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Synchrony Financial(SYF)Earnings, Financials & Key Ratios
SYF•NYSE•Banking & Credit
$73.78
$25.65B mkt cap·7.9× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutSynchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.Show more
- Net Interest Income$18.47B+2.5%
- Total Revenue$19.12B-7.9%
- Net Income$3.55B+1.5%
- Return on Equity21.3%-7.2%
- Net Interest Margin15.51%+2.8%
- Efficiency Ratio26.86%+15.2%
- ROA2.98%+0.8%
- Equity / Assets14.08%+1.4%
- Book Value per Share46.85+13.2%
- Tangible BV/Share39.54+9.6%
- Debt/Equity0.91-2.9%
SYF Key Insights
Synchrony Financial (SYF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Excellent 3Y average ROE of 20.3%
- ✓Strong 5Y profit CAGR of 20.7%
- ✓Strong Piotroski F-Score: 7/9
- ✓Strong NIM of 15.5%
- ✓Efficient operations: 26.9% efficiency ratio
- ✓Well capitalized: 14.1% equity/assets
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
SYF Price & Volume
Synchrony Financial (SYF) stock price & volume — 10-year historical chart
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SYF Growth Metrics
Synchrony Financial (SYF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years5.8%
5 Years8.31%
3 Years13.15%
TTM-
Profit CAGR
10 Years4.84%
5 Years20.73%
3 Years5.6%
TTM21.5%
EPS CAGR
10 Years13.36%
5 Years32.56%
3 Years14.74%
TTM32.65%
Return on Capital
10 Years11.6%
5 Years13.51%
3 Years11.26%
Last Year12.27%
SYF Recent Earnings
Synchrony Financial (SYF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 21, 2026EPS
$2.27
Est $2.22
+2.3%
Revenue
$3.7B
Est $3.8B
-2.4%
Q1 2026
Jan 27, 2026EPS
$2.07
Est $2.05
+1.0%
Revenue
$3.8B
Est $3.8B
-1.2%
Q4 2025
Oct 15, 2025EPS
$2.86
Est $2.26
+26.5%
Revenue
$4.8B
Est $3.8B
+27.3%
Q3 2025
Jul 22, 2025EPS
$2.50
Est $1.82
+37.4%
Revenue
$4.7B
Est $3.7B
+27.1%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $2.27vs $2.22+2.3% | $3.7Bvs $3.8B-2.4% |
| Q1 2026 | Jan 27, 2026 | $2.07vs $2.05+1.0% | $3.8Bvs $3.8B-1.2% |
| Q4 2025 | Oct 15, 2025 | $2.86vs $2.26+26.5% | $4.8Bvs $3.8B+27.3% |
| Q3 2025 | Jul 22, 2025 | $2.50vs $1.82+37.4% | $4.7Bvs $3.7B+27.1% |
Based on last 12 quarters of dataView full earnings history →
SYF Peer Comparison
Synchrony Financial (SYF) competitors in Consumer Credit Issuers and Installment Lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 COF | 117.42B | 189.68 | 47.07 | 28.39% | 3.54% | 2.44% | 22.26% | 0.45 |
 BFH | 3.91B | 85.09 | 7.76 | -2.06% | 11.02% | 16.09% | 53.45% | 1.32 |
 ALLY | 13.33B | 43.21 | 18.23 | -25.75% | 7.01% | 5.5% | 1.40 | |
 MA | 440.02B | 497.08 | 30.09 | 16.42% | 45.65% | 205.79% | 3.84% | 2.45 |
 V | 617.8B | 322.03 | 31.57 | 11.34% | 50.14% | 58.9% | 3.49% | 0.66 |
 AXP | 216.67B | 315.95 | 20.54 | 8.44% | 13.46% | 33.95% | 7.39% | 1.73 |
 BAC | 404.29B | 53.12 | 13.91 | -1.91% | 16.23% | 10.1% | 3.12% | 1.21 |
 JPM | 834.2B | 309.40 | 15.67 | 14.61% | 21.59% | 16.11% | 2.18 |
Compare SYF vs Peers
