The Filings Report

SYNCHRONY FINANCIAL

SYFNYSECIK 1601712Financial / Credit Servicesfiscal year ends December55 quarters since 2013

Revenue, Q3 FY2026
—
no year-earlier figure
Net income
$892M
−17.2% on Q3 FY2025
Free cash flow
—
no year-earlier figure
Diluted EPS
$2.68
−6.3% on Q3 FY2025
Revenue, TTM
—
trailing four quarters
Net margin, TTM
—
net income $3.3B
Free cash flow, TTM
—
Cash and equivalents
$15.9B
long-term debt $17.0B, Sep 30, 2026
Shares, 12-month change
−13.5%
311M shares, Sep 30, 2026
Buybacks, TTM
$3.8B
16.4% of market value
Dividends, TTM
$420M
1.8% of market value
Market value
$23.5B
at the close, buybacks

Latest quarter Q3 FY2026, filed October 22, 2026. Trailing figures sum the latest four quarters. Market values at the latest close, from a market data vendor.

In Q3 FY2026, the quarter ended September 30, 2026, SYNCHRONY FINANCIAL reported no revenue line, and net income of $892M (−17.2%). Diluted earnings per share were $2.68.

The last 16 quarters

Q4 FY2022 to Q3 FY2026, through the filing of October 22, 2026.

Revenue and net incomeRevenueNet income
$0$500M$1.0B$1.5BQ4'22, Net income: $577MQ4'22Q1'23, Net income: $601MQ1'23Q2'23, Net income: $569MQ2'23Q3'23, Net income: $628MQ3'23Q4'23, Net income: $440MQ4'23Q1'24, Net income: $1.3BQ1'24Q2'24, Net income: $643MQ2'24Q3'24, Net income: $789MQ3'24Q4'24, Net income: $774MQ4'24Q1'25, Net income: $757MQ1'25Q2'25, Net income: $967MQ2'25Q3'25, Net income: $1.1BQ3'25Q4'25, Net income: $751MQ4'25Q1'26, Net income: $805MQ1'26Q2'26, Net income: $885MQ2'26Q3'26, Net income: $892MQ3'26$0$500M$1.0B$1.5BQ4'22, Net income: $577MQ1'23, Net income: $601MQ1'23Q2'23, Net income: $569MQ3'23, Net income: $628MQ3'23Q4'23, Net income: $440MQ1'24, Net income: $1.3BQ1'24Q2'24, Net income: $643MQ3'24, Net income: $789MQ3'24Q4'24, Net income: $774MQ1'25, Net income: $757MQ1'25Q2'25, Net income: $967MQ3'25, Net income: $1.1BQ3'25Q4'25, Net income: $751MQ1'26, Net income: $805MQ1'26Q2'26, Net income: $885MQ3'26, Net income: $892MQ3'26

Net income losses drawn in red.

Cash and equivalents against long-term debtCash and equivalentsLong-term debt
$0$10B$20B$30BQ4'22, Cash and equivalents: $10.3BQ4'22, Long-term debt: $14.2BQ4'22Q1'23, Cash and equivalents: $15.3BQ1'23, Long-term debt: $14.9BQ1'23Q2'23, Cash and equivalents: $12.7BQ2'23, Long-term debt: $14.2BQ2'23Q3'23, Cash and equivalents: $15.6BQ3'23, Long-term debt: $15.2BQ3'23Q4'23, Cash and equivalents: $14.3BQ4'23, Long-term debt: $16.0BQ4'23Q1'24, Cash and equivalents: $20.0BQ1'24, Long-term debt: $16.1BQ1'24Q2'24, Cash and equivalents: $18.6BQ2'24, Long-term debt: $15.6BQ2'24Q3'24, Cash and equivalents: $17.9BQ3'24, Long-term debt: $15.6BQ3'24Q4'24, Cash and equivalents: $14.7BQ4'24, Long-term debt: $15.5BQ4'24Q1'25, Cash and equivalents: $21.6BQ1'25, Long-term debt: $17.0BQ1'25Q2'25, Cash and equivalents: $19.5BQ2'25, Long-term debt: $16.0BQ2'25Q3'25, Cash and equivalents: $16.2BQ3'25, Long-term debt: $14.4BQ3'25Q4'25, Cash and equivalents: $15.0BQ4'25, Long-term debt: $15.2BQ4'25Q1'26, Cash and equivalents: $20.6BQ1'26, Long-term debt: $16.4BQ1'26Q2'26, Cash and equivalents: $16.2BQ2'26, Long-term debt: $16.4BQ2'26Q3'26, Cash and equivalents: $15.9BQ3'26, Long-term debt: $17.0BQ3'26$0$10B$20B$30BQ4'22, Cash and equivalents: $10.3BQ4'22, Long-term debt: $14.2BQ1'23, Cash and equivalents: $15.3BQ1'23, Long-term debt: $14.9BQ1'23Q2'23, Cash and equivalents: $12.7BQ2'23, Long-term debt: $14.2BQ3'23, Cash and equivalents: $15.6BQ3'23, Long-term debt: $15.2BQ3'23Q4'23, Cash and equivalents: $14.3BQ4'23, Long-term debt: $16.0BQ1'24, Cash and equivalents: $20.0BQ1'24, Long-term debt: $16.1BQ1'24Q2'24, Cash and equivalents: $18.6BQ2'24, Long-term debt: $15.6BQ3'24, Cash and equivalents: $17.9BQ3'24, Long-term debt: $15.6BQ3'24Q4'24, Cash and equivalents: $14.7BQ4'24, Long-term debt: $15.5BQ1'25, Cash and equivalents: $21.6BQ1'25, Long-term debt: $17.0BQ1'25Q2'25, Cash and equivalents: $19.5BQ2'25, Long-term debt: $16.0BQ3'25, Cash and equivalents: $16.2BQ3'25, Long-term debt: $14.4BQ3'25Q4'25, Cash and equivalents: $15.0BQ4'25, Long-term debt: $15.2BQ1'26, Cash and equivalents: $20.6BQ1'26, Long-term debt: $16.4BQ1'26Q2'26, Cash and equivalents: $16.2BQ2'26, Long-term debt: $16.4BQ3'26, Cash and equivalents: $15.9BQ3'26, Long-term debt: $17.0BQ3'26

Positions at each quarter end, as filed; short-term investments are not included.

Income statement

Last eight quarters, newest first, through Q3 FY2026 filed October 22, 2026.

SYNCHRONY FINANCIAL income statement, quarterly
Millions of dollarsQ3 FY2026ended Sep 30, 2026filed Oct 22, 2026Q2 FY2026ended Jun 30, 2026filed Jul 23, 2026Q1 FY2026ended Mar 31, 2026filed Apr 23, 2026Q4 FY2025ended Dec 31, 2025filed Feb 6, 2026Q3 FY2025ended Sep 30, 2025filed Oct 22, 2025Q2 FY2025ended Jun 30, 2025filed Jul 23, 2025Q1 FY2025ended Mar 31, 2025filed Apr 24, 2025Q4 FY2024ended Dec 31, 2024filed Feb 7, 2025YoYQ3 FY2026vs Q3 FY2025
Revenue—————————
Cost of revenue—————————
Gross profit—————————
Research and development—————————
Selling, general and administrative—————————
Operating income—————————
Other income (expense)—————————
Pretax income1,1811,1861,0479521,4291,256984973−17.4%
Income tax289301242201352289227199−17.9%
Net income8928858057511,077967757774−17.2%
Diluted EPS ($)2.682.592.27—2.862.501.89—−6.3%
Diluted shares (millions)322334346—370379389——

Fourth quarters are the fiscal year less the first nine months when the filer reports no discrete fourth quarter, and are marked. Diluted EPS is never derived, so a derived quarter shows none. Italic figures are derived.

Balance sheet

Last eight quarters, newest first, through Q3 FY2026 filed October 22, 2026.

