financial statements

The full income statement, balance sheet, and cash-flow statement for Synchrony Financial (SYF), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.

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PeriodRangeOrderChangeYoYQoQAs-reported fiscal years.

Line item	FY2025	FY2024	FY2023	FY2022	FY2021
Income Statement	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
Noninterest income	520M YoY-65.8%	1.52B YoY+426.3%	289M YoY-23.9%	380M YoY-21.0%	481M YoY+18.8%
Noninterest expense	5.13B YoY+6.1%	4.84B YoY+1.7%	4.76B YoY+9.7%	4.34B YoY+9.4%	3.96B YoY-2.3%
Interest expense	—	—	3.71B YoY+144.0%	1.52B YoY+47.4%	1.03B YoY-38.0%
Interest & investment income	22.6B YoY-0.2%	22.6B YoY+9.3%	20.7B YoY+20.8%	17.1B YoY+12.3%	15.3B YoY-5.0%
Net interest income	18.5B YoY+2.5%	18.0B YoY+6.0%	17.0B YoY+8.8%	15.6B YoY+9.7%	14.2B YoY-1.1%
Pre-tax income	4.62B YoY+1.5%	4.55B YoY+56.8%	2.90B YoY-26.7%	3.96B YoY-28.0%	5.50B YoY+206.2%
Income tax	1.07B YoY+1.4%	1.05B YoY+58.3%	666M YoY-29.6%	946M YoY-26.2%	1.28B YoY+211.2%
	3.55B YoY+1.5%	3.50B YoY+56.3%	2.24B YoY-25.8%	3.02B YoY-28.5%	4.22B YoY+204.8%
Net income to common	3.47B YoY+1.2%	3.43B YoY+56.1%	2.20B YoY-26.2%	2.97B YoY-28.8%	4.18B YoY+211.2%
	$9.28 YoY+8.5%	$8.55 YoY+64.7%	$5.19 YoY-15.6%	$6.15 YoY-16.2%	$7.34 YoY+223.3%
EPS (basic)	$9.38 YoY+8.6%	$8.64 YoY+65.8%	$5.21 YoY-15.8%	$6.19 YoY-16.4%	$7.40 YoY+224.6%
Weighted-avg shares (basic)	370M YoY-6.7%	397M YoY-5.9%	421M YoY-12.3%	480M YoY-14.9%	565M YoY-4.1%
Weighted-avg shares (diluted)	374M YoY-6.7%	401M YoY-5.4%	424M YoY-12.4%	483M YoY-15.1%	569M YoY-3.6%
Dividends per share	$1.15 YoY+15.0%	$1.00 YoY+4.2%	$0.96 YoY+6.7%	$0.90 YoY+2.3%	$0.88 YoY+0.0%
Balance Sheet	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
Cash & equivalents	15.0B YoY+1.8%	14.7B YoY+3.2%	14.3B YoY+38.5%	10.3B YoY+23.5%	8.34B YoY-27.7%
	119B YoY-0.3%	119B YoY+1.7%	117B YoY+12.4%	105B YoY+9.2%	95.7B YoY-0.2%
Goodwill	1.36B YoY+7.0%	1.27B YoY+25.1%	1.02B YoY-7.9%	1.10B YoY+0.0%	1.10B YoY+2.5%
Intangible assets	1.25B YoY+47.0%	854M YoY+4.8%	815M YoY+9.8%	742M YoY-36.5%	1.17B YoY+3.8%
	102B YoY-0.5%	103B YoY-0.7%	104B YoY+13.0%	91.7B YoY+11.7%	82.1B YoY-1.4%
Long-term debt	15.2B YoY-1.8%	15.5B YoY-3.3%	16.0B YoY+12.6%	14.2B YoY-2.2%	14.5B YoY-8.0%
	16.8B YoY+1.1%	16.6B YoY+19.3%	13.9B YoY+8.0%	12.9B YoY-5.7%	13.7B YoY+7.5%
Preferred stock	1.22B YoY+0.0%	1.22B YoY+66.5%	734M YoY+0.0%	734M YoY+0.0%	734M YoY+0.0%
Common stock	1.00M YoY+0.0%	1.00M YoY+0.0%	1.00M YoY+0.0%	1.00M YoY+0.0%	1.00M YoY+0.0%
Additional paid-in capital	9.90B YoY+0.5%	9.85B YoY+0.8%	9.78B YoY+0.6%	9.72B YoY+0.5%	9.67B YoY+1.0%
Retained earnings	24.6B YoY+13.7%	21.6B YoY+15.9%	18.7B YoY+11.6%	16.7B YoY+17.3%	14.2B YoY+34.1%
Treasury stock	18.9B YoY+17.7%	16.1B YoY+5.7%	15.2B YoY+7.3%	14.2B YoY+29.7%	10.9B YoY+33.7%
Total liabilities & equity	119B YoY-0.3%	119B YoY+1.7%	117B YoY+12.4%	105B YoY+9.2%	95.7B YoY-0.2%
Common shares issued	834M YoY+0.0%	834M YoY+0.0%	834M YoY+0.0%	834M YoY+0.0%	834M YoY+0.0%
Common shares outstanding	347M YoY-10.6%	388M YoY-4.6%	407M YoY-7.2%	438M YoY-16.8%	527M YoY-9.8%
Shares outstanding (cover)	360M YoY-7.5%	389M YoY-5.9%	414M YoY-8.2%	451M YoY-17.7%	547M YoY-6.3%
Cash Flow	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
	9.85B YoY+0.0%	9.85B YoY+14.6%	8.59B YoY+28.4%	6.69B YoY-5.7%	7.10B YoY-5.2%
Depreciation & amortization	514M YoY+6.9%	481M YoY+5.0%	458M YoY+9.3%	419M YoY+7.4%	390M YoY+1.8%
Deferred income taxes	184M YoY+287.8%	-98.0M YoY+78.6%	-458M YoY-8.8%	-421M YoY-292.2%	219M YoY+136.4%
	-4.85B YoY+45.5%	-8.90B YoY+37.5%	-14.2B YoY-39.1%	-10.2B YoY-112.6%	-4.81B YoY-866.7%
Acquisitions	161M YoY-91.7%	1.94B	0.00	0.00	—
Other investing activities	852M YoY+23.8%	688M YoY-4.7%	722M YoY+31.5%	549M YoY+0.0%	549M YoY+40.8%
	-4.74B YoY-675.0%	-611M YoY-106.3%	9.63B YoY+82.3%	5.28B YoY+201.5%	-5.20B YoY+35.2%
Common stock repurchased	2.94B YoY+191.8%	1.01B YoY-9.4%	1.11B YoY-66.5%	3.32B YoY+15.4%	2.88B YoY+192.0%
Dividends paid	427M YoY+7.3%	398M YoY-2.0%	406M YoY-6.5%	434M YoY-13.2%	500M YoY-3.8%
Other financing activities	-63.0M YoY-275.0%	36.0M YoY+263.6%	-22.0M YoY+50.0%	-44.0M YoY-251.7%	29.0M YoY+514.3%
Interest paid	4.16B YoY-10.7%	4.66B YoY+31.3%	3.55B YoY+161.9%	1.36B YoY+31.1%	1.03B YoY-38.9%
Income taxes paid	710M YoY-34.7%	1.09B YoY-3.4%	1.13B YoY-12.8%	1.29B YoY+16.0%	1.11B YoY+31.3%
Valuation Ratios	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
Market cap	30.0B YoY+18.7%	25.3B YoY+60.1%	15.8B YoY+6.7%	14.8B YoY-41.7%	25.4B YoY+25.3%
P/E	8.5× YoY+17.0%	7.2× YoY+7.6%	6.7× YoY+38.1%	4.9× YoY-19.1%	6.0× YoY-58.9%
P/B	1.8× YoY+17.4%	1.5× YoY+31.6%	1.2× YoY-4.6%	1.2× YoY-34.6%	1.9× YoY+16.5%
P/FCF	3.1× YoY+18.7%	2.6× YoY+30.7%	2.0× YoY-14.9%	2.3× YoY-35.4%	3.6× YoY+32.1%
Earnings yield	11.8% YoY-14.5%	13.8% YoY-7.0%	14.9% YoY-27.6%	20.5% YoY+23.6%	16.6% YoY+143.3%
FCF yield	32.8% YoY-15.8%	38.9% YoY-23.5%	50.9% YoY+17.5%	43.3% YoY+54.8%	28.0% YoY-24.3%
Dividend yield	1.4% YoY-10.4%	1.5% YoY-38.8%	2.5% YoY-8.2%	2.7% YoY+44.4%	1.9% YoY-25.2%
Source filing	10-K	10-K	10-K	10-K	10-K

About this data

Source: SYF's SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn't file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all SYF filings on SEC EDGAR → Not investment advice.

SYF▼ financial statements

About this data

financial statements