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Synchrony Financial

SYF Clue Score67
United States Fiscal year ends December CIK 0001601712
$73.62 +1.13% Close, 12 Oct 2026
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Price $73.62 +48.16% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income2.25EPS, diluted2.71Fiscal year 2017Net income1.94 −14.0%EPS, diluted2.42 −10.7%Fiscal year 2018Net income2.79 +44.2%EPS, diluted3.74 +54.5%Fiscal year 2019Net income3.75 +34.3%EPS, diluted5.56 +48.7%Fiscal year 2020Net income1.39 −63.0%EPS, diluted2.27 −59.2%Fiscal year 2021Net income4.22 +204.8%EPS, diluted7.34 +223.3%Fiscal year 2022Net income3.02 −28.5%EPS, diluted6.15 −16.2%Fiscal year 2023Net income2.24 −25.8%EPS, diluted5.19 −15.6%Fiscal year 2024Net income3.50 +56.3%EPS, diluted8.55 +64.7%Fiscal year 2025Net income3.55 +1.5%EPS, diluted9.28 +8.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 2.25 1.94 2.79 3.75 1.39 4.22 3.02 2.24 3.50 3.55
Growth −14.0% +44.2% +34.3% −63.0% +204.8% −28.5% −25.8% +56.3% +1.5%
EPS, diluted 2.71 2.42 3.74 5.56 2.27 7.34 6.15 5.19 8.55 9.28
Growth −10.7% +54.5% +48.7% −59.2% +223.3% −16.2% −15.6% +64.7% +8.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2016Operating cash flow6.51Buybacks−0.48Dividends paid−0.21Fiscal year 2017Operating cash flow8.58Buybacks−1.50Dividends paid−0.45Fiscal year 2018Operating cash flow9.34Buybacks−1.87Dividends paid−0.53Fiscal year 2019Operating cash flow8.99Buybacks−3.62Dividends paid−0.58Fiscal year 2020Operating cash flow7.49Buybacks−0.99Dividends paid−0.52Fiscal year 2021Operating cash flow7.10Buybacks−2.88Dividends paid−0.50Fiscal year 2022Operating cash flow6.69Buybacks−3.32Dividends paid−0.43Fiscal year 2023Operating cash flow8.59Buybacks−1.11Dividends paid−0.41Fiscal year 2024Operating cash flow9.85Buybacks−1.01Dividends paid−0.40Fiscal year 2025Operating cash flow9.85Buybacks−2.94Dividends paid−0.43
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 6.51 8.58 9.34 8.99 7.49 7.10 6.69 8.59 9.85 9.85
Buybacks −0.48 −1.50 −1.87 −3.62 −0.99 −2.88 −3.32 −1.11 −1.01 −2.94
Dividends paid −0.21 −0.45 −0.53 −0.58 −0.52 −0.50 −0.43 −0.41 −0.40 −0.43

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash9.32Total debt20.15Net cash (debt)−10.83Shareholders’ equity14.20Debt to equity1.42Fiscal year 2017Cash11.60Total debt20.80Net cash (debt)−9.20Shareholders’ equity14.23Debt to equity1.46Fiscal year 2018Cash9.40Total debt24.00Net cash (debt)−14.60Shareholders’ equity14.68Debt to equity1.63Fiscal year 2019Cash12.15Total debt19.87Net cash (debt)−7.72Shareholders’ equity15.09Debt to equity1.32Fiscal year 2020Cash11.52Total debt15.78Net cash (debt)−4.25Shareholders’ equity12.70Debt to equity1.24Fiscal year 2021Cash8.34Total debt14.51Net cash (debt)−6.17Shareholders’ equity13.66Debt to equity1.06Fiscal year 2022Cash10.29Total debt14.19Net cash (debt)−3.90Shareholders’ equity12.87Debt to equity1.10Fiscal year 2023Cash14.26Total debt15.98Net cash (debt)−1.72Shareholders’ equity13.90Debt to equity1.15Fiscal year 2024Cash14.71Total debt15.46Net cash (debt)−0.75Shareholders’ equity16.58Debt to equity0.93Fiscal year 2025Cash14.97Total debt15.18Net cash (debt)−0.21Shareholders’ equity16.77Debt to equity0.91
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 9.32 11.60 9.40 12.15 11.52 8.34 10.29 14.26 14.71 14.97
Total debt 20.15 20.80 24.00 19.87 15.78 14.51 14.19 15.98 15.46 15.18
Net cash (debt) −10.83 −9.20 −14.60 −7.72 −4.25 −6.17 −3.90 −1.72 −0.75 −0.21
Shareholders’ equity 14.20 14.23 14.68 15.09 12.70 13.66 12.87 13.90 16.58 16.77
Debt to equity 1.42 1.46 1.63 1.32 1.24 1.06 1.10 1.15 0.93 0.91

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Balance sheet

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Assets
9.32 11.60 9.40 12.15 11.52 8.34 10.29 14.26 14.71 14.97
n/a n/a n/a n/a n/a n/a n/a n/a n/a 1.25
0.95 0.99 1.02 1.08 1.08 1.11 1.11 1.02 1.27 1.36
90.21 95.81 106.79 104.83 95.95 95.75 104.56 117.48 119.46 119.10
Growth +6.2% +11.5% −1.8% −8.5% −0.2% +9.2% +12.4% +1.7% −0.3%
Liabilities
20.15 20.80 24.00 19.87 15.78 14.51 14.19 15.98 15.46 15.18
calc 20.15 20.80 24.00 19.87 15.78 14.51 14.19 15.98 15.46 15.18
76.01 81.57 92.11 89.74 83.25 82.09 91.69 103.58 102.88 102.33
Equity
5.33 6.81 8.99 12.12 10.62 14.25 16.72 18.66 21.64 24.60
14.20 14.23 14.68 15.09 12.70 13.66 12.87 13.90 16.58 16.77
Growth +0.3% +3.1% +2.8% −15.8% +7.5% −5.7% +8.0% +19.3% +1.1%
Per share and net cash
calc −10.83 −9.20 −14.60 −7.72 −4.25 −6.17 −3.90 −1.72 −0.75 −0.21
817.4 770.5 718.8 615.9 584.0 526.8 438.2 406.9 388.0 347.0
calc 17.37 18.47 20.42 24.50 21.75 25.92 29.38 34.17 42.73 48.32

Lines marked calc are worked out here from filed figures; point at one for how.