Synchrony Financial
Synchrony Financial’s revenue for fiscal 2025 (year ended December 2025) was $23.1 billion, down 4.32% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 3.98%, free cash flow fell 5.47% and total debt rose 2.64%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for ten consecutive years, operating cash flow growth for three.
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Synchrony Financial (SYF) Net income
Synchrony Financial's net income for fiscal 2025 was $3.6B, unchanged from fiscal 2024. Over the twelve months to 30 June 2026 it was $3.5B. Over the past ten years it has ranged from $1.4B (fiscal 2020) to $4.2B (fiscal 2021); the current reading is higher than 82% of that period. Synchrony Financial ranks 6th of 55 Credit Services companies by net income.
Net income, annual
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Annual newest first
| Period | Net income | Change |
|---|---|---|
| FY2025 | $3.6B | 1.51% |
| FY2024 | $3.5B | 56.34% |
| FY2023 | $2.2B | (25.80%) |
| FY2022 | $3.0B | (28.55%) |
| FY2021 | $4.2B | 204.77% |
| FY2020 | $1.4B | (63.04%) |
| FY2019 | $3.7B | 34.30% |
| FY2018 | $2.8B | 44.19% |
| FY2017 | $1.9B | (14.04%) |
| FY2016 | $2.3B | 1.67% |
Quarterly newest first
| Period | Net income | Change |
|---|---|---|
| Jun 2026 | $885.0M | 9.94% |
| Mar 2026 | $805.0M | 7.19% |
| Dec 2025 | $751.0M | (30.27%) |
| Sep 2025 | $1.1B | 11.38% |
| 42 more quarters | Free account |
Against its own ten years
Net income against peers
| Company | Net income |
|---|---|
| PYPL PayPal Holdings, Inc. compare | $4.9B |
| SYF Synchrony Financial | $3.5B |
| AFRM Affirm Holdings, Inc. compare | $1.9B |
| ALLY Ally Financial Inc. compare | $1.5B |
| OMF OneMain Holdings, Inc. compare | $781.0M |
| SOFI SoFi Technologies, Inc. compare | $636.3M |
| CACC Credit Acceptance Corporation compare | $501.9M |
| FCFS FirstCash Holdings, Inc. compare | $388.1M |
| KLAR Klarna Group plc compare | −$61.0M |
What Net income is
Net Income tells an investor how much profit a company kept in a period after every cost, interest charge and tax.
Reported line item
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- Revenue
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement