SYF Income Statement - Synchrony Financial

Complete source-backed income-statement history.

Available history: 2012-12-31 to 2026-06-30
Data captured: 2026-09-04

Historical Income Statement

Date	Revenue	Cost of revenue	Gross profit	R&D expense	SG&A expense	Operating expenses	Operating income	Nonoperating income/expense	Pre-tax income	Income tax	Net income	Basic EPS	Diluted EPS	Basic shares	Diluted shares
2026-06-30	—	—	—	—	—	—	—	—	$1.19B	$301M	$885M	$2.61	$2.59	331,300,000	334,100,000
2026-03-31	—	—	—	—	—	—	—	—	$1.05B	$242M	$805M	$2.29	$2.27	342,400,000	346,000,000
2025-12-31	—	—	—	—	—	—	—	—	$952M	$201M	$751M	$2.09	$2.06	-5,800,000	-5,500,000
2025-09-30	—	—	—	—	—	—	—	—	$1.43B	$352M	$1.08B	$2.89	$2.86	365,900,000	369,900,000
2025-06-30	—	—	—	—	—	—	—	—	$1.26B	$289M	$967M	$2.51	$2.50	376,200,000	379,100,000
2025-03-31	—	—	—	—	—	—	—	—	$984M	$227M	$757M	$1.91	$1.89	385,200,000	389,400,000
2024-12-31	—	—	—	—	—	—	—	—	$973M	$199M	$774M	$1.93	$1.90	-2,200,000	-1,800,000
2024-09-30	—	—	—	—	—	—	—	—	$1.03B	$239M	$789M	$1.96	$1.94	392,300,000	396,500,000
2024-06-30	—	—	—	—	—	—	—	—	$844M	$201M	$643M	$1.56	$1.55	399,300,000	402,600,000
2024-03-31	—	—	—	—	—	—	—	—	$1.71B	$415M	$1.29B	$3.17	$3.14	404,700,000	408,200,000
2023-12-31	—	—	—	—	—	—	—	—	$539M	$99M	$440M	$1.05	$1.05	-3,100,000	-3,000,000
2023-09-30	—	—	—	—	—	—	—	—	$833M	$205M	$628M	$1.49	$1.48	416,000,000	418,400,000
2023-06-30	—	—	—	—	—	—	—	—	$742M	$173M	$569M	$1.32	$1.32	422,700,000	424,200,000
2023-03-31	—	—	—	—	—	—	—	—	$790M	$189M	$601M	$1.36	$1.35	434,400,000	437,200,000
2022-12-31	—	—	—	—	—	—	—	—	$741M	$164M	$577M	$1.30	$1.29	-11,700,000	-11,600,000
2022-09-30	—	—	—	—	—	—	—	—	$922M	$219M	$703M	$1.48	$1.47	468,500,000	470,700,000
2022-06-30	—	—	—	—	—	—	—	—	$1.07B	$262M	$804M	$1.61	$1.60	493,000,000	495,300,000
2022-03-31	—	—	—	—	—	—	—	—	$1.23B	$301M	$932M	$1.79	$1.77	515,300,000	519,500,000
2021-12-31	—	—	—	—	—	—	—	—	$1.05B	$234M	$813M	$1.51	$1.50	-9,000,000	-8,900,000
2021-09-30	—	—	—	—	—	—	—	—	$1.5B	$359M	$1.14B	$2.02	$2.00	560,600,000	565,600,000
2021-06-30	—	—	—	—	—	—	—	—	$1.64B	$399M	$1.24B	$2.13	$2.12	577,200,000	581,700,000
2021-03-31	—	—	—	—	—	—	—	—	$1.32B	$290M	$1.03B	$1.74	$1.73	583,300,000	587,500,000
2020-12-31	—	—	—	—	—	—	—	—	$944M	$206M	$738M	$1.24	$1.23	-1,800,000	-1,400,000
2020-09-30	—	—	—	—	—	—	—	—	$412M	$99M	$313M	$0.52	$0.52	583,800,000	584,800,000
2020-06-30	—	—	—	—	—	—	—	—	$59M	$11M	$48M	$0.06	$0.06	583,700,000	584,400,000
2020-03-31	—	—	—	—	—	—	—	—	$382M	$96M	$286M	$0.45	$0.45	604,900,000	607,400,000
2019-12-31	—	—	—	—	—	—	—	—	$921M	$190M	$731M	$1.17	$1.16	-12,300,000	-12,100,000
