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.
Revenue
$4.7B
Gross Profit
N/A
Operating Profit
$1.4B
Net Profit
$1.1B
Gross Margin
N/A
Operating Margin
30.3%
Net Margin
22.8%
YoY Growth
2.4%
EPS
$2.86
Synchrony Financial Q3 FY2025 Financial Summary
Synchrony Financial reported revenue of $4.7B (up 2.4% YoY) for Q3 FY2025, with a net profit of $1.1B (up 36.5% YoY) (22.8% margin).
Key Financial Metrics
| Total Revenue | $4.7B |
|---|---|
| Net Profit | $1.1B |
| Gross Margin | N/A |
| Operating Margin | 30.3% |
| Report Period | Q3 FY2025 |
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 |
Synchrony Financial Quarterly Revenue & Net Profit History
Synchrony Financial results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $4.8B | +3.7% | $751.0M | 15.8% |
| Q3 FY2025 | $4.7B | +2.4% | $1.1B | 22.8% |
| Q2 FY2025 | $4.5B | +2.6% | $967.0M | 21.4% |
| Q1 FY2025 | $4.5B | +1.3% | $757.0M | 17.0% |
| Q4 FY2024 | $4.6B | +2.8% | $774.0M | 16.9% |
| Q3 FY2024 | $4.6B | +5.7% | $789.0M | 17.1% |
| Q2 FY2024 | $4.4B | +6.9% | $643.0M | 14.6% |
| Q1 FY2024 | $4.4B | +8.7% | $1.3B | 29.4% |
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 |