SYNCHRONY FINANCIAL balance sheet, quarterly
Millions of dollarsQ3 FY2026ended Sep 30, 2026filed Oct 22, 2026Q2 FY2026ended Jun 30, 2026filed Jul 23, 2026Q1 FY2026ended Mar 31, 2026filed Apr 23, 2026Q4 FY2025ended Dec 31, 2025filed Feb 6, 2026Q3 FY2025ended Sep 30, 2025filed Oct 22, 2025Q2 FY2025ended Jun 30, 2025filed Jul 23, 2025Q1 FY2025ended Mar 31, 2025filed Apr 24, 2025Q4 FY2024ended Dec 31, 2024filed Feb 7, 2025YoYQ3 FY2026vs Q3 FY2025
Cash and equivalents15,90116,19320,55914,97316,24519,45721,62914,711−2.1%
Short-term investments—————————
Total current assets—————————
Total assets122,469121,930121,501119,095116,984120,505122,026119,463+4.7%
Total current liabilities—————————
Long-term debt17,02516,43216,42815,18214,43116,00917,00915,462+18.0%
Total liabilities105,919105,033105,024102,32999,919103,553105,445102,883+6.0%
Stockholders’ equity16,55016,89716,47716,76617,06516,95216,58116,580−3.0%
Shares outstanding (millions)311325337348360372381389—

Positions at each period end. Nothing on this statement is derived. Long-term debt is the filed noncurrent line only; no total-debt composite is constructed across filers. Italic figures are derived.

Cash flow statement

Last eight quarters, newest first, through Q3 FY2026 filed October 22, 2026.

SYNCHRONY FINANCIAL cash flow statement, quarterly
Millions of dollarsQ3 FY2026ended Sep 30, 2026filed Oct 22, 2026Q2 FY2026ended Jun 30, 2026filed Jul 23, 2026Q1 FY2026ended Mar 31, 2026filed Apr 23, 2026Q4 FY2025ended Dec 31, 2025filed Feb 6, 2026Q3 FY2025ended Sep 30, 2025filed Oct 22, 2025Q2 FY2025ended Jun 30, 2025filed Jul 23, 2025Q1 FY2025ended Mar 31, 2025filed Apr 24, 2025Q4 FY2024ended Dec 31, 2024filed Feb 7, 2025YoYQ3 FY2026vs Q3 FY2025
Operating cash flow2,4982,4202,1832,4542,6372,5602,2002,353−5.3%
Capital expenditures—————————
Free cash flow (CFO − capex)—————————
Depreciation and amortization150145143139128122125120+17.2%
Share repurchases1,100878900962870504605101+26.4%
Dividends paid11010010410611011497970.0%

10-Qs file cash flows as year-to-date totals, so quarterly figures are differenced from consecutive filings and marked. Free cash flow is operating cash flow less capital expenditures, computed from the two filed lines. Italic figures are derived.

Annual statements

Every fiscal year filed, newest first, through FY2025 filed February 6, 2026.

Income statement

SYNCHRONY FINANCIAL income statement, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Feb 6, 2026FY2024ended Dec 31, 2024filed Feb 7, 2025FY2023ended Dec 31, 2023filed Feb 8, 2024FY2022ended Dec 31, 2022filed Feb 9, 2023FY2021ended Dec 31, 2021filed Feb 10, 2022FY2020ended Dec 31, 2020filed Feb 11, 2021FY2019ended Dec 31, 2019filed Feb 13, 2020FY2018ended Dec 31, 2018filed Feb 15, 2019FY2017ended Dec 31, 2017filed Feb 22, 2018FY2016ended Dec 31, 2016filed Feb 23, 2017FY2015ended Dec 31, 2015filed Feb 25, 2016FY2014ended Dec 31, 2014filed Feb 23, 2015FY2013ended Dec 31, 2013filed Sep 5, 2014FY2012ended Dec 31, 2012filed Sep 5, 2014
Revenue——————————————
Cost of revenue——————————————
Gross profit——————————————
Research and development——————————————
Selling, general and administrative——————————————
Operating income——————————————
Other income (expense)——————————————
Pretax income4,6214,5532,9043,9625,5031,7974,8873,6443,3243,5703,5313,3863,1423,376
Income tax1,0691,0546669461,2824121,1408541,3891,3191,3171,2771,1631,257
Net income3,5523,4992,2383,0164,2211,3853,7472,7901,9352,2512,2142,1091,9792,119
Diluted EPS ($)9.288.555.196.157.342.275.563.742.422.712.652.782.813.00
Diluted shares (millions)374401424483569591674747800832836758705705

