Synchrony Financial (SYF)
NYSE: SYF · Real-Time Price · USD
76.25
-0.50 (-0.65%)
At close: Apr 28, 2026, 4:00 PM EDT
76.25
0.00 (0.00%)
After-hours: Apr 28, 2026, 7:00 PM EDT
Synchrony Financial Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 21,799 | 21,698 | 21,596 | 19,902 | 16,881 | 15,228 | Upgrade
|
| Interest Income on Investments | 855 | 903 | 1,049 | 808 | 265 | 43 | Upgrade
|
| Total Interest Income | 22,654 | 22,601 | 22,645 | 20,710 | 17,146 | 15,271 | Upgrade
|
| Interest Paid on Deposits | 3,218 | 3,330 | 3,806 | 2,952 | 1,008 | 566 | Upgrade
|
| Interest Paid on Borrowings | 799 | 805 | 828 | 759 | 513 | 466 | Upgrade
|
| Total Interest Expense | 4,017 | 4,135 | 4,634 | 3,711 | 1,521 | 1,032 | Upgrade
|
| Net Interest Income | 18,637 | 18,466 | 18,011 | 16,999 | 15,625 | 14,239 | Upgrade
|
| Net Interest Income Growth (YoY) | 3.14% | 2.53% | 5.95% | 8.79% | 9.73% | -1.13% | Upgrade
|
| Gain (Loss) on Sale of Assets | - | - | 1,069 | - | - | - | Upgrade
|
| Other Non-Interest Income | -3,676 | -3,485 | -2,955 | -3,372 | -3,951 | -4,047 | Upgrade
|
| Total Non-Interest Income | -3,676 | -3,485 | -1,886 | -3,372 | -3,951 | -4,047 | Upgrade
|
| Revenues Before Loan Losses | 14,961 | 14,981 | 16,125 | 13,627 | 11,674 | 10,192 | Upgrade
|
| Provision for Loan Losses | 5,069 | 5,225 | 6,733 | 5,965 | 3,375 | 726 | Upgrade
|
| Revenue | 9,892 | 9,756 | 9,392 | 7,662 | 8,299 | 9,466 | Upgrade
|
| Revenue Growth (YoY) | 13.64% | 3.88% | 22.58% | -7.68% | -12.33% | 61.76% | Upgrade
|
| Salaries and Employee Benefits | 2,102 | 2,093 | 1,872 | 1,884 | 1,681 | 1,501 | Upgrade
|
| Selling, General & Administrative | 2,379 | 2,346 | 2,263 | 2,081 | 1,942 | 1,818 | Upgrade
|
| Other Non-Interest Expense | 491 | 507 | 512 | 505 | 541 | 540 | Upgrade
|
| Total Non-Interest Expense | 4,972 | 4,946 | 4,647 | 4,470 | 4,164 | 3,859 | Upgrade
|
| EBT Excluding Unusual Items | 4,920 | 4,810 | 4,745 | 3,192 | 4,135 | 5,607 | Upgrade
|
| Other Unusual Items | -236 | -189 | -192 | -288 | -173 | -104 | Upgrade
|
| Pretax Income | 4,684 | 4,621 | 4,553 | 2,904 | 3,962 | 5,503 | Upgrade
|
| Income Tax Expense | 1,084 | 1,069 | 1,054 | 666 | 946 | 1,282 | Upgrade
|
| Net Income | 3,600 | 3,552 | 3,499 | 2,238 | 3,016 | 4,221 | Upgrade
|
| Preferred Dividends & Other Adjustments | 83 | 83 | 72 | 42 | 42 | 42 | Upgrade
|
| Net Income to Common | 3,517 | 3,469 | 3,427 | 2,196 | 2,974 | 4,179 | Upgrade
|
| Net Income Growth | 21.50% | 1.52% | 56.34% | -25.80% | -28.55% | 204.76% | Upgrade
|
| Basic Shares Outstanding | 359 | 370 | 397 | 421 | 480 | 565 | Upgrade
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| Diluted Shares Outstanding | 363 | 374 | 401 | 424 | 483 | 569 | Upgrade
|
| Shares Change (YoY) | -8.30% | -6.67% | -5.41% | -12.39% | -15.09% | -3.64% | Upgrade
|
| EPS (Basic) | 9.79 | 9.38 | 8.64 | 5.21 | 6.19 | 7.40 | Upgrade
|
| EPS (Diluted) | 9.69 | 9.28 | 8.55 | 5.19 | 6.15 | 7.34 | Upgrade
|
| EPS Growth | 33.28% | 8.54% | 64.74% | -15.61% | -16.21% | 223.35% | Upgrade
|
| Dividend Per Share | 1.200 | 1.150 | 1.000 | 0.960 | 0.900 | 0.880 | Upgrade
|
| Dividend Growth | 20.00% | 15.00% | 4.17% | 6.67% | 2.27% | - | Upgrade
|
| Effective Tax Rate | 23.14% | 23.13% | 23.15% | 22.93% | 23.88% | 23.30% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.