SYF Income Statement
Synchrony Financial - Revenue, Expenses & Profit Analysis
Stock Price
$69.11
Market Cap
$26.65B
P/E Ratio
8.0
EPS (TTM)
$9.28
Most Recent Quarter
Period: 2025-12-31(2025-12-31)
Revenue
Total sales from operations
$19.12B
-7.9% YoY
Cost of Revenue
Direct costs of sales
$9.36B
Gross Profit
Revenue - Cost of Revenue
$9.76B
Margin: 100.0%
Operating Income
Gross Profit - Operating Expenses
$4.62B
Margin: 0.5%
Interest Expense
Cost of debt
$4.13B
Net Income
Bottom line profit
$3.55B
Margin: 0.4%
Profitability Metrics
Gross Margin
100.0%
Operating Margin
0.5%
Net Margin
0.4%
Return on Equity
0.2%
Historical Income Statements
| Period | Revenue | Gross Profit | Operating Income | Net Income | EPS |
|---|---|---|---|---|---|
| 2025-12-31 | $19.12B | $9.76B | $4.62B | $3.55B | $- |
| 2024-12-31 | $20.76B | $9.39B | $4.55B | $3.50B | $- |
| 2023-12-31 | $17.34B | $7.66B | $2.90B | $2.24B | $- |
| 2022-12-31 | $13.20B | $8.30B | $3.96B | $3.02B | $- |
| 2021-12-31 | $11.22B | $9.47B | $5.50B | $4.22B | $- |
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Open Full AnalysisFrequently Asked Questions
What is SYF's revenue?
SYF's most recent quarterly revenue was $19.12B, representing a decline of 7.9% year-over-year.
Is SYF profitable?
SYF reported a profit of $3.55B in the most recent quarter. The net profit margin is 0.4%.
What is SYF's operating income?
SYF's operating income was $4.62B in the most recent quarter. The operating margin is 0.5%.
What is SYF's earnings per share (EPS)?
EPS data is available in the income statement.
What is SYF's gross profit margin?
SYF has a gross profit margin of 100.0%, indicating the profitability of core operations before operating expenses.