Balance sheet

SYNCHRONY FINANCIAL balance sheet, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Feb 6, 2026FY2024ended Dec 31, 2024filed Feb 7, 2025FY2023ended Dec 31, 2023filed Feb 8, 2024FY2022ended Dec 31, 2022filed Feb 9, 2023FY2021ended Dec 31, 2021filed Feb 10, 2022FY2020ended Dec 31, 2020filed Feb 11, 2021FY2019ended Dec 31, 2019filed Feb 13, 2020FY2018ended Dec 31, 2018filed Feb 15, 2019FY2017ended Dec 31, 2017filed Feb 22, 2018FY2016ended Dec 31, 2016filed Feb 23, 2017FY2015ended Dec 31, 2015filed Feb 25, 2016FY2014ended Dec 31, 2014filed Feb 23, 2015FY2013ended Dec 31, 2013filed Sep 5, 2014FY2012ended Dec 31, 2012filed Sep 5, 2014
Cash and equivalents14,97314,71114,25910,2948,33711,52412,1479,39611,6029,32112,32511,8282,3191,334
Short-term investments——————————————
Total current assets——————————————
Total assets119,095119,463117,479104,56495,74895,948104,826106,79295,80890,20783,99075,70759,085—
Total current liabilities——————————————
Long-term debt15,18215,46215,98214,19114,50715,77519,86623,99620,79920,14724,279———
Total liabilities102,329102,883103,57691,69182,09383,24789,73892,11481,57476,01171,38665,22953,125—
Stockholders’ equity16,76616,58013,90312,87313,65512,70115,08814,67814,23414,19612,60410,4785,9604,582
Shares outstanding (millions)348389407437521584613710760811834834——

Cash flow statement

SYNCHRONY FINANCIAL cash flow statement, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Feb 6, 2026FY2024ended Dec 31, 2024filed Feb 7, 2025FY2023ended Dec 31, 2023filed Feb 8, 2024FY2022ended Dec 31, 2022filed Feb 9, 2023FY2021ended Dec 31, 2021filed Feb 10, 2022FY2020ended Dec 31, 2020filed Feb 11, 2021FY2019ended Dec 31, 2019filed Feb 13, 2020FY2018ended Dec 31, 2018filed Feb 15, 2019FY2017ended Dec 31, 2017filed Feb 22, 2018FY2016ended Dec 31, 2016filed Feb 23, 2017FY2015ended Dec 31, 2015filed Feb 25, 2016FY2014ended Dec 31, 2014filed Feb 23, 2015FY2013ended Dec 31, 2013filed Sep 5, 2014FY2012ended Dec 31, 2012filed Sep 5, 2014
Operating cash flow9,8519,8488,5936,6947,0997,4878,9909,3428,5756,5116,1845,3405,6795,637
Capital expenditures——————————————
Free cash flow (CFO − capex)——————————————
Depreciation and amortization51448145841939038336730225421917413110483
Share repurchases2,9411,0081,1123,3202,8769853,6181,8681,49747600——
Dividends paid42739840643450052058153444621400——

Insider activity

Form 4 filings by officers, directors and 10% owners, November 1, 2024 to November 1, 2026. Only open-market purchases and sales count as buys and sells; awards, exercises, tax withholding and gifts are listed in grey and never counted.

Bought, three months
$0
0 purchases by 0 insiders; officers and directors $0
Sold, three months
$847K
4 sales by 4 insiders; officers and directors $847K
Bought, twelve months
$0
0 purchases by 0 insiders; officers and directors $0
Sold, twelve months
$48M
32 sales by 10 insiders; officers and directors $48M

