Synchrony Financial revenue and financials
$72.16Change from previous close: +0.39%Absolute change: +$0.28
In the fiscal year ended December 2025, Synchrony Financial reported revenue of $9.76B (+3.88% year over year). Net income was $3.55B, a net margin of 36.4%.
Fiscal year ending in December. Sources and method on the page Methodology and sources.
At a glance
- Revenue growth
- +3.88%
- 2025 vs 2024
- Net income growth
- +1.51%
- 2025 vs 2024
- Net margin
- 36.4%
- 2024: 37.3%
Financial data
Amounts in millions of USD; per-share values in USD; shares in millions.
| Item | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 2,420 | 2,183 | 2,454 | 2,637 | 2,560 | 2,200 | 2,353 | 2,763 | 2,484 | 2,248 | 2,317 | 2,482 |
| Depreciation and amortization | 145 | 143 | 139 | 128 | 122 | — | — | — | — | — | — | — |
| Investing cash flow | -5,187 | 1,524 | -4,642 | -1,574 | -2,241 | 3,603 | -4,963 | -2,231 | -2,507 | 798 | -7,169 | -2,568 |
| Financing cash flow | -596 | 1,879 | 918 | -4,955 | -2,817 | 2,119 | -617 | -1,231 | -1,367 | 2,604 | 3,473 | 3,031 |
| Dividends paid | -121 | -125 | -127 | -130 | -135 | -118 | -118 | -120 | -119 | -113 | -114 | -114 |
| Share repurchases | -878 | -900 | -962 | -870 | -504 | — | — | — | — | — | — | — |
| Debt issued | 0.0 | 1,243 | 747 | 994 | 746 | 1,543 | — | 1,492 | 200 | 747 | 747 | 1,297 |
| Debt repaid | 0.0 | 0.0 | 0.0 | -2,575 | -1,750 | — | -175 | -1,500 | -700 | -600 | — | -300 |
| Net change in cash | -3,363 | 5,586 | -1,270 | -3,892 | -2,498 | 7,922 | -3,227 | -699 | -1,390 | 5,650 | -1,379 | 2,945 |
| Free cash flow | 2,420 | 2,183 | 2,454 | 2,637 | 2,560 | — | — | — | — | — | — | — |