Synchrony Financial (SYF) quarterly income statement — complete revenue, gross profit & net income history
Synchrony Financial (SYF) annual income statement — 14-year revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Net Interest Income | 4.81B | 4.61B | 4.63B | 4.76B | 4.72B | 4.52B | 4.46B | 4.59B | 4.61B | 4.41B | 4.41B | 4.47B | 4.36B | 4.12B | 4.05B | 4.11B | 3.93B | 3.8B | 3.79B | 3.83B |
| NII Growth % | 1.89% | 1.92% | 3.83% | 3.68% | 2.41% | 2.63% | 1.34% | 2.82% | 5.66% | 6.92% | 8.74% | 8.77% | 11.05% | 8.36% | 6.91% | 7.21% | 7.38% | 14.79% | 10.18% | 4.67% |
| Net Interest Margin % | 3.93% | 3.78% | 3.81% | 4% | 4.03% | 3.75% | 3.66% | 3.84% | 3.87% | 3.66% | 3.64% | 3.8% | 3.86% | 3.79% | 3.76% | 3.93% | 3.9% | 3.99% | 3.98% | 4% |
| Interest Income | 5.79B | 5.58B | 5.6B | 5.73B | 5.73B | 5.59B | 5.55B | 5.71B | 5.79B | 5.58B | 5.57B | 5.55B | 5.35B | 5.02B | 4.79B | 4.71B | 4.34B | 4.07B | 4.02B | 4.05B |
| Interest Expense | 979M | 975M | 968M | 973M | 1.01B | 1.06B | 1.09B | 1.12B | 1.18B | 1.18B | 1.16B | 1.08B | 992M | 901M | 735M | 602M | 414M | 272M | 233M | 223M |
| Loan Loss Provision | 1.27B | 1.2B | 1.33B | 1.44B | 1.15B | 1.15B | 1.49B | 1.56B | 1.6B | 1.69B | 1.88B | 1.8B | 1.49B | 1.38B | 1.29B | 1.2B | 929M | 724M | 521M | 561M |
| Non-Interest Income | -991M | -890M | -937M | -968M | -897M | -874M | -746M | -791M | -795M | -693M | -676M | -807M | -887M | -826M | -852M | -1.01B | -1.01B | -929M | -996M | -1.1B |
| Non-Interest Income % | -25.96% | -23.94% | -25.34% | -25.52% | -23.46% | -23.96% | -20.06% | -20.81% | -20.84% | -18.67% | -18.13% | -22.06% | -25.53% | -25.08% | -26.63% | -32.75% | -34.75% | -32.34% | -35.66% | -40.29% |
| Total Net Revenue | 3.82B | 3.72B | 3.7B | 3.79B | 3.82B | 3.65B | 3.72B | 3.8B | 3.81B | 3.71B | 3.73B | 3.66B | 3.48B | 3.29B | 3.2B | 3.09B | 2.92B | 2.87B | 2.79B | 2.73B |
| Revenue Growth % | -0.13% | 1.95% | -0.54% | -0.21% | 0.24% | -1.75% | -0.29% | 3.88% | 9.76% | 12.69% | 16.57% | 18.3% | 19.21% | 14.65% | 14.54% | 13.3% | 17.26% | 7.97% | 8.21% | 1.34% |
| Non-Interest Expense | 1.37B | 1.33B | 1.32B | 1.4B | 1.25B | 1.25B | 1.24B | 1.27B | 1.19B | 1.18B | 137M | 1.32B | 1.15B | 1.17B | 1.12B | 1.15B | 1.06B | 1.08B | 1.04B | 1.12B |
| Efficiency Ratio | 35.91% | 35.8% | 35.59% | 36.88% | 32.64% | 34.14% | 33.43% | 33.33% | 31.17% | 31.71% | 3.67% | 35.97% | 33.21% | 35.49% | 34.98% | 37.21% | 36.5% | 37.7% | 37.2% | 41.1% |
| Operating Income | 1.18B | 1.19B | 1.05B | 952M | 1.43B | 1.26B | 984M | 973M | 1.03B | 844M | 1.71B | 539M | 833M | 742M | 790M | 741M | 922M | 1.07B | 1.23B | 1.05B |
