SYNCHRONY FINANCIAL financials
$71.72+0.28%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $23.12B | $24.17B | $21.00B | $17.53B | $15.75B | $16.47B | $19.46B | $18.25B | $16.70B | $15.12B |
| Gross profit | $18.99B | $19.53B | $17.29B | $16.00B | $14.72B | $14.81B | $17.17B | $16.38B | $15.30B | $13.87B |
| Gross margin | 82.1% | 80.8% | 82.3% | 91.3% | 93.4% | 89.9% | 88.2% | 89.8% | 91.7% | 91.7% |
| Operating income | $4.62B | $4.55B | $2.90B | $3.96B | $5.50B | $5.44B | $8.74B | $3.64B | $3.32B | $3.57B |
| Net income | $3.47B | $3.43B | $2.20B | $2.97B | $4.18B | $1.34B | $3.75B | $2.79B | $1.94B | $2.25B |
| Net margin | 15.0% | 14.2% | 10.5% | 17.0% | 26.5% | 8.2% | 19.3% | 15.3% | 11.6% | 14.9% |
| Diluted EPS | $9.28 | $8.55 | $5.19 | $6.15 | $7.34 | $2.27 | $5.56 | $3.74 | $2.42 | $2.71 |
| EBITDA | $4.62B | $4.55B | $2.90B | $4.45B | $5.50B | $5.44B | $8.74B | $3.64B | $3.32B | $3.57B |
| Operating cash flow | $9.85B | $9.85B | $8.59B | $6.69B | $7.10B | $7.49B | $8.99B | $9.34B | $8.57B | $6.51B |
| Free cash flow | $9.85B | $9.85B | $8.59B | $6.69B | $7.10B | — | — | — | — | — |
| Diluted shares | 373.9M | 400.6M | 423.5M | 483.4M | 569.3M | 590.8M | 673.5M | 746.0M | 799.7M | 831.5M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $14.97B | $14.71B | $14.26B | $10.29B | $8.34B | $11.52B |
| Short-term investments | $2.35B | $3.08B | $3.80B | $4.88B | $5.28B | $7.47B |
| Total debt | $15.18B | $15.46B | $15.98B | $14.19B | $14.51B | $15.78B |
| Total assets | $119.09B | $119.46B | $117.48B | $104.56B | $95.75B | $95.95B |
| Total liabilities | $102.33B | $102.88B | $103.58B | $91.69B | $82.09B | $83.25B |
| Shareholders' equity | $16.77B | $16.58B | $13.90B | $12.87B | $13.65B | $12.70B |
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