Synchrony Financial (SYF)

Industry Credit Services

This stock can be held in an Investment ISA and an Investment Account

Sell

$74.56

Buy

$75.99

arrow-up$0.68 (+0.91%)

Prices updated at 16 Jun 2026, 23:52 EDT

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Prices in USD

Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms ...

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Income statement

Year chevron-l-regular chevron-r-regular	2024	2025
	15,056m	14,981m
	-	-
	-	-
	-	-
	3,499m	3,552m
	-	-
Sales, General and administrative	2,396m	2,604m
Interest expenses	4,634m	4,135m
Provision for income taxes	1,054m	1,069m
Operating expenses	-	-
Income before taxes	4,553m	4,621m
Net income available to common shareholders	3,427m	3,469m
	8.64	9.38
Net interest income	18,011m	18,466m
Advertising and promotion	-	-
Net investment income, net	-	-
Realised capital gains (losses), net	-	-
Total benefits, claims and expenses	-	-
Earnings per share (diluted)	8.55	9.28
Free cash flow per share	24.2018	25.4337
Book value/share	38.0105	45.6045
Debt equity ratio	1.006772	0.976711

Balance sheet

Year chevron-l-regular chevron-r-regular	2024	2025
Current assets	-	-
Current liabilities	-	-
Total capital	32,042m	31,948m
Total debt	15,462m	15,182m
Total equity	16,580m	16,766m
Total non current liabilities	-	-
Loans	15,462m	15,182m
Total assets	119,463m	119,095m
Total liabilities	-	-
Cash and cash equivalents	14,711m	14,973m
Common stock	388m	347m

Cash flow

Year chevron-l-regular chevron-r-regular	2024	2025
Cash at beginning of period	14,421m	14,755m
Cash dividends paid	-470m	-510m
	9,848m	9,851m
Investments (gains) losses	-8,903m	-4,854m
	14,755m	15,017m
Net income	-	-
	9,848m	9,851m
	-	-

The figures shown in the tables are quoted in the currency of the stock selected.

Please note that past performance is not a reliable indicator of future returns. Please use the interactive graph for benchmark comparison.

Important Information

Investment values, and income from investments, can go down as well as up, so you may get back less than you invest. This is not a personal recommendation for a specific investment. If you're not sure which investments are suitable for you, consult Fidelity's advisers or another authorised financial adviser. The information contained herein: is proprietary to Morningstar and/or its content providers; may not be copied or distributed; and is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.