Synchrony Financial (SYF) financial statements
Synchrony Financial reported revenue of $19.0B in fiscal 2025, up 3.5% a year over 9 years.
Net income was $3.6B.
The diluted share count fell 55% over the period (buybacks).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Synchrony Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $13.9B | $15.3B | $16.4B | $17.2B | $14.8B | $14.7B | $16.0B | $17.3B | $19.5B | $19.0B |
| Interest expense | $1.2B | $1.4B | $1.9B | $2.3B | $1.7B | $1.0B | $1.5B | $3.7B | — | — |
| Pre-tax income | $3.6B | $3.3B | $3.6B | $4.9B | $1.8B | $5.5B | $4.0B | $2.9B | $4.6B | $4.6B |
| Income tax | $1.3B | $1.4B | $854M | $1.1B | $412M | $1.3B | $946M | $666M | $1.1B | $1.1B |
| Net income | $2.3B | $1.9B | $2.8B | $3.7B | $1.4B | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B |
| EPS (diluted) | $2.71 | $2.42 | $3.74 | $5.56 | $2.27 | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
| Diluted shares | 832M | 800M | 747M | 674M | 591M | 569M | 483M | 424M | 401M | 374M |
| Net margin | 16.2% | 12.6% | 17.0% | 21.8% | 9.4% | 28.7% | 18.8% | 12.9% | 17.9% | 18.7% |
Balance sheet
Fiscal years, from Synchrony Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $9.3B | $11.6B | $9.4B | $12.1B | $11.5B | $8.3B | $10.3B | $14.3B | $14.7B | $15.0B |
| Property, plant and equipment | — | — | — | — | — | — | — | — | — | $1.2B |
| Goodwill | $949M | $991M | $1.0B | $1.1B | $1.1B | $1.1B | $1.1B | $1.0B | $1.3B | $1.4B |
| 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 |
| Shareholders' equity | $14.2B | $14.2B | $14.7B | $15.1B | $12.7B | $13.7B | $12.9B | $13.9B | $16.6B | $16.8B |
| Net debt | -$9.3B | -$11.6B | -$9.4B | -$12.1B | -$11.5B | -$8.3B | -$10.3B | -$14.3B | -$14.7B | -$15.0B |
Cash flow
Fiscal years, from Synchrony Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $6.5B | $8.6B | $9.3B | $9.0B | $7.5B | $7.1B | $6.7B | $8.6B | $9.8B | $9.9B |
| Dividends paid | $214M | $446M | $534M | $581M | $520M | $500M | $434M | $406M | $398M | $427M |
| Share buybacks (net) | -$476M | -$1.5B | -$1.9B | -$3.6B | -$985M | -$2.9B | -$3.3B | -$1.1B | -$1.0B | -$2.9B |
| Dividends per share | $0.26 | $0.56 | $0.71 | $0.86 | $0.88 | $0.88 | $0.90 | $0.96 | $0.99 | $1.14 |
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What was Synchrony Financial's revenue in 2025?
$19.0B in fiscal 2025, from its 10-K filing.
From Synchrony Financial's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.