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    Financial - Credit Services
Synchrony Financial

Synchrony Financial

SYF-PA
Synchrony FinancialUS flagNew York Stock Exchange
19.71
USD
+0.08
- -
6.64BMarket Cap
Synchrony Financial
SYF-PA
(New York Stock Exchange)

Recent

price

19.71

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Revenue per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
7,278
8,064
8,698
9,230
9,747
10,972
12,367
13,284
13,312
11,162
10,192
11,674
13,627
15,056
14,981
14,961
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
96
83
104
131
174
219
254
302
367
383
390
419
458
481
514
532
Depreciation Expense
1,890
2,119
1,979
2,109
2,214
2,251
1,935
2,790
3,747
1,385
4,221
3,016
2,238
3,499
3,552
3,600
Net Income, GAAP
37.21
37.23
37.01
37.71
37.3
36.95
41.79
23.44
23.33
22.93
23.3
23.88
22.93
23.15
23.13
23.14
Effective Tax Rate (%)
25.97
26.28
22.75
22.85
22.71
20.52
15.65
21
28.15
12.41
41.41
25.84
16.42
23.24
23.71
24.06
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
27,815
24,321
27,460
24,279
20,147
20,799
23,996
19,866
15,775
14,507
14,191
15,982
15,462
15,182
16,428
LT Debt
- -
4,582
5,960
10,478
12,604
14,196
14,234
14,678
15,088
12,701
13,655
12,873
13,903
16,580
16,766
16,477
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
390.56
101.23
52.2
31.88
35.32
35.51
11.81
33.61
19.21
12.41
17.01
15.01
14.83
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
14,431
15,182
16,428
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
1,222
1,222
1,222
Shares Outstanding
360
347
337
Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
18,961
17,321
23,599
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.31%
6.03%
1.12%
Free Cash Flow
5.76%
6.42%
0.03%
Net Income, GAAP
21.13%
41.65%
1.51%
Sales/Revenue/Turnover
4.93%
6.51%
-0.5%
Total Cash Common Dividend
- -
-3.64%
7.29%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,729
3,712
3,814
2,732
15,056
2025
3,718
3,647
3,823
3,793
14,981
2026
3,698
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Synchrony Financial, operating alongside its various entities, delivers consumer financial services throughout the American market. It delivers diverse credit solutions, encompassing credit cards, commercial financing, and personal installment loans. The enterprise extends its offerings to include proprietary label credit cards, co-branded and universal credit cards, flexible short- and long-duration installment plans, and general banking services. It further facilitates deposit accounts such as certificates of deposit, individual retirement savings, money market funds, and savings accounts for both consumer and business clients, including those accessed via external brokerage platforms. Moreover, Synchrony provides debt protection programs for its cardholders through digital and direct mail channels. Its specialized financing extends to healthcare payments and funding under prominent brands like CareCredit, Pets Best, and Walgreens, as well as point-of-sale consumer financing for audiology devices and dental procedures. Recent strategic advancements include new payment options through collaborations like Walmart's One Pay and an enhanced Amazon partnership, the acquisition of Versatile Credit to bolster its credit access platform, and new initiatives with Pumpkin Pet Insurance and The Toro Company. The company’s credit offerings are distributed through programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Deposit products are accessible via online and print media. Serving numerous sectors such as digital, health and wellness, retail, home, automotive, powersports, jewelry, and pet care, Synchrony continues to innovate. Founded in 1932, Synchrony Financial maintains its corporate headquarters in Stamford, Connecticut.