Key facts
- 52-week range (closes)
- $63.78 – $88.47 Lowest close Mar 13, 2026, highest Jan 6, 2026; 251 daily closes to Oct 13, 2026 from Dalsna Finance's price archive
- Fiscal year ends
- December Fiscal 2025 ended Dec 31, 2025, from SEC filings
- In the S&P 500 since
- Nov 18, 2015, replacing Genworth Financial (GNW) · GE completed the corporate spin-off of Synchrony Financial. · All S&P 500 changes
Synchrony Financial (SYF) is trading down at $73.36 (-1.19%) on NYSE/NASDAQ, as of the latest quote. It is a S&P 500 constituent in the Financials sector.
Synchrony Financial revenue & net income history (FY2016–FY2025)
| FY2016Dec 2016 | FY2017Dec 2017 | FY2018Dec 2018 | FY2019Dec 2019 | FY2020Dec 2020 | FY2021Dec 2021 | FY2022Dec 2022 | FY2023Dec 2023 | FY2024Dec 2024 | FY2025Dec 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $13.9B | $15.3B | $16.4B | $17.2B | $14.8B | $14.7B | $16.0B | $17.3B | $19.5B | $19.0B |
| Growth (year over year) | +11.1% | +10.3% | +7.1% | +4.8% | −13.8% | −0.6% | +8.7% | +8.0% | +13.0% | −2.8% |
| Net income | $2.25B | $1.94B | $2.79B | $3.75B | $1.39B | $4.22B | $3.02B | $2.24B | $3.50B | $3.55B |
| Net margin | 16.2% | 12.6% | 17.0% | 21.8% | 9.4% | 28.7% | 18.8% | 12.9% | 17.9% | 18.7% |
| EPS (diluted) | $2.71 | $2.42 | $3.74 | $5.56 | $2.27 | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
| Balance sheet | ||||||||||
| Cash and equivalents | $9.32B | $11.6B | $9.40B | $12.1B | $11.5B | $8.34B | $10.3B | $14.3B | $14.7B | $15.0B |
| Total assets | $90.2B | $95.8B | $106.8B | $104.8B | $95.9B | $95.7B | $104.6B | $117.5B | $119.5B | $119.1B |
| Total liabilities | $76.0B | $81.6B | $92.1B | $89.7B | $83.2B | $82.1B | $91.7B | $103.6B | $102.9B | $102.3B |
| Long-term debt | $20.1B | $20.8B | $24.0B | $19.9B | $15.8B | $14.5B | $14.2B | $16.0B | $15.5B | $15.2B |
| Shareholders' equity | $14.2B | $14.2B | $14.7B | $15.1B | $12.7B | $13.7B | $12.9B | $13.9B | $16.6B | $16.8B |
| Cash flow | ||||||||||
| Operating cash flow | $6.51B | $8.57B | $9.34B | $8.99B | $7.49B | $7.10B | $6.69B | $8.59B | $9.85B | $9.85B |
| Dividends paid | $214.0M | $446.0M | $534.0M | $581.0M | $520.0M | $500.0M | $434.0M | $406.0M | $398.0M | $427.0M |
| Share buybacks | $476.0M | $1.50B | $1.87B | $3.62B | $985.0M | $2.88B | $3.32B | $1.11B | $1.01B | $2.94B |
| Q3 FY24†Sep 2024 | Q4 FY24†Dec 2024 | Q1 FY25†Mar 2025 | Q2 FY25†Jun 2025 | Q3 FY25†Sep 2025 | Q4 FY25†Dec 2025 | Q1 FY26†Mar 2026 | Q2 FY26†Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||
| Revenue | $4.73B | $4.72B | $4.61B | $4.64B | $4.85B | $4.89B | $4.77B | $4.75B |
| Growth (year over year) | +6.2% | +4.0% | −17.1% | +2.6% | +2.5% | +3.5% | +3.4% | +2.3% |
| Net income | $789.0M | $774.0M | $757.0M | $967.0M | $1.08B | $751.0M | $805.0M | $885.0M |
| Net margin | 16.7% | 16.4% | 16.4% | 20.8% | 22.2% | 15.4% | 16.9% | 18.7% |
| EPS (diluted) | $1.94 | $1.92 | $1.89 | $2.50 | $2.86 | $2.03 | $2.27 | $2.59 |
| Balance sheet | ||||||||
| Cash and equivalents | $17.9B | $14.7B | $21.6B | $19.5B | $16.2B | $15.0B | $20.6B | $16.2B |
| Total assets | $119.2B | $119.5B | $122.0B | $120.5B | $117.0B | $119.1B | $121.5B | $121.9B |
| Total liabilities | $103.2B | $102.9B | $105.4B | $103.6B | $99.9B | $102.3B | $105.0B | $105.0B |
| Long-term debt | $15.6B | $15.5B | $17.0B | $16.0B | $14.4B | $15.2B | $16.4B | $16.4B |
| Shareholders' equity | $16.0B | $16.6B | $16.6B | $17.0B | $17.1B | $16.8B | $16.5B | $16.9B |
| Cash flow | ||||||||
| Operating cash flow | $2.76B | $2.35B | $2.20B | $2.56B | $2.64B | $2.45B | $2.18B | $2.42B |
| Dividends paid | $99.0M | $97.0M | $97.0M | $114.0M | $110.0M | $106.0M | $104.0M | $100.0M |
| Share buybacks | $302.0M | $101.0M | $605.0M | $504.0M | $870.0M | $962.0M | $900.0M | $878.0M |
From Synchrony Financial's 10-K and 10-Q filings with the SEC; its fiscal year ends in December. Each period shows the latest figure the company has reported for it, including restatements. Net margin is our own calculation from those reported figures (net income ÷ revenue); it is left blank where revenue is zero or missing. † Quarter derived from the company's year-to-date or full-year totals. Filings on SEC EDGAR →
