Synchrony Financial (SYF-PB) Earnings History
Elite Compounder14 years of earnings data (2012–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
Loading earnings history...
Synchrony Financial (SYF-PB) Earnings Overview
As of June 28, 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 ($3.22B net income, 3.5% margin), BFH ($561M net income, 11.0% margin), ALLY ($1.40B 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% |
| 2015 | $2.21B | +5.0% | $3.53B | $2.65 | 20.3% | 32.4% |
| 2014 | $2.11B | +6.6% | $3.39B | $2.78 | 20.8% | 33.4% |
| 2013 | $1.98B | -6.6% | $3.14B | $2.38 | 21.0% | 33.3% |
| 2012 | $2.12B | - | $3.38B | $2.55 | 24.1% | 38.3% |
Download Data
Export SYF-PB earnings history in CSV or JSON format
Free sign-in required to download data
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
14+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
SYF-PB — Frequently Asked Questions
Quick answers to the most common questions about buying SYF-PB stock.
What is SYF-PB earnings per share (EPS)?
SYF-PB trailing twelve-month (TTM) diluted EPS is $10.40, reflecting +8.7% year-over-year growth. The 5-year EPS CAGR is +32.6%. Complete EPS history from 2012 to 2025 is available in the table on this page.
What is Synchrony Financial's net income?
Synchrony Financial (SYF-PB) trailing twelve-month net income is $3.6B as of 2025. Earnings grew +8.7% year-over-year. Synchrony Financial has been profitable for 14 consecutive years.
Is SYF-PB profitable?
Yes, SYF-PB is profitable with a TTM net income of $3.6B and a net profit margin of +18.6%. Synchrony Financial has generated profits for 14 consecutive years.
What is SYF-PB's earnings growth rate?
SYF-PB compound annual EPS growth rates (CAGR): 1-Year: +8.7%, 3-Year: +14.7%, 5-Year: +32.6%, 10-Year: +13.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2012 to 2025.
What are SYF-PB's profit margins?
Synchrony Financial net profit margin is +18.6%, operating margin is +24.2%, and gross margin is +51.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +21.3%.
Is SYF-PB growing earnings?
SYF-PB is growing earnings steadily. YoY EPS growth of +8.7% is consistent with the 5-year CAGR of +32.6%. TTM net income is $3.6B.
What was SYF-PB's best earnings year?
Synchrony Financial's highest annual net income on record is $4.2B, achieved in fiscal year 2021. Earnings history on this page spans 2012 to 2025 and includes all annual and quarterly figures.
What were SYF-PB's earnings last quarter?
SYF-PB's most recent reported quarter was Q1 2026. Net income was $805M with diluted EPS of $2.27. For a full breakdown of all quarters, see the quarterly earnings table on this page.