US Stock MarketDetailed Quotes

Synchrony Financial (SYF)

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  • 77.700
  • -0.120-0.15%
Close Jan 15 15:59 ET
  • 77.760
  • +0.060+0.08%
Post 19:59 ET
27.99BMarket Cap8.52P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Synchrony Financial (SYF) Income Statement

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q3)Sep 30, 2025
(Q2)Jun 30, 2025
(Q1)Mar 31, 2025
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
(FY)Dec 31, 2023
(Q4)Dec 31, 2023
Total revenue
0.24%3.82B
-1.75%3.65B
-0.29%3.72B
18.33%16.13B
3.88%3.8B
9.76%3.81B
12.69%3.71B
16.57%3.73B
16.73%13.63B
18.30%3.66B
Net interest income
2.41%4.72B
2.63%4.52B
1.34%4.46B
5.95%18.01B
2.82%4.59B
5.66%4.61B
6.92%4.41B
8.74%4.41B
8.79%17B
8.77%4.47B
-Net interest income
-0.93%5.73B
0.07%5.59B
-0.32%5.55B
9.34%22.65B
2.90%5.71B
8.05%5.79B
11.17%5.58B
16.34%5.57B
20.79%20.71B
17.86%5.55B
-Interest income from loans and lease
-0.22%5.51B
0.51%5.33B
0.36%5.31B
8.51%21.6B
2.95%5.48B
7.20%5.52B
10.16%5.3B
14.67%5.29B
17.90%19.9B
16.32%5.32B
-Interest income from securities
-15.97%221M
-8.19%258M
-13.45%238M
29.83%1.05B
1.77%230M
29.56%263M
34.45%281M
61.76%275M
204.91%808M
71.21%226M
-Total interest expense
-14.03%1.01B
-9.52%1.07B
-6.62%1.09B
24.87%4.63B
3.23%1.12B
18.55%1.18B
30.63%1.18B
58.23%1.16B
143.98%3.71B
79.90%1.08B
-Interest expense for deposit
-16.12%812M
-11.58%855M
-7.55%882M
28.93%3.81B
4.44%917M
21.00%968M
34.87%967M
71.27%954M
192.86%2.95B
99.09%878M
-Interest expense for long term debt and capital securities
-4.33%199M
0.00%210M
-2.39%204M
9.09%828M
-1.95%201M
8.33%208M
14.13%210M
17.42%209M
47.95%759M
27.33%205M
Non interest income
-12.83%-897M
-26.12%-874M
-10.36%-746M
44.07%-1.89B
1.98%-791M
10.37%-795M
16.10%-693M
20.66%-676M
14.65%-3.37B
20.34%-807M
-Fees and commissions
4.99%421M
6.19%412M
0.79%385M
3.05%1.59B
1.96%417M
0.75%401M
0.26%388M
10.09%382M
12.56%1.54B
15.86%409M
-Other non interest income
-10.20%-1.32B
-18.96%-1.29B
-6.90%-1.13B
29.29%-3.47B
0.66%-1.21B
6.93%-1.2B
10.88%-1.08B
11.76%-1.06B
7.65%-4.91B
10.98%-1.22B
Credit losses provision
28.24%-1.15B
32.23%-1.15B
20.86%-1.49B
-12.88%-6.73B
13.47%-1.56B
-7.33%-1.6B
-22.27%-1.69B
-46.05%-1.88B
-76.74%-5.97B
-50.21%-1.8B
Non interest expense
4.96%1.25B
5.78%1.25B
3.07%1.24B
0.80%4.8B
-6.99%1.22B
3.03%1.19B
0.68%1.18B
7.77%1.21B
9.71%4.76B
14.34%1.32B
Professional expense and contract services expense
3.90%240M
0.00%236M
-1.36%217M
11.16%936M
9.21%249M
5.48%231M
12.92%236M
18.28%220M
1.20%842M
-2.15%228M
Selling and administrative expenses
6.13%623M
12.97%636M
0.16%622M
-2.41%2.35B
-13.91%582M
3.16%587M
-3.60%563M
6.70%621M
11.21%2.41B
16.55%676M
-General and administrative expense
8.41%503M
17.28%509M
2.02%506M
-2.92%1.83B
-19.14%435M
4.50%464M
-3.77%434M
9.98%496M
12.08%1.88B
17.21%538M
-Selling and marketing expense
-2.44%120M
-1.55%127M
-7.20%116M
-0.57%524M
6.52%147M
-1.60%123M
-3.01%129M
-4.58%125M
8.21%527M
14.05%138M
Other non-interest expense
3.77%385M
-1.32%373M
10.68%404M
0.13%1.51B
-4.61%393M
1.37%371M
0.53%378M
3.99%365M
12.57%1.51B
21.89%412M
Income from associates and other participating interests
