FN2 Earnings Intelligence
Synchrony Financial financials
Synchrony Financial (SYF-PA) financial statements and key operating metrics from FN2 Research.
Key Stats
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Market Cap | - | - | - | - | - |
| - Cash | $8,337 | $10,294 | $14,259 | $14,711 | $14,973 |
| + Debt | - | - | - | - | - |
| Enterprise Value | - | - | - | - | - |
| Revenue | $481 | $380 | $289 | $1,521 | $520 |
| % Growth | 18.8% | -21.0% | -23.9% | 426.3% | -65.8% |
| Gross Profit | -$3,482 | -$3,957 | -$4,469 | -$3,318 | -$4,615 |
| % Margin | -723.9% | -1,041.3% | -1,546.4% | -218.1% | -887.5% |
| EBITDA | - | - | - | - | - |
| % Margin | - | - | - | - | - |
| Net Income | $4,221 | $3,016 | $2,238 | $3,499 | $3,552 |
| % Margin | 877.5% | 793.7% | 774.4% | 230.0% | 683.1% |
| Diluted EPS | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
| % Growth | 223.3% | -16.2% | -15.6% | 64.7% | 8.5% |
| Operating Cash Flow | $7,099 | $6,694 | $8,593 | $9,848 | $9,851 |
| CapEx | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - |
Historical market capitalization is not persisted, so Market Cap and Enterprise Value remain unavailable rather than mixing today's market value into prior periods.
Income Statement
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Revenue | $481 | $380 | $289 | $1,521 | $520 |
| Gross Profit | -$3,482 | -$3,957 | -$4,469 | -$3,318 | -$4,615 |
| EBITDA | - | - | - | - | - |
| Net Income | $4,221 | $3,016 | $2,238 | $3,499 | $3,552 |
| Diluted EPS | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
Balance Sheet
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $8,337 | $10,294 | $14,259 | $14,711 | $14,973 |
| Short-term Debt | - | - | - | - | - |
| Long-term Debt | $14,507 | $14,191 | $15,982 | $15,462 | $15,182 |
| Total Debt | - | - | - | - | - |
Cash Flow
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $7,099 | $6,694 | $8,593 | $9,848 | $9,851 |
| Capital Expenditure | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - |
Ratios
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Revenue Growth | 18.8% | -21.0% | -23.9% | 426.3% | -65.8% |
| Gross Margin | -723.9% | -1,041.3% | -1,546.4% | -218.1% | -887.5% |
| EBITDA Margin | - | - | - | - | - |
| Net Margin | 877.5% | 793.7% | 774.4% | 230.0% | 683.1% |
| FCF Margin | - | - | - | - | - |
| Diluted EPS Growth | 223.3% | -16.2% | -15.6% | 64.7% | 8.5% |
Get the SYF-PA recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.