Synchrony Financial Statements From 2010 to 2026

SYF-PB Stock   25.78  0.08  0.31%   
Synchrony Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Synchrony Financial's valuation are provided below:
Gross Profit
9.8 B
Quarterly Earnings Growth
0.078
Profit Margin
0.3641
Revenue
9.8 B
Quarterly Revenue Growth
0.05
We have found one hundred twenty available fundamental trend indicators for Synchrony Financial, which can be analyzed and compared to other ratios and to its competition. All investors should make sure to double-check all of Synchrony Financial current market performance against the performance between 2010 and 2026 to make sure the company can sustain itself down the road. As of February 10, 2026, Market Cap is expected to decline to about 27.9 B

Synchrony Financial Total Revenue

14.65 Billion

Check Synchrony Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Synchrony Financial's main balance sheet or income statement drivers, such as Depreciation And Amortization of 310.6 M, Interest Expense of 4.3 B or Selling General Administrative of 1.4 B, as well as many indicators such as Price To Sales Ratio of 2.0, Dividend Yield of 0.0172 or PTB Ratio of 2.19. Synchrony financial statements analysis is a perfect complement when working with Synchrony Financial Valuation or Volatility modules.
  
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Check out the analysis of Synchrony Financial Correlation against competitors.
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Synchrony Financial Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding531.4 M357.8 M666.2 M
Slightly volatile
Total Assets103.9 B119.1 B90.2 B
Slightly volatile
Short and Long Term Debt Total16 B15.2 B20.7 B
Slightly volatile
Other Current Liabilities5.7 BB48.2 B
Slightly volatile
Total Current Liabilities5.7 BB48.2 B
Slightly volatile
Total Stockholder Equity14 B16.8 B11.9 B
Slightly volatile
Net Debt198.6 M209 M11.1 B
Slightly volatile
Cash11.3 B15 B9.3 B
Slightly volatile
Non Current Assets Total86.5 B116.9 B78.2 B
Slightly volatile
Cash And Short Term Investments15.4 B15 B12.6 B
Slightly volatile
Good Will1.2 B1.4 BB
Slightly volatile
Short Term Investments4.2 B2.3 B3.4 B
Slightly volatile
Liabilities And Stockholders Equity103.9 B119.1 B90.2 B
Slightly volatile
Non Current Liabilities Total17 B18.7 B21.6 B
Slightly volatile
Total Liabilities89.9 B102.3 B78.3 B
Slightly volatile
Total Current Assets15.3 B20.5 B12.9 B
Slightly volatile
Intangible Assets911.2 M1.3 B765.8 M
Slightly volatile
Retained Earnings13.2 B24.6 B9.5 B
Slightly volatile
Common Stock800 K900 K982.4 K
Slightly volatile
Long Term Debt16.7 B15.2 B15.6 B
Pretty Stable
Net Invested Capital31.6 B30.7 B28.3 B
Slightly volatile
Long Term Investments3.6 B2.3 B6.2 B
Slightly volatile
Capital Stock987.4 M1.4 B818.1 M
Slightly volatile
Short Term Debt3.7 B6.5 B4.4 B
Pretty Stable
Other Assets95.3 B107.2 B117 B
Slightly volatile

Synchrony Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization310.6 M375 M273.1 M
Slightly volatile
Interest Expense4.3 B4.1 BB
Slightly volatile
Selling General Administrative1.4 B2.1 B1.3 B
Slightly volatile
Selling And Marketing Expenses481.9 M511 M427.9 M
Slightly volatile
Total Revenue14.7 B20.2 B13.1 B
Slightly volatile
Gross Profit8.3 B12.3 B7.4 B
Slightly volatile
Other Operating Expenses10.4 B13.1 B9.3 B
Slightly volatile
Operating Income4.2 B7.2 B3.8 B
Slightly volatile
EBIT4.2 B7.2 B3.8 B
Slightly volatile
EBITDA4.5 B7.5 B4.1 B
Slightly volatile
Cost Of Revenue6.4 B7.9 B5.7 B
Slightly volatile
Total Operating Expenses4.1 B5.1 B3.6 B
Slightly volatile
Income Before TaxB4.6 B3.7 B
Slightly volatile
Net Income2.9 B3.6 B2.6 B
Slightly volatile
Income Tax Expense867.5 M1.1 B1.1 B
Slightly volatile
Tax Provision995.3 M1.1 B620.3 M
Slightly volatile
Net Interest Income17.9 B18.5 B15.3 B
Slightly volatile
Interest Income21 B22.6 B17.4 B
Slightly volatile
Net Income From Continuing Ops3.3 B3.6 B2.1 B
Slightly volatile
Reconciled Depreciation484.9 M514 M409.4 M
Slightly volatile