Special income (charges)
0
-43M
1.07B
Gain on sale of business
----
----
--0
----
----
----
----
--1.07B
----
----
Less:Restructuring and mergern&acquisition
----
----
----
--43M
----
----
----
----
----
----
Other non-operating income (expenses)
Income before tax
39.01%1.43B
48.82%1.26B
-42.39%984M
56.78%4.55B
80.52%973M
23.41%1.03B
13.75%844M
116.20%1.71B
-26.70%2.9B
-27.26%539M
Income tax
47.28%352M
43.78%289M
-45.30%227M
58.26%1.05B
101.01%199M
16.59%239M
16.18%201M
119.58%415M
-29.60%666M
-39.63%99M
Earnings from equity interest net of tax
Net income
36.50%1.08B
50.39%967M
-41.45%757M
56.34%3.5B
75.91%774M
25.64%789M
13.01%643M
115.14%1.29B
-25.80%2.24B
-23.74%440M
Net Income continuous operations
36.50%1.08B
50.39%967M
-41.45%757M
56.34%3.5B
75.91%774M
25.64%789M
13.01%643M
115.14%1.29B
-25.80%2.24B
-23.74%440M
Minority interest income
Net income attributable to the parent company
36.50%1.08B
50.39%967M
-41.45%757M
56.34%3.5B
75.91%774M
25.64%789M
13.01%643M
115.14%1.29B
-25.80%2.24B
-23.74%440M
Preferred stock dividends
-4.76%20M
10.53%21M
90.91%21M
71.43%72M
90.91%21M
110.00%21M
90.00%19M
0.00%11M
0.00%42M
10.00%11M
Other preferred stock dividend
Net income attributable to common stockholders
37.63%1.06B
51.60%946M
-42.59%736M
56.06%3.43B
75.52%753M
24.27%768M
11.63%624M
117.29%1.28B
-26.16%2.2B
-24.34%429M
Basic earnings per share
47.45%2.89
60.90%2.51
-39.75%1.91
65.83%8.64
85.58%1.93
31.54%1.96
18.18%1.56
133.09%3.17
-15.83%5.21
-18.11%1.04
Diluted earnings per share
47.42%2.86
61.29%2.5
-39.81%1.89
64.74%8.55
85.44%1.91
31.08%1.94
17.42%1.55
132.59%3.14
-15.61%5.19
-18.25%1.03
Dividend per share
20.00%0.3
20.00%0.3
0.00%0.25
4.17%1
0.00%0.25
0.00%0.25
8.70%0.25
8.70%0.25
6.67%0.96
8.70%0.25
Currency Unit
USD
USD
USD
USD
USD
USD
USD
USD
USD
USD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
--
--
Unqualified Opinion
--
--
--
--
Unqualified Opinion
--
(Q3)Sep 30, 2025(Q2)Jun 30, 2025(Q1)Mar 31, 2025(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024(FY)Dec 31, 2023(Q4)Dec 31, 2023
Total revenue 0.24%3.82B-1.75%3.65B-0.29%3.72B18.33%16.13B3.88%3.8B9.76%3.81B12.69%3.71B16.57%3.73B16.73%13.63B18.30%3.66B
Net interest income 2.41%4.72B2.63%4.52B1.34%4.46B5.95%18.01B2.82%4.59B5.66%4.61B6.92%4.41B8.74%4.41B8.79%17B8.77%4.47B
-Net interest income -0.93%5.73B0.07%5.59B-0.32%5.55B9.34%22.65B2.90%5.71B8.05%5.79B11.17%5.58B16.34%5.57B20.79%20.71B17.86%5.55B
-Interest income from loans and lease -0.22%5.51B0.51%5.33B0.36%5.31B8.51%21.6B2.95%5.48B7.20%5.52B10.16%5.3B14.67%5.29B17.90%19.9B16.32%5.32B
-Interest income from securities -15.97%221M-8.19%258M-13.45%238M29.83%1.05B1.77%230M29.56%263M34.45%281M61.76%275M204.91%808M71.21%226M
-Total interest expense -14.03%1.01B-9.52%1.07B-6.62%1.09B24.87%4.63B3.23%1.12B18.55%1.18B30.63%1.18B58.23%1.16B143.98%3.71B79.90%1.08B
-Interest expense for deposit -16.12%812M-11.58%855M-7.55%882M28.93%3.81B4.44%917M21.00%968M34.87%967M71.27%954M192.86%2.95B99.09%878M
-Interest expense for long term debt and capital securities -4.33%199M0.00%210M-2.39%204M9.09%828M-1.95%201M8.33%208M14.13%210M17.42%209M47.95%759M27.33%205M
