Synchrony Financial (SYF) Earnings History
Annual and quarterly earnings data from 2012 to 2025
Loading earnings history...
SYF 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 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% |
Download Data
Export SYF earnings history in CSV or JSON format
Free sign-in required to download data
Synchrony Financial (SYF) Earnings Overview
As of May 8, 2026, Synchrony Financial (SYF) 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'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 has outperformed on profitability metrics. Compare SYF vs COF →
SYF Earnings vs Peers
Earnings metrics vs comparable public companies
SYF 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% |
Full SYF Stock Analysis
Analyst consensus, bull case, AI-generated risk factors, and peer comparison — all in one place.
See SYF's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs SYF Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare SYF vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonSYF — Frequently Asked Questions
Quick answers to the most common questions about buying SYF stock.
Is SYF growing earnings?
SYF 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'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's earnings?
SYF earnings data spans 2012-2025. The current earnings trend is +8.7% YoY. Historical data enables comparison across business cycles.