14.10B+52.4% | $2.80B | N/A | $3.67B | $7.40B | $116.98B | $14.43B | $17.07B |
| Q1 FY2026 | $4.77B-66.2% | $805.0M | N/A | $1.05B | $2.18B | $121.50B | $16.43B | $16.48B |
Balance Sheet Summary (Latest Period)
Total Assets
$119.09B
Total Liabilities
$102.33B
Total Equity
$16.77B
Cash & Equivalents
$14.97B
Total Debt
$15.18B
Current Assets
N/A
Current Liabilities
N/A
Retained Earnings
$24.60B