Synchrony Financial (SYF-PB) Earnings History
Annual and quarterly earnings data from 2012 to 2024
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 45.2% | 21.9% | 16.9% |
| 2023 | 44.2% | 16.7% | 12.9% |
| 2022 | 62.9% | 30.0% | 22.9% |
| 2021 | 84.3% | 49.0% | 37.6% |
| 2020 | 45.6% | 14.0% | 10.8% |
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Synchrony Financial (SYF-PB) Earnings Overview
As of March 1, 2026, Synchrony Financial (SYF-PB) reported trailing twelve-month net income of $3.58B, reflecting +0.6% year-over-year growth. The company earned $9.42 per diluted share over the past four quarters, with a net profit margin of 0.2%.
Looking at the long-term picture, SYF-PB's 5-year EPS compound annual growth rate (CAGR) stands at +9.0%, showing solid earnings momentum. The company achieved its highest annual net income of $4.22B in fiscal 2021.
Synchrony Financial maintains positive profitability with a gross margin of 0.5%, operating margin of 0.2%, and net margin of 0.2%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including COF ($1.42B net income, 0.1% margin), SYF ($3.58B net income, 0.2% margin), OMF ($705M net income, 0.1% margin), SYF-PB has outperformed on profitability metrics. Compare SYF-PB vs COF →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
13 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $3.50B | +56.3% | $4.55B | $8.55 | 16.9% | 21.9% |
| 2023 | $2.24B | -25.8% | $2.90B | $5.19 | 12.9% | 16.7% |
| 2022 | $3.02B | -28.5% | $3.96B | $6.15 | 22.9% | 30.0% |
| 2021 | $4.22B | +204.8% | $5.50B | $7.34 | 37.6% | 49.0% |
| 2020 | $1.39B | -63.0% | $1.80B | $2.27 | 10.8% | 14.0% |
| 2019 | $3.75B | +34.3% | $4.89B | $5.56 | 24.0% | 31.3% |
| 2018 | $2.79B | +44.2% | $3.64B | $3.74 | 18.4% | 24.0% |
| 2017 | $1.94B | -14.0% | $3.32B | $2.42 | 14.1% | 24.2% |
| 2016 | $2.25B | +1.7% | $3.57B | $2.71 | 18.4% | 29.2% |
| 2015 | $2.21B | +5.0% | $3.53B | $2.65 | 20.3% | 32.4% |
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Start ComparisonFrequently Asked Questions
Is SYF-PB growing earnings?
SYF-PB EPS of $9.42 reflects slowing growth at +0.6%, below the 5-year CAGR of +9.0%. TTM net income is $3.6B. Expansion rate has moderated.
What are SYF-PB's profit margins?
Synchrony Financial net margin is +0.2%, with operating margin at +0.2%. Below-average margins reflect competitive or cost pressures.
How consistent are SYF-PB's earnings?
SYF-PB earnings data spans 2012-2024. The current earnings trend is +0.6% YoY. Historical data enables comparison across business cycles.