Synchrony Financial

Financial Services · Credit Services

71.60$ +1.2% vs. previous close Closing price · As of: Sep 24, 2026

Statements

Income Statement

Synchrony Financial (SYF) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (Q2 26), "Revenue" came in at 4,693 million USD. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size % Per share

Last 12 Full history

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All figures in millions of USD.

Tick rows to compare them in a chart (up to 4)

Income Statement SYF
Line item	Q3 16	Q4 16	Q1 17	Q2 17	Q3 17	Q4 17	Q1 18	Q2 18	Q3 18	Q4 18	Q1 19	Q2 19	Q3 19	Q4 19	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22	Q4 22	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	LTM
Revenue	3,123	3,221	3,322	3,358	3,504	3,574	3,599	3,584	3,886	4,085	3,924	3,969	4,050	3,660	3,578	3,152	3,069	3,028	3,570	2,661	3,898	4,359	4,022	4,074	4,342	3,695	3,934	4,195	4,467	4,742	4,892	4,889	4,990	4,919	4,804	4,712	4,834	4,766	4,666	4,693	18,959
Cost of Revenue	1,301	1,395	1,632	1,659	1,667	1,729	1,764	1,717	1,939	1,995	1,419	1,781	1,611	1,660	2,194	2,107	1,590	1,084	-989	72	-1,266	-1,267	220	252	370	1,803	2,025	2,284	2,480	2,887	3,047	2,868	2,773	2,679	2,577	2,211	2,157	2,415	2,303	2,176	9,051
Gross Profit	1,822	1,826	1,690	1,699	1,837	1,845	1,835	1,867	1,947	2,090	2,505	2,188	2,439	2,000	1,384	1,045	1,479	1,944	3,570	2,589	3,752	3,997	3,897	4,000	4,342	1,892	1,909	1,911	1,987	1,855	1,845	2,021	2,217	2,240	2,227	2,501	2,677	2,351	2,363	2,517	9,908
Research & Development	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Selling, General & Administrative	311	315	323	318	333	333	358	351	365	353	353	358	359	385	324	327	382	306	364	359	369	409	402	404	319	459	451	451	444	495	496	434	464	435	506	509	503	575	515	516	2,109
Total Operating Expenses	859	918	908	911	958	970	988	975	1,054	1,078	1,043	1,059	1,064	1,079	1,002	986	1,067	1,000	1,323	948	306	-2,727	1,625	1,851	1,986	1,151	1,119	1,169	1,154	1,316	137	1,177	1,189	1,267	1,243	1,245	1,248	1,399	1,316	1,331	5,294
Operating Income	963	908	782	788	879	875	847	892	893	1,012	1,462	1,129	1,375	921	382	59	412	944	1,315	1,641	1,500	4,529	2,397	2,223	1,942	741	790	742	833	539	1,708	844	1,028	973	984	1,256	1,429	952	1,047	1,186	4,614
Interest Expense	315	319	326	333	357	375	402	437	488	543	560	583	592	556	517	434	380	334	303	266	240	223	233	272	414	602	735	901	992	1,083	1,163	1,177	1,176	1,118	1,086	1,065	1,011	973	968	975	3,927
Pre-Tax Income	963	908	782	788	879	875	847	892	893	1,012	1,462	1,129	1,375	921	382	59	412	944	1,315	1,641	1,500	1,047	1,233	1,066	922	741	790	742	833	539	1,708	844	1,028	973	984	1,256	1,429	952	1,047	1,186	4,614
Income Tax Expense	359	332	283	292	324	490	207	196	222	229	355	276	319	190	96	11	99	206	290	399	359	234	301	262	219	164	189	173	205	99	415	201	239	199	227	289	352	201	242	301	1,096
Net Income	604	576	499	496	555	385	640	696	671	783	1,107	853	1,056	731	286	48	313	738	1,025	1,242	1,130	813	932	804	703	577	601	569	628	440	1,293	643	789	774	757	967	1,077	751	805	885	3,518
EBITDA	1,019	963	841	847	948	942	918	965	971	1,092	1,549	1,221	1,469	1,015	478	156	509	1,037	1,713	1,738	1,833	1,375	1,573	1,444	1,430	842	901	855	949	657	1,827	965	1,149	1,093	1,109	1,378	1,557	1,091	1,190	1,331	5,169

LTM = last twelve months (sum of the four most recent quarters).

Showing the most recent 40 periods — older statements are on file for this stock.

Data as of: September 24, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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