Synchrony Financial
SYFFinance & insurancesynchronybank.com
Latest available resultsSeptember 30, 2026Quarter · 10-Q filed Oct 22, 2026
Next reportJanuary 25, 2027after close · forecast 1.993 $/share
Revenue
—
Net income
$892.00M
▼ -17.2% vs prior year YoY
EPS
2.68$
▼ -6.3% vs prior year YoY
Net margin
—
Revenue
N/ANot reported for the displayed periods
Margins (% of revenue)
N/ANot reported for the displayed periods
Net income▼ -17.2%
EPS▼ -6.3%
Financial statements
View 10-Q filed October 22, 2026 on SEC ↗| Metric | Dec 2024* | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025* | Mar 2026 | Jun 2026 | Sep 2026 | YoY |
|---|---|---|---|---|---|---|---|---|---|
| Operations | |||||||||
| Revenuenever filed | — | — | — | — | — | — | — | — | — |
| Gross profitnever filed | — | — | — | — | — | — | — | — | — |
| Operating incomenever filed | — | — | — | — | — | — | — | — | — |
| Net income | $774.00M | $757.00M | $967.00M | $1.08B | $751.00M | $805.00M | $885.00M | $892.00M | ▼ -17.2% |
| R&Dnever filed | — | — | — | — | — | — | — | — | — |
| EPS (diluted) | — | 1.89 $ | 2.50 $ | 2.86 $ | — | 2.27 $ | 2.59 $ | 2.68 $ | ▼ -6.3% |
| Margins (% of revenue) | |||||||||
| Gross | — | — | — | — | — | — | — | — | — |
| Operating | — | — | — | — | — | — | — | — | — |
| Net | — | — | — | — | — | — | — | — | — |
| Balance sheet | |||||||||
| Assets | $119.46B | $122.03B | $120.50B | $116.98B | $119.09B | $121.50B | $121.93B | $122.47B | ▲ +4.7% |
| Liabilities | $102.88B | $105.44B | $103.55B | $99.92B | $102.33B | $105.02B | $105.03B | $105.92B | ▲ +6.0% |
| Equity | $16.58B | $16.58B | $16.95B | $17.07B | $16.77B | $16.48B | $16.90B | $16.55B | ▼ -3.0% |
| Cash | $14.71B | $21.63B | $19.46B | $16.25B | $14.97B | $20.56B | $16.19B | $15.90B | ▼ -2.1% |
| Capital | |||||||||
| Shares outstanding | 388.75M | 380.65M | 372.06M | 360.17M | 347.60M | 336.95M | 325.37M | 311.40M | ▼ -13.5% |
| Public floatexcluding insiders | — | — | — | — | — | — | — | — | — |
* No 10-Q is filed for a fourth quarter: these amounts are the fiscal year minus the first three quarters, all filed. EPS stays blank — dilution doesn't subtract.