Net income was $3.6 billion. Diluted earnings per share were $9.28.
USD in millions, except per-share amounts and margins. The percent under a figure is the change from the year before.
| Line |
FY 2026
Sep 30, 2026
|
FY 2025
Dec 31, 2025
|
FY 2024
Dec 31, 2024
|
FY 2023
Dec 31, 2023
|
FY 2022
Dec 31, 2022
|
FY 2021
Dec 31, 2021
|
FY 2020
Dec 31, 2020
|
FY 2019
Dec 31, 2019
|
FY 2018
Dec 31, 2018
|
FY 2017
Dec 31, 2017
|
FY 2016
Dec 31, 2016
|
|---|---|---|---|---|---|---|---|---|---|---|---|
| Pretax income |
4,366
-5.9%
|
4,621
+1.5%
|
4,553
+56.8%
|
2,904
-26.7%
|
3,962
-28.0%
|
5,503
+206.2%
|
1,797
-63.2%
|
4,887
+34.1%
|
3,644
+9.6%
|
3,324
-6.9%
|
3,570
+1.1%
|
| Income tax |
1,033
-3.2%
|
1,069
+1.4%
|
1,054
+58.3%
|
666
-29.6%
|
946
-26.2%
|
1,282
+211.2%
|
412
-63.9%
|
1,140
+33.5%
|
854
-38.5%
|
1,389
+5.3%
|
1,319
+0.2%
|
| Net income |
3,333
-6.8%
|
3,552
+1.5%
|
3,499
+56.3%
|
2,238
-25.8%
|
3,016
-28.5%
|
4,221
+204.8%
|
1,385
-63.0%
|
3,747
+34.3%
|
2,790
+44.2%
|
1,935
-14.0%
|
2,251
+1.7%
|
| Net income to common |
3,242
-7.2%
|
3,469
+1.2%
|
3,427
+56.1%
|
2,196
-26.2%
|
2,974
-28.8%
|
4,179
+211.2%
|
1,343
-64.2%
|
3,747
|
—
|
—
|
—
|
| Basic EPS |
9.64
+4.7%
|
9.38
+8.6%
|
8.64
+65.8%
|
5.21
-15.8%
|
6.19
-16.4%
|
7.40
+224.6%
|
2.28
-59.2%
|
5.59
+48.7%
|
3.76
+54.7%
|
2.43
-10.3%
|
2.71
+1.9%
|
| Diluted EPS |
9.53
+4.7%
|
9.28
+8.5%
|
8.55
+64.7%
|
5.19
-15.6%
|
6.15
-16.2%
|
7.34
+223.3%
|
2.27
-59.2%
|
5.56
+48.7%
|
3.74
+54.5%
|
2.42
-10.7%
|
2.71
+2.3%
|
| Weighted average shares, basic |
336
-11.3%
|
370
-6.7%
|
396
-5.9%
|
421
-12.3%
|
480
-14.9%
|
565
-4.1%
|
589
-12.1%
|
670
-9.7%
|
742
-6.7%
|
796
-4.1%
|
829
-0.6%
|
| Weighted average shares, diluted |
340
-11.3%
|
374
-6.7%
|
401
-5.4%
|
424
-12.4%
|
483
-15.1%
|
569
-3.6%
|
591
-12.3%
|
674
-9.8%
|
747
-6.6%
|
800
-3.8%
|
832
-0.5%
|
| Other measures | |||||||||||
| Depreciation and amortization |
577
+16.6%
|
514
+6.9%
|
481
+5.0%
|
458
+9.3%
|
419
+7.4%
|
390
+1.8%
|
383
+4.4%
|
367
+21.5%
|
302
+18.9%
|
254
+16.0%
|
219
+25.9%
|
| Margins | |||||||||||
| Effective tax rate |
23.66%
|
23.13%
|
23.15%
|
22.93%
|
23.88%
|
23.30%
|
22.93%
|
23.33%
|
23.44%
|
41.79%
|
36.95%
|
How these figures are calculated
Annual columns are full-year amounts from the annual report (Form 10-K, 20-F, or 40-F). If a company restates a year, the latest filed number is shown. USD in millions, except per-share amounts and margins. Weighted average shares are in millions. Interest expense and finance costs are positive costs. A negative amount on a gain (loss) or income (expense) line is a loss or an expense. EBITDA is operating income plus depreciation and amortization. Interest coverage is operating income divided by interest expense. The first column is the trailing twelve months through the latest quarter. More on our methodology.
New to this? Read How to Read an Income Statement, With a Real Example.
Company profile
- Industry
- Finance Services (SIC 6199)
- Listed as
- SYF (NYSE), SYF-PA (NYSE), SYF-PB (NYSE)
- Fiscal year ends
- December 31
- Incorporated in
- NY
- Headquarters
- Stamford, CT
- SEC filer status
- Large accelerated filer
- SEC CIK
- 1601712
- Former names
- Synchrony Financial (until Oct 22, 2026)
Other Finance Services companies
- American Express Co AXP
- Strategy Inc MSTR
- Nu Holdings Ltd. NU
- Coinbase Global, Inc. COIN
- SoFi Technologies, Inc. SOFI
- Circle Internet Group, Inc. CRCL
- Bitmine Immersion Technologies, Inc. BMNR
- Chime Financial, Inc. CHYM
Source: SEC EDGAR filings. This is company-reported data, not investment advice.