The last 25 transactions

TradedInsiderRoleTransactionSharesPriceValueHeld afterFiled
Sep 30, 2026Coviello Arthur W JRDirectoraward846$70.97$60K27,012Oct 2, 2026
Sep 30, 2026Alves Paget LeonardDirectoraward846$70.97$60K53,380Oct 2, 2026
Sep 30, 2026Aguirre FernandoDirectoraward846$70.97$60K31,119Oct 2, 2026
Sep 30, 2026Colao Daniel ODirectoraward846$70.97$60K6,528Oct 2, 2026
Sep 30, 2026Naylor Jeffrey GDirectoraward1,287$70.97$91K66,904Oct 2, 2026
Sep 30, 2026Zane Ellen MDirectoraward846$70.97$60K33,087Oct 2, 2026
Sep 30, 2026Richie LaurelDirectoraward846$70.97$60K52,670Oct 2, 2026
Sep 30, 2026Parker P.W.Directoraward846$70.97$60K35,333Oct 2, 2026
Sep 30, 2026Chytil Kamila KDirectoraward846$70.97$60K18,775Oct 2, 2026
Sep 30, 2026Guthrie Roy ADirectoraward846$70.97$60K41,701Oct 2, 2026
Sep 30, 2026Ellinger Deborah GDirectoraward846$70.97$60K3,198Oct 2, 2026
Aug 17, 2026Casellas AlbertoSee remarksaward182$80.75$15K50,691Aug 19, 2026
Aug 17, 2026Owens DarrellSee remarksaward70$80.75$6K16,480Aug 19, 2026
Aug 17, 2026Tiliakos AmySee remarksaward49$80.75$4K19,949Aug 19, 2026
Aug 17, 2026Guthrie Roy ADirectoraward156$80.75$13K40,855Aug 19, 2026
Aug 17, 2026Chytil Kamila KDirectoraward14$80.75$1K17,929Aug 19, 2026
Aug 17, 2026Doubles Brian DSee remarks, Directoraward1,001$80.75$81K828,886Aug 19, 2026
Aug 17, 2026Richie LaurelDirectoraward138$80.75$11K51,824Aug 19, 2026
Aug 17, 2026Ellinger Deborah GDirectoraward10$80.75$8082,352Aug 19, 2026
Aug 17, 2026Mothner Jonathan SSee remarksaward218$80.75$18K132,875Aug 19, 2026
Aug 17, 2026Naylor Jeffrey GDirectoraward203$80.75$16K65,617Aug 19, 2026
Aug 17, 2026Gentleman CourtneySee remarksaward79$80.75$6K18,697Aug 19, 2026
Aug 17, 2026Colao Daniel ODirectoraward14$80.75$1K5,682Aug 19, 2026
Aug 17, 2026Aguirre FernandoDirectoraward14$80.75$1K30,273Aug 19, 2026
Aug 17, 2026Zane Ellen MDirectoraward14$80.75$1K32,241Aug 19, 2026

Full insider history for SYNCHRONY FINANCIAL, or insider activity across all companies. A record of filings, not a recommendation.

Sources

Fiscal year ends in month 12; periods are labeled with the issuer's own fiscal calendar. Values are as most recently filed (restatements apply; per-share values are on current split basis per the connector's split table, flagged in adjusted). Flow items flagged in `derived` were computed (Q4 = FY − nine months; quarterly cash flow differenced from year-to-date filings) rather than read from a filing. `reconciliation.repaired` lists periods where a full-year figure was filed in a quarter slot: that row was dropped and the quarter rebuilt from the annual figure. `reconciliation.quarantined` lists periods where four filed quarters do not sum to the filed year — those quarterly values are withheld, so a blank there is a withholding rather than an absence of reporting.

Filer
SYNCHRONY FINANCIAL, CIK 1601712 on EDGAR
Extract generated
November 1, 2026
Withheld
none
Repaired
none
XBRL concepts behind each line

Income statement

Revenue: not filed
Cost of revenue: not filed
Gross profit: not filed
Research and development: not filed
Selling, general and administrative: not filed
Operating income: not filed
Other income (expense): not filed
Pretax income: IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
Income tax: IncomeTaxExpenseBenefit
Net income: NetIncomeLoss
Diluted EPS ($): EarningsPerShareDiluted
Diluted shares (millions): WeightedAverageNumberOfDilutedSharesOutstanding

Balance sheet

Cash and equivalents: CashAndCashEquivalentsAtCarryingValue
Short-term investments: not filed
Total current assets: not filed
Total assets: Assets
Total current liabilities: not filed
Long-term debt: LongTermDebt
Total liabilities: Liabilities
Stockholders’ equity: StockholdersEquity
Shares outstanding (millions): dei:EntityCommonStockSharesOutstanding

Cash flow statement

Operating cash flow: NetCashProvidedByUsedInOperatingActivities
Capital expenditures: not filed
Free cash flow (CFO − capex): not filed
Depreciation and amortization: DepreciationDepletionAndAmortization
Share repurchases: PaymentsForRepurchaseOfCommonStock
Dividends paid: PaymentsOfDividendsCommonStock

The data

The statements on this page as files, generated November 1, 2026.

JSON file
/data/financials/SYF.json