SYF

NYSE · Financial Services

Synchrony Financial

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$73.74

-0.33 (-0.45%)

As of Nov 7, 1:08 AM ET ·

Financial Highlights (FY 2026)

Revenue

10.36B

Net Income

2.97B

Gross Margin

—

Profit Margin

18.8%

Rev Growth

-3.5%

D/E Ratio

0.91

Revenue & Net Income

Margin Trends

	FY 2026	FY 2025	FY 2024	FY 2023
Gross Margin	—	—	46.1%	46.1%
Operating Margin	24.8%	22.3%	36.1%	37.7%
Profit Margin	18.8%	17.9%	36.6%	36.0%

Income Statement

	FY 2026	FY 2025	FY 2024	FY 2023
Revenue	10.36B	10.73B	3.54B	4.07B
Gross Profit	—	—	1.63B	1.87B
Operating Income	2.56B	2.39B	1.28B	1.53B
Net Income	2.97B	2.77B	1.29B	1.46B
Gross Margin	—	—	46.1%	46.1%
Operating Margin	24.8%	22.3%	36.1%	37.7%
Profit Margin	18.8%	17.9%	36.6%	36.0%
Rev Growth	-3.5%	-3.5%	-5.8%	+17.6%

Balance Sheet

	FY 2026	FY 2025	FY 2024	FY 2023
Total Debt	5.48B	5.48B	11.41B	9.77B
Total Equity	6.05B	6.05B	15.76B	15.09B
D/E Ratio	0.91	0.91	0.72	0.65

Cash Flow

	FY 2026	FY 2025	FY 2024	FY 2023
EBITDA	3.09B	3.04B	1.72B	2.23B
Free Cash Flow	—	—	1.30B	2.12B