Synchrony FinancialSYFEarnings & Financial Report
Synchrony Financial is an American consumer financial services company with its headquarters in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries and consumers through Synchrony Bank, its wholly owned online bank subsidiary.
SYF Q4 2025 Key Financial Metrics
Revenue
$4.8B
Gross Profit
N/A
Operating Profit
N/A
Net Profit
$751.0M
Gross Margin
N/A
Operating Margin
N/A
Net Margin
15.8%
YoY Growth
3.7%
EPS
$2.03
Financial Flow
Synchrony Financial Q4 2025 Financial Summary
Synchrony Financial reported revenue of $4.8B for Q4 2025, with a net profit of $751.0M (15.8% margin). Cost of goods sold was N/A, operating expenses totaled N/A.
Key Financial Metrics
| Total Revenue | $4.8B |
|---|---|
| Net Profit | $751.0M |
| Gross Margin | N/A |
| Operating Margin | N/A |
| Report Period | Q4 2025 |
Synchrony Financial Annual Revenue by Year
Synchrony Financial annual revenue history includes year-by-year totals (for example, 2025 revenue was $18.5B).
| Year | Annual Revenue |
|---|---|
| 2025 | $18.5B |
| 2024 | $18.0B |
| 2023 | $17.0B |
| 2022 | $15.6B |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.41B | $4.41B | $4.61B | $4.59B | $4.46B | $4.52B | $4.72B | $4.76B |
| YoY Growth | 8.7% | 6.9% | 5.7% | 2.8% | 1.3% | 2.6% | 2.4% | 3.7% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $121.17B | $120.49B | $119.23B | $119.46B | $122.03B | $120.50B | $116.98B | $119.09B |
| Liabilities | $105.89B | $104.95B | $103.25B | $102.88B | $105.44B | $103.55B | $99.92B | $102.33B |
| Equity | $15.28B | $15.54B | $15.98B | $16.58B | $16.58B | $16.95B | $17.07B | $16.77B |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $2.25B | $2.48B | $2.76B | $2.35B | $2.20B | $2.56B | $2.64B | $2.45B |
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