Synchrony Financial Financial Statements
NYSE: SYFFinanceFinance: Consumer ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Synchrony Financial revenue and earnings
In fiscal 2025, Synchrony Financial generated $18.99 billion in revenue, down 2.8% from fiscal 2024, its first annual decline since 2021. Net income was $3.55 billion (+1.5% year over year), for a net margin of 18.7% versus a median of 17.9% in the prior 5 years. Diluted earnings per share came in at $9.28, up from $8.55.
Over the last 5 fiscal years, SYF's revenue has grown at a 5.1% compound annual rate.
Summary generated from market data by MetaCap's automated system. Methodology
Synchrony Financial income statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 18.99B | 19.53B | 17.29B | 16.00B | 14.72B | 14.81B | 17.17B | 16.38B | 15.30B | 13.87B |
| Revenue growth (YoY) | -2.80% | +12.98% | +8.02% | +8.73% | -0.59% | -13.76% | +4.80% | +7.05% | +10.31% | +11.13% |
| Operating Expenses | 5.13B | 4.84B | 4.76B | 4.34B | 3.96B | 4.05B | 4.25B | 4.09B | 3.75B | 3.42B |
| Interest Expense | 4.13B | 4.63B | 3.71B | 1.52B | 1.03B | 1.67B | 2.29B | 1.87B | 1.39B | 1.25B |
| Pretax Income | 4.62B | 4.55B | 2.90B | 3.96B | 5.50B | 1.80B | 4.89B | 3.64B | 3.32B | 3.57B |
| Income Tax | 1.07B | 1.05B | 666.00M | 946.00M | 1.28B | 412.00M | 1.14B | 854.00M | 1.39B | 1.32B |
| Net Income | 3.55B | 3.50B | 2.24B | 3.02B | 4.22B | 1.39B | 3.75B | 2.79B | 1.94B | 2.25B |
| Net Income growth (YoY) | +1.51% | +56.34% | -25.80% | -28.55% | +204.77% | -63.04% | +34.30% | +44.19% | -14.04% | +1.67% |
| EPS (Basic) | 9.38 | 8.64 | 5.21 | 6.19 | 7.40 | 2.28 | 5.59 | 3.76 | 2.43 | 2.71 |
| EPS (Diluted) | 9.28 | 8.55 | 5.19 | 6.15 | 7.34 | 2.27 | 5.56 | 3.74 | 2.42 | 2.71 |
| Shares Outstanding (Basic) | 369.90M | 396.50M | 421.20M | 480.40M | 564.60M | 589.00M | 670.20M | 742.30M | 795.60M | 829.20M |
| Shares Outstanding (Diluted) | 373.90M | 400.60M | 423.50M | 483.40M | 569.30M | 590.80M | 673.50M | 746.90M | 799.70M | 831.50M |
| Net Margin | 18.71% | 17.91% | 12.95% | 18.84% | 28.68% | 9.35% | 21.82% | 17.03% | 12.64% | 16.22% |
This table shows 10 annual periods of Synchrony Financial's income statement, from FY 2025 back to FY 2016, across 11 line items including revenue, operating expenses, interest expense. Values in USD; B = billions, M = millions. Fiscal periods follow SYF's reporting calendar. What is a income statement?