Synchrony Financial
SYF NYSE· Consumer Finance
Last close · Oct 26, 2026
$74.83
KIRA · Stoqly’s AI analyst, in plain words
- Synchrony Financial had $19.0B of revenue in fiscal 2025, down 2.8% on the year before. Over five years, revenue changed +5.1% a year on average.
- Synchrony Financial made $3.6B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 14.7% a year.
- Synchrony Financial returned $3.4B to shareholders in fiscal 2025. The diluted share count fell 6.7%.
- It earned 21.3% on shareholders’ money. Running costs took 27.1% of revenue (the efficiency ratio; lower is better).
Market cap
$28.0B
P/E
7.8x
Revenue
$19.0B
Net income
$3.6B
Return on equity
21.3%
Efficiency ratio
27.1%
Synchrony Financial in 30 seconds · fiscal 2025
Are sales growing?
−2.8%
No. Sales fell 2.8% last year.
Does it make a profit?
18.7%
Yes. It keeps 18.7% of every sale as profit.
How lean are its costs?
27.1%
Lean. Running costs take 27.1% of revenue.
How much does it earn on its capital?
21.3%
Good. It earns 21.3% a year on shareholders’ money.
How is the share priced?
7.8x
One share costs 7.8 times its yearly profit per share. Typical for its sector: 13.7x.
What Synchrony Financial does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 6, 2026
- Legal name
- SYNCHRONY FINANCIAL
- CIK
- 0001601712
Synchrony Financial · SYF
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $14.7B | $16.0B | $17.3B | $19.5B | $19.0B |
| Revenue growth | −0.6% | 8.7% | 8.0% | 13.0% | −2.8% |
| Net interest income | $14.2B | $15.6B | $17.0B | $18.0B | $18.5B |
| Net income | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B |
| Net margin | 28.7% | 18.8% | 13.0% | 17.9% | 18.7% |
| Diluted EPS | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
| Cash | |||||
| Dividends paid | $500M | $434M | $406M | $398M | $427M |
| Share buybacks | $2.9B | $3.3B | $1.1B | $1.0B | $2.9B |
| Share count change | −3.6% | −15.1% | −12.4% | −5.4% | −6.7% |
| Debt and strength | |||||
| Loans, net | $72.1B | $82.9B | $92.4B | $93.8B | $93.4B |
| Deposits | $62.3B | $71.7B | $81.2B | $82.1B | $81.1B |
| Shareholders' equity | $13.7B | $12.9B | $13.9B | $16.6B | $16.8B |
| Returns and quality | |||||
| Return on equity | 32.0% | 22.7% | 16.7% | 23.0% | 21.3% |
| Return on tangible equity | 36.8% | 26.0% | 18.9% | 26.1% | 24.6% |
| Efficiency ratio | 26.9% | 27.1% | 27.5% | 24.8% | 27.1% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$47.7M
10 insiders
Of sales under plans
100%
$47.7M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Synchrony Financial · SYF
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| Synchrony Financial SYF | $28.0B | −2.8% | 18.7% | 21.3% | 7.8x | — |
| Ally Financial ALLY | $12.1B | −3.3% | 10.8% | 5.8% | 9.1x | — |
| Capital One COF | $109.5B | 36.6% | 4.6% | 2.8% | 12.1x | — |
| American Express AXP | $219.3B | 9.5% | 15.0% | 34.0% | 17.7x | — |
| SoFi Technologies SOFI | $18.1B | 35.1% | 13.3% | 5.7% | 29.5x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $74.83 a share, the company is worth $28.0B: 7.8 times its earnings of the last four quarters.
Synchrony Financial grew sales faster than 1 of its 4 similar companies. Its P/E is higher than 0 of 4.
Source: SEC EDGAR XBRL filings (CIK 0001601712). Data updated October 22, 2026. For information only — not investment advice. Check the original filings before relying on any figure.