Synchrony Financial (SYF-PB) Earnings History
Annual and quarterly earnings data from 2012 to 2025
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SYF-PB EPS Growth (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.
SYF-PB Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 51.0% | 24.2% | 18.6% |
| 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% |
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Synchrony Financial (SYF-PB) Earnings Overview
As of May 7, 2026, Synchrony Financial (SYF-PB) reported trailing twelve-month net income of $3.60B, reflecting +8.7% year-over-year growth. The company earned $10.40 per diluted share over the past four quarters, with a net profit margin of 18.6%.
Looking at the long-term picture, SYF-PB's 5-year EPS compound annual growth rate (CAGR) stands at +32.6%, indicating exceptional earnings growth. The company achieved its highest annual net income of $4.22B in fiscal 2021.
Synchrony Financial maintains industry-leading profitability with a gross margin of 51.0%, operating margin of 24.2%, and net margin of 18.6%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including COF ($2.45B net income, 3.5% margin), BFH ($518M net income, 11.0% margin), ALLY ($852M net income, 7.0% margin), SYF-PB has outperformed on profitability metrics. Compare SYF-PB vs COF →
SYF-PB Earnings vs Peers
Earnings metrics vs comparable public companies
SYF-PB Historical Earnings Data (2012–2025)
14 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $3.55B | +1.5% | $4.62B | $9.29 | 18.6% | 24.2% |
| 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% |
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Start ComparisonSYF-PB — Frequently Asked Questions
Quick answers to the most common questions about buying SYF-PB stock.
Is SYF-PB growing earnings?
SYF-PB EPS stands at $10.40, with +8.7% growth matching the 5-year CAGR of +32.6%. TTM net income is $3.6B. Earnings trajectory remains consistent.
What are SYF-PB's profit margins?
Synchrony Financial net margin is +18.6%, with operating margin at +24.2%. Above-average margins indicate pricing power.
How consistent are SYF-PB's earnings?
SYF-PB earnings data spans 2012-2025. The current earnings trend is +8.7% YoY. Historical data enables comparison across business cycles.