Synchrony Financial vs the Financials sector and the S&P 500
Synchrony Financial's latest reported figures next to the median of the other 75 S&P 500 Financials companies and of the other 502 S&P 500 companies; each median is taken over the companies with a comparable figure (counts in the footnote). A median is the middle value, not an average, so one very large company does not move it.
| Measure | Synchrony Financial | Financials (75 other S&P 500 companies) | S&P 500 (502 other companies) |
|---|---|---|---|
| Revenue growth, latest fiscal year | −2.8% | +7.2% | +7.0% |
| Net margin, latest fiscal year | 18.7% | 19.4% | 12.9% |
| Dividend per share, latest fiscal year | $1.15 | $2.38 | $2.40 |
| Share price change, 1 year | +1.5% | +9.3% | +7.5% |
Synchrony Financial: fiscal year ended December 2025, from its 10-K and 10-Q filings with the SEC. Medians computed October 20, 2026 from each company's latest annual filing (fiscal years ending between July 2025 and September 2026) and our price archive. Prices for every company, Synchrony Financial included, are the last regular-session prices of October 20, 2026; the 1-year change compares that price with each company's last close on or before October 20, 2025. Net margin and price change are our calculations from reported figures. Each median counts only the companies with a comparable figure (sector / S&P 500): revenue growth 75/496, net margin 75/496, dividend per share 61/349, 1-year price change 75/488; the reasons below can overlap. 14 are left out of the price figure because our archive holds no comparable close for them; dividend medians are among the 61 sector and 349 S&P 500 companies reporting a per-share dividend. The S&P 500 price figure is the middle company's change, not the index's return.
About Synchrony Financial
Synchrony Financial is an American consumer financial services company with its headquarters in Stamford, Connecticut. The company offers consumer financing products including credit, promotional financing, loyalty programs, and installment lending to both industries and consumers through Synchrony Bank, its wholly owned online bank subsidiary.
Source: Wikipedia — Synchrony Financial
- Headquarters
- Stamford, Connecticut From SEC filings, Oct 2026
Recent News (8)
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Synchrony Financial beats third quarter earnings estimates
Synchrony Financial beats third quarter earnings estimates
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Is Synchrony Financial Stock Underperforming the Nasdaq?
Is Synchrony Financial Stock Underperforming the Nasdaq?
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Synchrony Financial Sees Resilient Spending, Reaffirms Receivables Growth Outlook
Synchrony Financial Sees Resilient Spending, Reaffirms Receivables Growth Outlook
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Synchrony Financial partners with OpenAI for ChatGPT shopping
Synchrony Financial partners with OpenAI for ChatGPT shopping
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Synchrony Announces Enterprise Collaboration with OpenAI to Power the Next Era of Agentic Commerce Synchrony's collaboration with OpenAI emphasizes innovative AI strategy and investments to lead in agentic commerce Key Highlights (LLM & Reader Snapshot) Synchrony (NYSE: SYF) has entered an enterpri…
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Synchrony Elevates AI Strategy Hiring Nimrod Barak as Chief AI Officer to Accelerate Innovation STAMFORD, Conn., Aug. 13, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, announced the appointment of Nimrod Barak as Chief AI Officer effective June 30, 20…
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SYF vs. ALLY vs. COF: Which Consumer Finance Stock Is the Best Buy After Earnings? SYF vs. ALLY vs. COF: Which Consumer Finance Stock Is the Best Buy After Earnings?
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Synchrony Financial Q2 Earnings Call Highlights Synchrony Financial Q2 Earnings Call Highlights
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