Synchrony Financial (SYF-PB) — Financial statements
Income statement, balance sheet, and cash flow for Synchrony Financial — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 19,116↓7.9% | 20,759↑19.7% | 17,338↑31.4% | 13,195↑17.6% | 11,224 | |
| Cost of Revenue | 9,360↓17.7% | 11,367↑17.5% | 9,676↑97.6% | 4,896↑178.5% | 1,758 | |
| Gross Profit | 9,756↑3.9% | 9,392↑22.6% | 7,662↓7.7% | 8,299↓12.3% | 9,466 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 2,093↑14.4% | 1,829↓2.9% | 1,884↑12.1% | 1,681↑12.0% | 1,501 | |
| Selling & Marketing Expenses | 511↓2.5% | 524↓0.6% | 527↑8.2% | 487↑0.2% | 486 | |
| SG&A Expenses | 2,604↑10.7% | 2,353↓2.4% | 2,411↑11.2% | 2,168↑9.1% | 1,987 | |
| Other Expenses | 2,531↑1.8% | 2,486↑5.9% | 2,347↑8.2% | 2,169↑9.8% | 1,976 | |
| Operating Expenses | 5,135↑6.1% | 4,839↑1.7% | 4,758↑9.7% | 4,337↑9.4% | 3,963 | |
| Total Costs & Expenses | 14,495↓10.6% | 16,206↑12.3% | 14,434↑56.3% | 9,233↑61.4% | 5,721 | |
| Operating Results | ||||||
| Operating Income | 4,621↑1.5% | 4,553↑56.8% | 2,904↓26.7% | 3,962↓28.0% | 5,503 | |
| Depreciation & Amortization | 514↑6.9% | 481↑5.0% | 458↑9.3% | 419↑7.4% | 390 | |
| EBITDA | 5,135↑2.0% | 5,034↑49.7% | 3,362↓23.3% | 4,381↓25.7% | 5,893 | |
| EBIT | 4,621↑1.5% | 4,553↑56.8% | 2,904↓26.7% | 3,962↓28.0% | 5,503 | |
| Interest & Other Income | ||||||
| Net Interest Income | 18,466↑2.5% | 18,011↑6.0% | 16,999↑8.8% | 15,625↑9.7% | 14,239 | |
| Interest Income | 22,601↓0.2% | 22,645↑9.3% | 20,710↑20.8% | 17,146↑12.3% | 15,271 | |
| Interest Expense | 4,135↓10.8% | 4,634↑24.9% | 3,711↑144.0% | 1,521↑47.4% | 1,032 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 4,621↑1.5% | 4,553↑56.8% | 2,904↓26.7% | 3,962↓28.0% | 5,503 | |
| Income Tax Expense | 1,069↑1.4% | 1,054↑58.3% | 666↓29.6% | 946↓26.2% | 1,282 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 3,552↑1.5% | 3,499↑56.3% | 2,238↓25.8% | 3,016↓28.5% | 4,221 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 3,552↑1.5% | 3,499↑56.3% | 2,238↓25.8% | 3,016↓28.5% | 4,221 | |
| Bottom-Line Net Income | 3,469↑1.2% | 3,427↑56.1% | 2,196↓26.2% | 2,974↓28.8% | 4,179 | |
| EPS (Basic) | 9.35↑8.2% | 8.64↑65.8% | 5.21↓15.8% | 6.19↓16.4% | 7.40 | |
| EPS (Diluted) | 9.29↑8.7% | 8.55↑64.7% | 5.19↓15.6% | 6.15↓16.2% | 7.34 | |
| Weighted Average Shares | 358↓9.7% | 397↓5.9% | 421↓12.3% | 480↓14.9% | 565 | |
| Weighted Average Diluted Shares | 358↓10.7% | 401↓5.4% | 424↓12.4% | 483↓15.1% | 569 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.