Synchrony Financial (SYF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SYF Income Statement
Synchrony Financial (SYF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 15.02B | 16.12B | 16.8B | 14.4B | 14.24B | 15.63B | 17B | 18.01B | 18.47B | 18.64B |
| NII Growth % | 10.98% | 7.34% | 4.23% | -14.27% | -1.13% | 9.73% | 8.79% | 5.95% | 2.53% | 12.55% |
| Net Interest Margin % | 15.67% | 15.09% | 16.03% | 15.01% | 14.87% | 14.94% | 14.47% | 15.08% | 15.51% | 15.34% |
| Interest Income | 16.41B | 17.99B | 19.09B | 16.07B | 15.27B | 17.15B | 20.71B | 22.64B | 22.6B | 22.65B |
| Interest Expense | 1.39B | 1.87B | 2.29B | 1.67B | 1.03B | 1.52B | 3.71B | 4.63B | 4.13B | 4.02B |
| Loan Loss Provision | 5.3B | 5.54B | 4.18B | 5.31B | 726M | 3.38B | 5.96B | 6.73B | 5.22B | 3.73B |
| Non-Interest Income | -2.65B | -2.83B | -3.49B | -3.24B | -4.05B | -3.95B | -3.37B | -1.89B | -3.48B | -2.74B |
| Non-Interest Income % | -19.25% | -18.7% | -22.35% | -25.26% | -36.06% | -29.94% | -19.45% | -9.09% | -18.23% | -13.75% |
| Total Revenue | 13.76B▲ 0% | 15.15B▲ 10.1% | 15.6B▲ 3.0% | 12.83B▼ 17.8% | 11.22B▼ 12.5% | 13.2B▲ 17.6% | 17.34B▲ 31.4% | 20.76B▲ 19.7% | 19.12B▼ 7.9% | 19.91B▲ 0% |
| Revenue Growth % | 12.59% | 10.15% | 2.96% | -17.79% | -12.5% | 17.56% | 31.4% | 19.73% | -7.91% | 6.77% |
| Non-Interest Expense | 3.75B | 4.09B | 4.25B | 4.05B | 3.96B | 4.34B | 4.76B | 4.84B | 5.13B | 7.61B |
| Efficiency Ratio | 27.24% | 27.02% | 27.21% | 31.61% | 35.31% | 32.87% | 27.44% | 23.31% | 26.86% | 38.23% |
| Operating Income | 3.32B▲ 0% | 3.64B▲ 9.6% | 4.89B▲ 34.1% | 1.8B▼ 63.2% | 5.5B▲ 206.2% | 3.96B▼ 28.0% | 2.9B▼ 26.7% | 4.55B▲ 56.8% | 4.62B▲ 1.5% | 4.55B▲ 0% |
| Operating Margin % | 24.16% | 24.05% | 31.32% | 14.01% | 49.03% | 30.03% | 16.75% | 21.93% | 24.17% | 22.85% |
| Operating Income Growth % | -6.89% | 9.63% | 34.11% | -63.23% | 206.23% | -28% | -26.7% | 56.78% | 1.49% | - |
| Pretax Income | 3.32B▲ 0% | 3.64B▲ 9.6% | 4.89B▲ 34.1% | 1.8B▼ 63.2% | 5.5B▲ 206.2% | 3.96B▼ 28.0% | 2.9B▼ 26.7% | 4.55B▲ 56.8% | 4.62B▲ 1.5% | 4.68B▲ 0% |
| Pretax Margin % | 24.16% | 24.05% | 31.32% | 14.01% | 49.03% | 30.03% | 16.75% | 21.93% | 24.17% | 23.52% |
| Income Tax | 1.39B | 854M | 1.14B | 412M | 1.28B | 946M | 666M | 1.05B | 1.07B | 1.08B |
| Effective Tax Rate % | 41.79% | 23.44% | 23.33% | 22.93% | 23.3% | 23.88% | 22.93% | 23.15% | 23.13% | 23.14% |
| Net Income | 1.94B▲ 0% | 2.79B▲ 44.2% | 3.75B▲ 34.3% | 1.39B▼ 63.0% | 4.22B▲ 204.8% | 3.02B▼ 28.5% | 2.24B▼ 25.8% | 3.5B▲ 56.3% | 3.55B▲ 1.5% | 3.6B▲ 0% |
| Net Margin % | 14.06% | 18.41% | 24.01% | 10.8% | 37.61% | 22.86% | 12.91% | 16.86% | 18.58% | 18.08% |
| Net Income Growth % | -14.04% | 44.19% | 34.3% | -63.04% | 204.77% | -28.55% | -25.8% | 56.34% | 1.51% | 21.5% |
| Net Income (Continuing) | 1.94B | 2.79B | 3.75B | 1.39B | 4.22B | 3.02B | 2.24B | 3.5B | 3.55B | 3.6B |
| EPS (Diluted) | 2.42▲ 0% | 3.74▲ 54.5% | 5.56▲ 48.7% | 2.27▼ 59.2% | 7.34▲ 223.3% | 6.15▼ 16.2% | 5.19▼ 15.6% | 8.55▲ 64.7% | 9.29▲ 8.7% | 10.40▲ 0% |
