SYNCHRONY FINANCIAL financials
$71.72+0.28%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.72B | $5.74B | $5.86B | $5.86B | $5.70B | $5.70B | $5.84B | $5.90B | $5.70B | $6.72B | $5.62B | $5.45B |
| Gross profit | $4.75B | $4.77B | $4.89B | $4.85B | $4.64B | $4.61B | $4.72B | $4.73B | $4.52B | $5.56B | $4.54B | $4.45B |
| Gross margin | 83.0% | 83.1% | 83.4% | 82.7% | 81.3% | 80.9% | 80.8% | 80.1% | 79.3% | 82.7% | 80.7% | 81.8% |
| Operating income | $1.19B | $1.05B | $952.0M | $1.43B | $1.26B | $984.0M | $973.0M | $1.03B | $844.0M | $1.71B | $539.0M | $833.0M |
| Net income | $864.0M | $784.0M | $730.0M | $1.06B | $946.0M | $736.0M | $753.0M | $768.0M | $624.0M | $1.28B | $429.0M | $618.0M |
| Net margin | 15.1% | 13.7% | 12.5% | 18.0% | 16.6% | 12.9% | 12.9% | 13.0% | 10.9% | 19.1% | 7.6% | 11.3% |
| Diluted EPS | $2.59 | $2.27 | $2.04 | $2.86 | $2.50 | $1.89 | $1.91 | $1.94 | $1.55 | $3.14 | $1.04 | $1.48 |
| EBITDA | $1.19B | $1.05B | $952.0M | $1.43B | $1.26B | $984.0M | $973.0M | $1.03B | $844.0M | $1.71B | $1.07B | $833.0M |
| Operating cash flow | $2.42B | $2.18B | $2.45B | $2.64B | $2.56B | $2.20B | $2.35B | $2.76B | $2.48B | $2.25B | $2.32B | $2.48B |
| Free cash flow | $2.42B | $2.18B | $2.45B | $2.64B | $2.56B | $2.20B | $2.35B | $2.76B | $2.48B | $2.25B | $2.32B | $2.48B |
| Diluted shares | 334.1M | 346.0M | 357.2M | 369.9M | 379.1M | 389.4M | 395.1M | 396.5M | 402.6M | 408.2M | 414.2M | 418.4M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $16.19B | $20.56B | $14.97B | $16.25B | $19.46B | $21.63B |
| Short-term investments | $4.37B | $3.04B | $2.35B | $2.72B | $2.90B | $2.72B |
| Total debt | $16.43B | $16.43B | $15.18B | $14.43B | $16.01B | $17.01B |
| Total assets | $121.93B | $121.50B | $119.09B | $116.98B | $120.50B | $122.03B |
| Total liabilities | $105.03B | $105.02B | $102.33B | $99.92B | $103.55B | $105.44B |
| Shareholders' equity | $16.90B | $16.48B | $16.77B | $17.07B | $16.95B | $16.58B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology