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Synchrony Financial

SYF NYSE Consumer Finance Financials FY2016–FY2025

Synchrony Financial's revenue fell 2.8% to $19.0 billion in fiscal 2025. Net income was $3.6 billion, up 1.5%. Its return on equity was 21.3%, down from 23.0% a year earlier. Its efficiency ratio was 27.1%, up from 24.8% a year earlier. It paid out $3.4 billion in dividends and buybacks. The diluted share count fell 6.7%.

Last close · Oct 23, 2026

$73.64

1.9%
Value it Compare
Revenue Total sales reported in the income statement.
$19.0B
2.8% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
27.1%
2.3 pts
Net income Profit after all expenses, interest and tax.
$3.6B
1.5%
Return on equity Net income as a share of average shareholders' equity.
21.3%
1.7 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$27.5B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
7.7x
On $9.60 EPS (TTM)

About these figures. Loans are Synchrony's loan receivables net of the allowance for losses, as its balance sheet shows them.

What Synchrony Financial does

No business description yet.

Legal name
SYNCHRONY FINANCIAL
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0001601712-26-000006
0001601712

Revenue and margins

Synchrony Financial had $19.0B of revenue in fiscal 2025, down 2.8% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 14.7% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Synchrony Financial returned $3.4B to shareholders in fiscal 2025. The diluted share count fell 6.7%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Synchrony Financial yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Earnings multiple

Value per share

—

Reference multiples: today 7.7x · peers 14.8x · sector 13.7x.

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $72.1B$82.9B$92.4B$93.8B$93.4B
Deposits $62.3B$71.7B$81.2B$82.1B$81.1B
Loans / deposits 115.7%115.6%113.9%114.3%115.1%
Total assets $95.7B$104.6B$117.5B$119.5B$119.1B
Shareholders' equity $13.7B$12.9B$13.9B$16.6B$16.8B
Goodwill $1.1B$1.1B$1.0B$1.3B$1.4B
Intangible assets $0.0M$0.0M$0.0M$0.0M$0.0M
Provision / loans 1.0%4.4%6.8%7.2%5.6%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$26.5M

9 insiders

Of sales under plans

100%

$26.5M

DateInsiderTradeSharesPriceValueFiling
Aug 13, 2026 Alberto CasellasSee remarks Sold plan 5,456 $80.00 $0.4M Form 4
Aug 3, 2026 Arthur W Coviello JrDirector Sold plan 4,000 $77.17 $0.3M Form 4
Aug 3, 2026 Courtney GentlemanSee remarks Sold plan 721 $76.73 $0.1M Form 4
Aug 3, 2026 Darrell OwensSee remarks Sold plan 610 $76.73 $0.0M Form 4
May 15, 2026 Jonathan S MothnerSee remarks Sold plan 51,258 $71.23 $3.7M Form 4
May 1, 2026 Alberto CasellasSee remarks Sold plan 5,794 $76.55 $0.4M Form 4
May 1, 2026 Arthur W Coviello JrDirector Sold plan 4,000 $76.55 $0.3M Form 4
May 1, 2026 Curtis HowseSee remarks Sold plan 8,436 $76.55 $0.6M Form 4
Mar 3, 2026 Brian J. Wenzel Sr.See remarks Sold plan 47,112 $67.16 $3.2M Form 4
Mar 2, 2026 Brian D DoublesSee remarks, Director Sold plan 217,554 $68.68 $14.9M Form 4
Mar 2, 2026 Brian J. Wenzel Sr.See remarks Sold plan 19,580 $67.71 $1.3M Form 4
Mar 2, 2026 Carol JuelSee remarks Sold plan 16,859 $67.71 $1.1M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Synchrony Financial SYF $27.5B −2.8% — — — 7.7x —
Ally Financial ALLY $12.2B −3.3% — — — 9.2x — Compare →
Capital One COF $109.0B 36.6% — — — 12.1x — Compare →
American Express AXP $218.0B 9.5% — — — 17.6x — Compare →
SoFi Technologies SOFI $18.3B 35.1% — — — 29.8x — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $13.9B $15.3B $16.4B $17.2B $14.8B $14.7B $16.0B $17.3B $19.5B $19.0B
Net interest income $13.5B $15.0B $16.1B $16.8B $14.4B $14.2B $15.6B $17.0B $18.0B $18.5B
Noninterest income $344M $288M $265M $371M $405M $481M $380M $289M $1.5B $520M
Noninterest expense $3.4B $3.7B $4.1B $4.2B $4.1B $4.0B $4.3B $4.8B $4.8B $5.1B
Provision for credit losses $4.0B $5.3B $5.5B $4.2B $5.3B $726M $3.4B $6.0B $6.7B $5.2B
Pretax 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
Net income to common $2.3B $1.9B $2.8B $3.7B $1.3B $4.2B $3.0B $2.2B $3.4B $3.5B
Diluted EPS $2.71 $2.42 $3.74 $5.56 $2.27 $7.34 $6.15 $5.19 $8.55 $9.28
Diluted shares 0.83B 0.80B 0.75B 0.67B 0.59B 0.57B 0.48B 0.42B 0.40B 0.37B
Cash flow
Share buybacks $476M $1.5B $1.9B $3.6B $985M $2.9B $3.3B $1.1B $1.0B $2.9B
Dividends paid $214M $446M $534M $581M $520M $500M $434M $406M $398M $427M
Dividends and buybacks $690M $1.9B $2.4B $4.2B $1.5B $3.4B $3.8B $1.5B $1.4B $3.4B
Balance sheet
Loans, net $72.0B $76.4B $86.7B $81.6B $71.6B $72.1B $82.9B $92.4B $93.8B $93.4B
Deposits $52.1B $56.5B $64.0B $65.2B $62.8B $62.3B $71.7B $81.2B $82.1B $81.1B
Goodwill $949M $991M $1.0B $1.1B $1.1B $1.1B $1.1B $1.0B $1.3B $1.4B
Intangible assets $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Total assets $90.2B $95.8B $106.8B $104.8B $95.9B $95.7B $104.6B $117.5B $119.5B $119.1B
Preferred stock $0.0M $0.0M $0.0M $734M $734M $734M $734M $734M $1.2B $1.2B
Shareholders' equity $14.2B $14.2B $14.7B $15.1B $12.7B $13.7B $12.9B $13.9B $16.6B $16.8B
Margins
Net margin 16.2% 12.6% 17.0% 21.8% 9.4% 28.7% 18.8% 13.0% 17.9% 18.7%
Net interest share of revenue 97.5% 98.1% 98.4% 97.8% 97.3% 96.7% 97.6% 98.3% 92.2% 97.3%
Efficiency ratio 24.6% 24.5% 25.0% 24.7% 27.4% 26.9% 27.1% 27.5% 24.8% 27.1%
Returns
Return on equity 16.8% 13.6% 19.3% 25.2% 10.0% 32.0% 22.7% 16.7% 23.0% 21.3%
Return on assets 2.6% 2.1% 2.8% 3.5% 1.4% 4.4% 3.0% 2.0% 3.0% 3.0%
Return on tangible equity 18.1% 14.6% 20.8% 27.8% 11.1% 36.8% 26.0% 18.9% 26.1% 24.6%
Growth
Revenue growth 11.1% 10.3% 7.1% 4.8% −13.8% −0.6% 8.7% 8.0% 13.0% −2.8%
Net income growth 1.7% −14.0% 44.2% 34.3% −63.0% 204.8% −28.6% −25.8% 56.3% 1.5%
EPS growth 2.3% −10.7% 54.6% 48.7% −59.2% 223.4% −16.2% −15.6% 64.7% 8.5%
Share count change −0.5% −3.8% −6.6% −9.8% −12.3% −3.6% −15.1% −12.4% −5.4% −6.7%
Financial health
Loans / deposits 138.3% 135.2% 135.5% 125.3% 114.1% 115.7% 115.6% 113.9% 114.3% 115.1%
Provision / loans 5.8% 7.1% 6.8% 5.0% 6.9% 1.0% 4.4% 6.8% 7.2% 5.6%

Source: SEC EDGAR XBRL filings (CIK 0001601712). Data updated October 22, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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