| EPS Growth % | -10.7% | 54.55% | 48.66% | -59.17% | 223.35% | -16.21% | -15.61% | 64.74% | 8.65% | 32.65% |
| EPS (Basic) | 2.43 | 3.76 | 5.59 | 2.28 | 7.40 | 6.19 | 5.21 | 8.64 | 9.35 | - |
| Diluted Shares Outstanding | 799.7M | 746.9M | 673.5M | 590.8M | 569.3M | 483.4M | 423.5M | 400.6M | 357.84M | 346M |
SYF Balance Sheet
Synchrony Financial (SYF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 16.07B | 15.46B | 18.06B | 18.99B | 13.62B | 15.17B | 18.06B | 17.79B | 17.32B | 79.2B |
| Cash & Due from Banks | 11.6B | 9.4B | 12.15B | 11.52B | 8.34B | 10.29B | 14.26B | 14.71B | 14.97B | 20.56B |
| Short Term Investments | 4.47B | 6.06B | 5.91B | 7.47B | 5.28B | 4.88B | 3.8B | 3.08B | 2.35B | 0 |
| Total Investments | 86.42B | 99.2B | 93.85B | 89.34B | 90.38B | 97.35B | 107.04B | 107.8B | 95.71B | 92.7B |
| Investments Growth % | 6.11% | 14.79% | -5.39% | -4.81% | 1.17% | 7.71% | 9.96% | 0.71% | -11.21% | -44.01% |
| Long-Term Investments | 81.95B | 93.14B | 87.94B | 81.87B | 85.1B | 92.47B | 103.24B | 104.72B | 93.37B | 365.46B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 89.66B |
| Goodwill & Intangibles | 1.74B | 2.16B | 2.34B | 2.2B | 2.27B | 1.85B | 1.83B | 2.13B | 2.62B | 2.59B |
| Goodwill | 991M | 1.02B | 1.08B | 1.08B | 1.1B | 1.1B | 1.02B | 1.27B | 1.36B | 1.36B |
| Intangible Assets | 749M | 1.14B | 1.26B | 1.13B | 1.17B | 742M | 815M | 854M | 1.25B | 1.22B |
| PP&E (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | -3.95B | -3.97B | -3.52B | -7.12B | -5.25B | -4.93B | -5.66B | -5.18B | 5.79B | -92.7B |
| Total Current Assets | 16.07B | 15.46B | 18.06B | 18.99B | 13.62B | 15.17B | 18.06B | 17.79B | 17.32B | 110.22B |
| Total Non-Current Assets | 79.73B | 91.33B | 86.77B | 76.95B | 82.13B | 89.39B | 99.42B | 101.67B | 101.77B | 2.59B |
| Total Assets | 95.81B▲ 0% | 106.79B▲ 11.5% | 104.83B▼ 1.8% | 95.95B▼ 8.5% | 95.75B▼ 0.2% | 104.56B▲ 9.2% | 117.48B▲ 12.4% | 119.46B▲ 1.7% | 119.09B▼ 0.3% | 121.5B▲ 0% |
| Asset Growth % | 6.21% | 11.46% | -1.84% | -8.47% | -0.21% | 9.21% | 12.35% | 1.69% | -0.31% | -2.61% |
| Return on Assets (ROA) | 2.08% | 2.75% | 3.54% | 1.38% | 4.4% | 3.01% | 2.02% | 2.95% | 2.98% | 3.01% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 20.8B | 24B | 19.87B | 15.78B | 14.51B | 14.19B | 15.98B | 15.46B | 15.18B | 16.43B |
| Net Debt | 9.2B | 14.6B | 7.72B | 4.25B | 6.17B | 3.9B | 1.72B | 751M | 209M | -4.13B |
| Long-Term Debt | 20.8B | 24B | 19.87B | 15.78B | 14.51B | 14.19B | 15.98B | 15.46B | 15.18B | 16.43B |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 6.44B | 5.36B | 6B | 88.6B |
| Total Current Liabilities | 60.77B | 68.12B | 69.87B | 67.47B | 67.59B | 77.5B | 81.15B | 82.06B | 81.14B | 0 |
| Total Non-Current Liabilities | 20.8B | 24B | 19.87B | 15.78B | 14.51B | 14.19B | 22.42B | 20.82B | 21.18B | 105.02B |
| Total Liabilities | 81.57B | 92.11B | 89.74B | 83.25B | 82.09B | 91.69B | 103.58B | 102.88B | 102.33B | 105.02B |
