Synchrony Financial (SYF) Revenue History
Annual and quarterly revenue from 2012 to present
SYF Revenue Over Time (2012–2025)
SYF Revenue Growth History
10 of 13 years with positive growth- FY2012 revenue growth
- N/A
- FY2013 revenue growth
- +7.9%
- FY2014 revenue growth
- +6.1%
- FY2015 revenue growth
- +5.6%
- FY2016 revenue growth
- +12.6%
- FY2017 revenue growth
- +12.7%
- FY2018 revenue growth
- +7.4%
- FY2019 revenue growth
- +0.2%
- FY2020 revenue growth
- -16.2%
- FY2021 revenue growth
- -8.7%
- FY2022 revenue growth
- +14.5%
- FY2023 revenue growth
- +16.7%
- FY2024 revenue growth
- +18.3%
- FY2025 revenue growth
- -7.1%
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3.82B | -0.1% |
| Q2 2026 | $3.72B | +1.9% |
| Q1 2026 | $4.63B | +24.7% |
| Q4 2025 | $3.79B | -0.2% |
| Q3 2025 | $3.82B | +0.2% |
| Q2 2025 | $3.65B | -1.8% |
| Q1 2025 | $3.72B | -0.3% |
| Q4 2024 | $3.80B | +3.9% |
Multi-year avg. share of annual revenue by fiscal quarter
SYF Revenue Analysis (2012–2025)
Current Revenue & Growth
As of November 8, 2026, Synchrony Financial (SYF) generated trailing twelve-month (TTM) revenue of $15.96 billion, reflecting slight decline in growth of -0.1% year-over-year. The most recent quarter (Q3 2026) recorded $3.82 billion in revenue, up 2.7% sequentially.
Historical Growth Trajectory
SYF's 5-year compound annual growth rate (CAGR) stands at +6.1%, indicating steady revenue expansion. The 3-year CAGR of +8.7% exceeds the 5-year average, indicating an acceleration in the most recent period. Synchrony Financial's highest annual revenue of $16.13 billion was recorded in 2024.
Peer Comparison
Compared to Financial Services sector peers — including COF (+30.2% YoY), BFH (+5.5% YoY), and ALLY (+14.6% YoY) — SYF has underperformed the peer group in revenue growth. Compare SYF vs COF →
SYF Revenue vs Peers
Revenue metrics vs comparable public companies
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
| SYFCurrent | $16.0B | -0.1% | +6.1% | 30.8% | |
 COF | $53.4B | +30.2% | +13.4% | 4.3% | |
 BFH | $3.8B | +5.5% | +6.6% | 16.0% | |
 ALLY | $5.7B | +14.6% | -5.1% | 18.3% | |
 MA | $32.1B | +15.5% | +16.5% | 60.9% | |
 V | $39.4B | +13.6% | +13.1% | 60.9% |
SYF Historical Revenue Data (2012–2025)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $14.98B | -7.1% | $9.76B | 65.1% | $4.62B | 30.8% |
| 2024 | $16.13B | +18.3% | $9.39B | 58.2% | $4.55B | 28.2% |
| 2023 | $13.63B | +16.7% | $7.66B | 56.2% | $2.90B | 21.3% |
| 2022 | $11.67B | +14.5% | $8.30B | 71.1% | $3.96B | 33.9% |
| 2021 | $10.19B | -8.7% | $9.47B | 92.9% | $5.50B | 54.0% |
| 2020 | $11.16B | -16.2% | $5.85B | 52.4% | $1.80B | 16.1% |
| 2019 | $13.31B | +0.2% | $9.13B | 68.6% | $4.89B | 36.7% |
| 2018 | $13.28B | +7.4% | $7.74B | 58.3% | $3.64B | 27.4% |
| 2017 | $12.37B | +12.7% | $7.07B | 57.2% | $3.32B | 26.9% |
| 2016 | $10.97B | +12.6% | $6.99B | 63.7% | $3.57B | 32.5% |
| 2015 | $9.75B | +5.6% | $6.79B | 69.7% | $3.53B | 36.2% |
| 2014 | $9.23B | +6.1% | $6.31B | 68.4% | $3.39B | 36.7% |
| 2013 | $8.70B | +7.9% | $5.63B | 64.7% | $3.14B | 36.1% |
| 2012 | $8.06B | - | $5.50B | 68.2% | $3.38B | 41.9% |
SYF Chart Terminal
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Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
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Peer Comparison
Compare growth, multiples, and margins vs sector.
SYF — Frequently Asked Questions
Quick answers to the most common questions about buying SYF stock.
Is SYF's revenue growth accelerating or slowing?
SYF revenue growth is slowing. TTM revenue is $16.0B, up -0.1% year-over-year — below the 5-year CAGR of +6.1%. The deceleration suggests maturing end-markets or increased competition.
What is SYF's revenue history from 2012 to 2026?
Synchrony Financial (SYF) revenue history spans 2012 to 2026. TTM revenue as of 2026 is $16.0B, growing at -0.1% YoY. The 5-year CAGR is +6.1%. Complete annual and quarterly revenue figures are available on this page, including gross profit, operating income, and margin trends.
What is SYF's long-term revenue growth rate (CAGR)?
Synchrony Financial's 5-year revenue CAGR of +6.1% reflects the variable nature of its business expansion. As of 2026, the current YoY growth rate of -0.1% is below this long-term average. CAGR is the most reliable measure of sustained revenue momentum for SYF.
Why does SYF's quarterly revenue fluctuate?
SYF quarterly revenue can fluctuate significantly between periods. A quarter-over-quarter (QoQ) change does not always indicate a trend; comparing the same quarter year-over-year (YoY) is a more reliable signal for underlying growth. Synchrony Financial's revenue data from 2012 to 2026 shows full historical quarterly detail on this page.
How is SYF's revenue distributed by segment?
SYF reports revenue broken down by product line and geographic region. The segment breakdown on this page shows which business units contribute the most to total revenue as of the latest fiscal year. Concentration in a single segment above 50% indicates category dependence, while a diversified mix signals more resilient revenue streams.
How does SYF's revenue compare to industry peers?
Synchrony Financial (SYF) with TTM revenue of $16.0B and -0.1% YoY growth can be benchmarked against sector peers using the comparison table on this page. Revenue growth relative to peers indicates market share gains or losses. The peer section shows TTM revenue, YoY growth, and operating margin for direct comparisons.