Synchrony Financial (SYF) Financial History
Review Synchrony Financial annual and quarterly financial results, key ratios, insider transactions and SEC filing history in one chronological view. Data available from FY2012 through FY2025.
Financials
14 fiscal years, FY2012 to FY2025
Insider trades
381 trades
Filings
Annual and quarterly reports
Compare
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Synchrony Financial Financial Statements
History since FY2012. Annual, in US dollars. Source: 10-K XBRL data.
Synchrony Financial Revenue and Growth
Compare reported revenue and year-over-year revenue growth across available fiscal years.
Synchrony Financial Income Statements
Review revenue, gross profit, operating income, net income and earnings per share.
Synchrony Financial Balance Sheets
Review reported debt and book-value-based ratios where company data is available.
Synchrony Financial Cash Flow Statements
Compare reported free cash flow across the available fiscal history.
Synchrony Financial Financial Ratios
Compare net margin, price-to-earnings and price-to-book ratios by fiscal year.
| Fiscal year | FY2012 🔒 | FY2013 🔒 | FY2014 🔒 | FY2015 🔒 | FY2016 🔒 | FY2017 🔒 | FY2018 🔒 | FY2019 🔒 | FY2020 🔒 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | $14.7B | $16.0B | $17.3B | $19.5B | $19.0B |
| Revenue growth | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | — | +8.7% | +8.0% | +13.0% | -2.8% |
| Gross profit | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | — | — | — | — | — |
| Operating income | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | — | — | — | — | — |
| Net income | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B |
| Debt | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | $14.5B | $14.2B | $16.0B | $15.5B | $15.2B |
| Free cash flow | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | N/A | N/A | N/A | N/A | N/A |
| Net margin | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | 28.7% | 18.8% | 12.9% | 17.9% | 18.7% |
| EPS (diluted) | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
| P/E ratio | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | 6.3× | 5.3× | 7.4× | 7.6× | 9.0× |
| P/B ratio | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | 1.8× | 1.1× | 1.1× | 1.5× | 1.7× |
Daily closing prices, aggregated by calendar year.
| Year | 2014 🔒 | 2015 🔒 | 2016 🔒 | 2017 🔒 | 2018 🔒 | 2019 🔒 | 2020 🔒 | 2021 🔒 | 2022 | 2023 | 2024 | 2025 | 2026 (YTD) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Open | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | $46.97 | $33.34 | $37.76 | $65.63 | $83.70 |
| Close | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | $32.85 | $38.19 | $65.02 | $83.42 | $74.06 |
| High | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | $50.19 | $38.59 | $69.36 | $86.47 | $88.69 |
| Low | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | $27.24 | $26.61 | $35.30 | $40.55 | $63.09 |
| Annual return | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | ••••• | -29.2% | +16.3% | +70.3% | +28.3% | -11.2% |
Synchrony Financial Insider Transactions
From Form 4 filings. Showing the latest 5 of 381 trades.
| Traded | Filed | Insider | Type | Shares | Value | % of holdings |
|---|---|---|---|---|---|---|
| 2026-09-30 | 2026-10-02 | Arthur Coviello Jr. Director | Grant or award | 846 | $60K | — |
| 2026-09-30 | 2026-10-02 | Paget Leonard Alves Director | Grant or award | 846 | $60K | — |
| 2026-09-30 | 2026-10-02 | Fernando Aguirre Director | Grant or award | 846 | $60K | — |
| 2026-09-30 | 2026-10-02 | Daniel Colao Director | Grant or award | 846 | $60K | — |
| 2026-09-30 | 2026-10-02 | Jeffrey Naylor Director | Grant or award | 1,287 | $91K | — |
Synchrony Financial Risk Factor Changes
Latest 10-K compared with the year before. 0 changes found.
Synchrony Financial SEC Filings
Latest annual and quarterly reports, current reports, proxy statements and ownership filings.
| Form | Filed | Description | Document |
|---|---|---|---|
| Quarterly report (10-Q) | 2026-10-22 | Quarter ended Sep 30, 2026 | View document |
| Current report (8-K) | 2026-10-20 | Company update | View document |
| Current report (8-K) | 2026-10-20 | Quarterly results | View document |
| Current report (8-K) | 2026-09-14 | Company update | View document |
| Current report (8-K) | 2026-08-17 | Quarterly results | View document |
Synchrony Financial financial metrics by year
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