| Operating Margin % | 30.93% | 31.9% | 28.31% | 25.1% | 37.38% | 34.44% | 26.47% | 25.6% | 26.95% | 22.74% | 45.8% | 14.73% | 23.97% | 22.53% | 24.7% | 23.96% | 31.63% | 37.1% | 44.15% | 38.35% |
| Operating Income Growth % | -17.35% | -5.57% | 6.4% | -2.16% | 39.01% | 48.82% | -42.39% | 80.52% | 23.41% | 13.75% | 116.2% | -27.26% | -9.65% | -30.39% | -35.93% | -29.23% | -38.53% | -35.04% | -6.24% | 10.91% |
| Pretax Income | 1.18B | 1.19B | 1.05B | 952M | 1.43B | 1.26B | 984M | 973M | 1.03B | 844M | 1.71B | 539M | 833M | 742M | 790M | 741M | 922M | 1.07B | 1.23B | 1.05B |
| Pretax Margin % | 30.93% | 31.9% | 28.31% | 25.1% | 37.38% | 34.44% | 26.47% | 25.6% | 26.95% | 22.74% | 45.8% | 14.73% | 23.97% | 22.53% | 24.7% | 23.96% | 31.63% | 37.1% | 44.15% | 38.35% |
| Income Tax | 289M | 301M | 242M | 201M | 352M | 289M | 227M | 199M | 239M | 201M | 415M | 99M | 205M | 173M | 189M | 164M | 219M | 262M | 301M | 234M |
| Effective Tax Rate % | 24.47% | 25.38% | 23.11% | 21.11% | 24.63% | 23.01% | 23.07% | 20.45% | 23.25% | 23.82% | 24.3% | 18.37% | 24.61% | 23.32% | 23.92% | 22.13% | 23.75% | 24.58% | 24.41% | 22.35% |
| Net Income | 892M | 885M | 805M | 751M | 1.08B | 967M | 757M | 774M | 789M | 643M | 1.29B | 440M | 628M | 569M | 601M | 577M | 703M | 804M | 932M | 813M |
| Net Margin % | 23.36% | 23.8% | 21.77% | 19.8% | 28.17% | 26.51% | 20.36% | 20.36% | 20.69% | 17.32% | 34.67% | 12.03% | 18.07% | 17.27% | 18.79% | 18.66% | 24.12% | 27.98% | 33.37% | 29.78% |
| Net Income Growth % | -17.18% | -8.48% | 6.34% | -2.97% | 36.5% | 50.39% | -41.45% | 75.91% | 25.64% | 13.01% | 115.14% | -23.74% | -10.67% | -29.23% | -35.52% | -29.03% | -38.39% | -35.27% | -9.07% | 10.16% |
| Net Income (Continuing) | 892M | 885M | 805M | 751M | 1.08B | 967M | 757M | 774M | 789M | 643M | 1.29B | 440M | 628M | 569M | 601M | 577M | 703M | 804M | 932M | 813M |
| EPS (Diluted) | 2.68 | 2.59 | 2.27 | 2.04 | 2.86 | 2.50 | 1.89 | 1.91 | 1.94 | 1.55 | 3.14 | 1.03 | 1.48 | 1.32 | 1.35 | 1.26 | 1.49 | 1.62 | 1.79 | 1.48 |
| EPS Growth % | -6.29% | 3.6% | 20.11% | 6.81% | 47.42% | 61.29% | -39.81% | 85.44% | 31.08% | 17.42% | 132.59% | -18.25% | -0.67% | -18.52% | -24.58% | -14.86% | -25.5% | -23.58% | 3.47% | 19.35% |
| EPS (Basic) | 2.71 | 2.61 | 2.29 | 2.07 | 2.89 | 2.51 | 1.91 | 1.93 | 1.96 | 1.56 | 3.17 | 1.04 | 1.49 | 1.32 | 1.36 | 1.27 | 1.50 | 1.63 | 1.81 | 1.49 |
| Diluted Shares Outstanding | 322.4M | 334.1M | 346M | 357.84M | 379.4M | 379.1M | 389.4M | 394.8M | 396.5M | 402.6M | 408.2M | 414.6M | 418.4M | 424.2M | 437.2M | 448.9M | 470.7M | 495.3M | 519.5M | 543M |