Synchrony Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow9.8 B14.8 B8.4 B
Slightly volatile
Depreciation320.8 M514 M281.9 M
Slightly volatile
Total Cash From Operating Activities8.2 B9.9 B7.4 B
Slightly volatile
Net Income2.9 B3.6 B2.6 B
Slightly volatile
End Period Cash Flow10.8 B15 B9.4 B
Slightly volatile
Dividends Paid526.1 M510 M387.8 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.01.47721.856
Slightly volatile
Dividend Yield0.01720.01380.0161
Slightly volatile
PTB Ratio2.191.78072.2569
Slightly volatile
Book Value Per Share49.246.852921.965
Slightly volatile
Operating Cash Flow Per Share23.4722.3512.7703
Slightly volatile
Capex To Depreciation47.4662.9365.697
Pretty Stable
PB Ratio2.191.78072.2569
Slightly volatile
EV To Sales2.931.48762.9699
Slightly volatile
Net Income Per Share10.429.92614.7067
Slightly volatile
Sales General And Administrative To Revenue0.07720.10360.0939
Slightly volatile
Capex To Revenue0.540.690.7285
Very volatile
Cash Per Share43.9341.842423.0366
Slightly volatile
POCF Ratio3.483.013.1855
Slightly volatile
Interest Coverage2.981.73082.7549
Slightly volatile
Payout Ratio0.20.11590.152
Slightly volatile
Capex To Operating Cash Flow0.851.151.1966
Pretty Stable
Income Quality2.462.533.0017
Very volatile
ROE0.240.21190.2533
Slightly volatile
EV To Operating Cash Flow5.23.15.0575
Slightly volatile
PE Ratio10.428.40519.559
Slightly volatile
Return On Tangible Assets0.03210.03050.0307
Slightly volatile
Earnings Yield0.0960.1190.1151
Slightly volatile
Intangibles To Total Assets0.02210.0220.0205
Pretty Stable
Net Debt To EBITDA0.02640.02773.095
Slightly volatile
Current Ratio0.180.20.2055
Slightly volatile
Tangible Book Value Per Share41.5139.536918.6322
Slightly volatile
Graham Number10710247.8224
Slightly volatile
Shareholders Equity Per Share49.246.852921.965
Slightly volatile
Debt To Equity0.860.90552.3486
Slightly volatile
Capex Per Share5.767.888.163
Pretty Stable
Revenue Per Share59.356.477324.8445
Slightly volatile
Interest Debt Per Share28.3153.981834.853
Slightly volatile
Debt To Assets0.250.12750.269
Slightly volatile
Enterprise Value Over EBITDA3.793.99158.7587
Slightly volatile
Price Earnings Ratio10.428.40519.559
Slightly volatile
Price Book Value Ratio2.191.78072.2569
Slightly volatile
Dividend Payout Ratio0.20.11590.152
Slightly volatile
Price To Operating Cash Flows Ratio3.483.013.1855
Slightly volatile
Pretax Profit Margin0.320.22860.2977
Slightly volatile
Ebt Per Ebit0.520.580.6344
Slightly volatile
Operating Profit Margin0.330.35410.3057
Slightly volatile
Effective Tax Rate0.330.23130.3068
Slightly volatile
Company Equity Multiplier8.57.10348.239
Slightly volatile
Long Term Debt To Capitalization0.670.47520.6404
Slightly volatile
Total Debt To Capitalization0.670.47520.6404
Slightly volatile
Return On Capital Employed0.0880.06330.1054
Very volatile
Debt Equity Ratio0.860.90552.3486
Slightly volatile
Ebit Per Revenue0.330.35410.3057
Slightly volatile
Quick Ratio0.180.20.2055
Slightly volatile
Dividend Paid And Capex Coverage Ratio12.1818.8615.5403
Slightly volatile
Net Income Per E B T0.560.76870.6868
Slightly volatile
Cash Ratio2.622.49430.4359
Slightly volatile
Operating Cash Flow Sales Ratio0.640.550.586
Slightly volatile
Cash Flow Coverage Ratios0.310.570.3759
Slightly volatile
Price To Book Ratio2.191.78072.2569
Slightly volatile
Capital Expenditure Coverage Ratio1.080.90.8524
Pretty Stable
Price Cash Flow Ratio3.483.013.1855
Slightly volatile
Enterprise Value Multiple3.793.99158.7587
Slightly volatile
Debt Ratio0.250.12750.269
Slightly volatile
Cash Flow To Debt Ratio0.310.570.3759
Slightly volatile
Price Sales Ratio2.01.47721.856
Slightly volatile
Return On Assets0.03150.02980.03
Slightly volatile
Asset Turnover0.110.16970.145
Slightly volatile
Net Profit Margin0.220.17580.2045
Pretty Stable
Gross Profit Margin0.640.60820.5848
Pretty Stable
Price Fair Value2.191.78072.2569
Slightly volatile
Return On Equity0.240.21190.2533
Slightly volatile

Synchrony Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap27.9 B34.3 B24.4 B
Slightly volatile
Enterprise Value24.1 B27.1 B29.5 B
Slightly volatile

Synchrony Fundamental Market Drivers

About Synchrony Financial Financial Statements

Synchrony Financial stakeholders use historical fundamental indicators, such as Synchrony Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although Synchrony Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in Synchrony Financial's assets and liabilities are reflected in the revenues and expenses on Synchrony Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Synchrony Financial. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue20.2 B14.7 B
Cost Of Revenue7.9 B6.4 B
Sales General And Administrative To Revenue 0.10  0.08 
Capex To Revenue 0.69  0.54 
Revenue Per Share 56.48  59.30 
Ebit Per Revenue 0.35  0.33 

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
When determining whether Synchrony Financial is a strong investment it is important to analyze Synchrony Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Synchrony Financial's future performance. For an informed investment choice regarding Synchrony Stock, refer to the following important reports:
Check out the analysis of Synchrony Financial Correlation against competitors.
For information on how to trade Synchrony Stock refer to our How to Trade Synchrony Stock guide.
You can also try the Equity Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.
Please note, there is a significant difference between Synchrony Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Synchrony Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, Synchrony Financial's market price signifies the transaction level at which participants voluntarily complete trades.