| Total Equity | 14.23B▲ 0% | 14.68B▲ 3.1% | 15.09B▲ 2.8% | 12.7B▼ 15.8% | 13.65B▲ 7.5% | 12.87B▼ 5.7% | 13.9B▲ 8.0% | 16.58B▲ 19.3% | 16.77B▲ 1.1% | 16.48B▲ 0% |
| Equity Growth % | 0.27% | 3.12% | 2.79% | -15.82% | 7.51% | -5.73% | 8% | 19.25% | 1.12% | 16.37% |
| Equity / Assets (Capital Ratio) | 14.86% | 13.74% | 14.39% | 13.24% | 14.26% | 12.31% | 11.83% | 13.88% | 14.08% | 13.56% |
| Return on Equity (ROE) | 13.61% | 19.3% | 25.18% | 9.97% | 32.03% | 22.74% | 16.72% | 22.96% | 21.3% | 21.41% |
| Book Value per Share | 17.80 | 19.65 | 22.40 | 21.50 | 23.99 | 26.63 | 32.83 | 41.39 | 46.85 | 47.62 |
| Tangible BV per Share | 15.62 | 16.76 | 18.92 | 17.77 | 19.99 | 22.81 | 28.50 | 36.08 | 39.54 | 40.15 |
| Common Stock | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M |
| Additional Paid-in Capital | 9.45B | 9.48B | 9.54B | 9.57B | 9.67B | 9.72B | 9.78B | 9.85B | 8.95B | 9.84B |
| Retained Earnings | 6.81B | 8.99B | 12.12B | 10.62B | 14.24B | 16.72B | 18.66B | 21.64B | 24.6B | 25.21B |
| Accumulated OCI | -64M | -62M | -58M | -51M | -69M | -125M | -68M | -59M | -48M | -56M |
| Treasury Stock | -1.96B | -3.73B | -7.24B | -8.17B | -10.93B | -14.17B | -15.2B | -16.07B | -17.96B | -19.74B |
| Preferred Stock | 0 | 0 | 734M | 734M | 734M | 734M | 734M | 1.22B | 1.22B | 1.22B |
SYF Cash Flow Statement
Synchrony Financial (SYF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 8.92B | 9.34B | 8.99B | 7.49B | 7.1B | 6.69B | 8.59B | 9.85B | 9.85B | 9.85B |
| Operating CF Growth % | 30.68% | 4.78% | -3.77% | -16.72% | -5.18% | -5.71% | 28.37% | 14.6% | 0.03% | 2.02% |
| Net Income | 1.94B | 2.79B | 3.75B | 1.39B | 4.22B | 3.02B | 2.24B | 3.5B | 3.55B | 3.6B |
| Depreciation & Amortization | 254M | 302M | 367M | 383M | 390M | 419M | 458M | 481M | 514M | 532M |
| Deferred Taxes | 385M | -53M | 23M | -602M | 219M | -421M | -458M | -98M | 184M | 158M |
| Other Non-Cash Items | 649M | 6.15B | 4.79B | 6.03B | 1.25B | 3.95B | 6.7B | 6.17B | 5.22B | 4.81B |
| Working Capital Changes | 397M | 157M | 65M | 291M | 1.02B | -269M | -345M | -205M | 376M | 731M |
| Cash from Investing | -9.41B | -19.04B | -261M | -498M | -4.81B | -10.23B | -14.23B | -8.9B | -4.85B | -6.93B |
| Purchase of Investments | -3.16B | -7.27B | -7.86B | -9.91B | -2.99B | -3.87B | -3.62B | -2.81B | -1.19B | -1.9B |
| Sale/Maturity of Investments | 3.76B | 5.67B | 8.09B | 8.38B | 5.08B | 3.98B | 5.01B | 3.62B | 1.95B | 1.1B |
| Net Investment Activity | 603M | -1.6B | 229M | -1.53B | 2.09B | 118M | 1.39B | 805M | 765M | -800M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1.44B | -161M | -161M |
| Other Investing | -10.01B | -17.43B | -490M | 1.03B | -6.9B | -10.35B | -15.62B | -8.26B | -5.46B | -5.97B |
| Cash from Financing | 2.77B | 8.25B | -6.46B | -8.03B | -5.2B | 5.28B | 9.63B | -611M | -4.74B | -4.97B |
| Dividends Paid | -446M | -534M | -581M | -562M | -542M | -476M | -448M | -470M | -510M | -413M |