Non interest income -12.83%-897M-26.12%-874M-10.36%-746M44.07%-1.89B1.98%-791M10.37%-795M16.10%-693M20.66%-676M14.65%-3.37B20.34%-807M
-Fees and commissions 4.99%421M6.19%412M0.79%385M3.05%1.59B1.96%417M0.75%401M0.26%388M10.09%382M12.56%1.54B15.86%409M
-Other non interest income -10.20%-1.32B-18.96%-1.29B-6.90%-1.13B29.29%-3.47B0.66%-1.21B6.93%-1.2B10.88%-1.08B11.76%-1.06B7.65%-4.91B10.98%-1.22B
Credit losses provision 28.24%-1.15B32.23%-1.15B20.86%-1.49B-12.88%-6.73B13.47%-1.56B-7.33%-1.6B-22.27%-1.69B-46.05%-1.88B-76.74%-5.97B-50.21%-1.8B
Non interest expense 4.96%1.25B5.78%1.25B3.07%1.24B0.80%4.8B-6.99%1.22B3.03%1.19B0.68%1.18B7.77%1.21B9.71%4.76B14.34%1.32B
Professional expense and contract services expense 3.90%240M0.00%236M-1.36%217M11.16%936M9.21%249M5.48%231M12.92%236M18.28%220M1.20%842M-2.15%228M
Selling and administrative expenses 6.13%623M12.97%636M0.16%622M-2.41%2.35B-13.91%582M3.16%587M-3.60%563M6.70%621M11.21%2.41B16.55%676M
-General and administrative expense 8.41%503M17.28%509M2.02%506M-2.92%1.83B-19.14%435M4.50%464M-3.77%434M9.98%496M12.08%1.88B17.21%538M
-Selling and marketing expense -2.44%120M-1.55%127M-7.20%116M-0.57%524M6.52%147M-1.60%123M-3.01%129M-4.58%125M8.21%527M14.05%138M
Other non-interest expense 3.77%385M-1.32%373M10.68%404M0.13%1.51B-4.61%393M1.37%371M0.53%378M3.99%365M12.57%1.51B21.89%412M
Income from associates and other participating interests
Special income (charges) 0-43M1.07B
Gain on sale of business ----------0------------------1.07B--------
Less:Restructuring and mergern&acquisition --------------43M------------------------
Other non-operating income (expenses)
Income before tax 39.01%1.43B48.82%1.26B-42.39%984M56.78%4.55B80.52%973M23.41%1.03B13.75%844M116.20%1.71B-26.70%2.9B-27.26%539M
Income tax 47.28%352M43.78%289M-45.30%227M58.26%1.05B101.01%199M16.59%239M16.18%201M119.58%415M-29.60%666M-39.63%99M
Earnings from equity interest net of tax
Net income 36.50%1.08B50.39%967M-41.45%757M56.34%3.5B75.91%774M25.64%789M13.01%643M115.14%1.29B-25.80%2.24B-23.74%440M
Net Income continuous operations 36.50%1.08B50.39%967M-41.45%757M56.34%3.5B75.91%774M25.64%789M13.01%643M115.14%1.29B-25.80%2.24B-23.74%440M
Minority interest income
Net income attributable to the parent company 36.50%1.08B50.39%967M-41.45%757M56.34%3.5B75.91%774M25.64%789M13.01%643M115.14%1.29B-25.80%2.24B-23.74%440M
Preferred stock dividends -4.76%20M10.53%21M90.91%21M71.43%72M90.91%21M110.00%21M90.00%19M0.00%11M0.00%42M10.00%11M
Other preferred stock dividend
Net income attributable to common stockholders 37.63%1.06B51.60%946M-42.59%736M56.06%3.43B75.52%753M24.27%768M11.63%624M117.29%1.28B-26.16%2.2B-24.34%429M
Basic earnings per share 47.45%2.8960.90%2.51-39.75%1.9165.83%8.6485.58%1.9331.54%1.9618.18%1.56133.09%3.17-15.83%5.21-18.11%1.04
Diluted earnings per share 47.42%2.8661.29%2.5-39.81%1.8964.74%8.5585.44%1.9131.08%1.9417.42%1.55132.59%3.14-15.61%5.19-18.25%1.03
Dividend per share 20.00%0.320.00%0.30.00%0.254.17%10.00%0.250.00%0.258.70%0.258.70%0.256.67%0.968.70%0.25
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ------Unqualified Opinion--------Unqualified Opinion--
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