| Share Repurchases | -1.5B | -1.87B | -3.62B | -985M | -2.88B | -3.32B | -1.11B | -1.01B | -2.94B | -3.24B |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -1.5B | -1.87B | -3.62B | -985M | -2.88B | -3.32B | -1.11B | -1.01B | -2.94B | -3.24B |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
| Other Financing | 4.08B | 7.47B | 1.15B | -2.38B | -505M | 9.41B | 9.41B | 915M | -989M | -388M |
| Net Change in Cash | 2.28B▲ 0% | -1.44B▼ 163.2% | 2.27B▲ 257.6% | -1.04B▼ 145.9% | -2.92B▼ 180.1% | 1.74B▲ 159.7% | 3.99B▲ 128.8% | 334M▼ 91.6% | 262M▼ 21.6% | -2.07B▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 9.32B | 11.82B | 10.38B | 12.65B | 11.61B | 8.69B | 10.43B | 14.42B | 14.76B | 15.02B |
| Cash at End | 11.6B | 10.38B | 12.65B | 11.61B | 8.69B | 10.43B | 14.42B | 14.76B | 15.02B | 20.6B |
| Interest Paid | 1.35B | 1.81B | 2.27B | 1.69B | 1.03B | 1.36B | 3.55B | 4.66B | 4.16B | 0 |
| Income Taxes Paid | 754M | 772M | 1.02B | 847M | 1.11B | 1.29B | 1.13B | 1.09B | 0 | 0 |
| Free Cash Flow | 8.92B▲ 0% | 9.34B▲ 4.8% | 8.99B▼ 3.8% | 7.49B▼ 16.7% | 7.1B▼ 5.2% | 6.69B▼ 5.7% | 8.59B▲ 28.4% | 9.85B▲ 14.6% | 9.85B▲ 0.0% | 9.83B▲ 0% |
| FCF Growth % | 30.68% | 4.78% | -3.77% | -16.72% | -5.18% | -5.71% | 28.37% | 14.6% | 0.03% | 0.35% |
SYF Banking Ratios
Synchrony Financial (SYF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 13.61% | 19.3% | 25.18% | 9.97% | 32.03% | 22.74% | 16.72% | 22.96% | 21.3% | 21.41% |
| Return on Assets (ROA) | 2.08% | 2.75% | 3.54% | 1.38% | 4.4% | 3.01% | 2.02% | 2.95% | 2.98% | 3.01% |
| Net Interest Margin | 15.67% | 15.09% | 16.03% | 15.01% | 14.87% | 14.94% | 14.47% | 15.08% | 15.51% | 15.34% |
| Efficiency Ratio | 27.24% | 27.02% | 27.21% | 31.61% | 35.31% | 32.87% | 27.44% | 23.31% | 26.86% | 38.23% |
| Equity / Assets | 14.86% | 13.74% | 14.39% | 13.24% | 14.26% | 12.31% | 11.83% | 13.88% | 14.08% | 13.56% |
| Book Value / Share | 17.8 | 19.65 | 22.4 | 21.5 | 23.99 | 26.63 | 32.83 | 41.39 | 46.85 | 47.62 |
| NII Growth | 10.98% | 7.34% | 4.23% | -14.27% | -1.13% | 9.73% | 8.79% | 5.95% | 2.53% | 3.14% |
| Dividend Payout | 23.05% | 19.14% | 15.51% | 37.55% | 11.85% | 14.39% | 18.14% | 11.37% | 12.02% | 9.17% |
SYF SEC Filings & Documents
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SYF Frequently Asked Questions
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Growth & Financials
Synchrony Financial (SYF) saw revenue decline by 7.9% over the past year.
Yes, Synchrony Financial (SYF) is profitable, generating $3.60B in net income for fiscal year 2025 (18.6% net margin).
Dividend & Returns
Yes, Synchrony Financial (SYF) pays a dividend with a yield of 1.62%. This makes it attractive for income-focused investors.
Synchrony Financial (SYF) has a return on equity (ROE) of 21.3%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
Synchrony Financial (SYF) has a net interest margin (NIM) of 15.5%. This indicates healthy earnings from lending activities.
Synchrony Financial (SYF) has an efficiency ratio of 26.9%. This is excellent, indicating strong cost control.
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