2019-09-30	—	—	—	—	—	—	—	—	$1.38B	$319M	$1.06B	$1.60	$1.60	658,300,000	661,700,000
2019-06-30	—	—	—	—	—	—	—	—	$1.13B	$276M	$853M	$1.25	$1.24	683,600,000	686,500,000
2019-03-31	—	—	—	—	—	—	—	—	$1.46B	$355M	$1.11B	$1.57	$1.56	706,300,000	708,900,000
2018-12-31	—	—	—	—	—	—	—	—	$1.01B	$229M	$783M	$1.08	$1.08	-7,900,000	-8,800,000
2018-09-30	—	—	—	—	—	—	—	—	$893M	$222M	$671M	$0.91	$0.91	734,900,000	738,800,000
2018-06-30	—	—	—	—	—	—	—	—	$892M	$196M	$696M	$0.93	$0.92	752,200,000	758,300,000
2018-03-31	—	—	—	—	—	—	—	—	$847M	$207M	$640M	$0.84	$0.83	763,700,000	770,300,000
2017-12-31	—	—	—	—	—	—	—	—	$875M	$490M	$385M	$0.50	$0.49	-5,700,000	-5,300,000
2017-09-30	—	—	—	—	—	—	—	—	$879M	$324M	$555M	$0.70	$0.70	787,300,000	790,900,000
2017-06-30	—	—	—	—	—	—	—	—	$788M	$292M	$496M	$0.62	$0.61	804,000,000	807,400,000
2017-03-31	—	—	—	—	—	—	—	—	$782M	$283M	$499M	$0.61	$0.61	813,100,000	817,100,000
2016-12-31	—	—	—	—	—	—	—	—	$908M	$332M	$576M	$0.70	$0.70	-2,900,000	-2,600,000
2016-09-30	—	—	—	—	—	—	—	—	$963M	$359M	$604M	$0.73	$0.73	828,400,000	830,600,000
2016-06-30	—	—	—	—	—	—	—	—	$771M	$282M	$489M	$0.59	$0.58	833,900,000	836,200,000
2016-03-31	—	—	—	—	—	—	—	—	$928M	$346M	$582M	$0.70	$0.70	833,800,000	835,500,000
2015-12-31	—	—	—	—	—	—	—	—	$868M	$321M	$547M	$0.66	$0.65	-200,000	500,000
2015-09-30	—	—	—	—	—	—	—	—	$919M	$345M	$574M	$0.69	$0.69	834,000,000	836,000,000
2015-06-30	—	—	—	—	—	—	—	—	$861M	$320M	$541M	$0.65	$0.65	834,000,000	835,000,000
2015-03-31	—	—	—	—	—	—	—	—	$883M	$331M	$552M	$0.66	$0.66	834,000,000	835,000,000
2014-12-31	—	—	—	—	—	—	—	—	$853M	$322M	$531M	$0.62	$0.62	26,400,000	26,600,000
2014-09-30	—	—	—	—	—	—	—	—	$879M	$331M	$548M	$0.70	$0.70	782,000,000	782,000,000
2014-06-30	—	—	—	—	—	—	—	—	$764M	$292M	$472M	$0.67	$0.67	705,000,000	705,000,000
2014-03-31	—	—	—	—	—	—	—	—	$890M	$332M	$558M	$0.79	$0.79	705,000,000	705,000,000
2013-12-31	—	—	—	—	—	—	—	—	$692M	$249M	$443M	$0.63	$0.63	300,000	300,000
2013-09-30	—	—	—	—	—	—	—	—	$1.02B	$380M	$641M	$0.91	$0.91	705,000,000	705,000,000
2013-06-30	—	—	—	—	—	—	—	—	$856M	$320M	$536M	$0.76	$0.76	705,271,000	705,271,000

Annual Income Statement

Date	Revenue	Cost of revenue	Gross profit	R&D expense	SG&A expense	Operating expenses	Operating income	Nonoperating income/expense	Pre-tax income	Income tax	Net income	Basic EPS	Diluted EPS	Basic shares	Diluted shares
2025-12-31	—	—	—	—	—	—	—	—	$4.62B	$1.07B	$3.55B	$9.38	$9.28	369,900,000	373,900,000
2024-12-31	—	—	—	—	—	—	—	—	$4.55B	$1.05B	$3.5B	$8.64	$8.55	396,500,000	400,600,000
2023-12-31	—	—	—	—	—	—	—	—	$2.9B	$666M	$2.24B	$5.21	$5.19	421,200,000	423,500,000
2022-12-31	—	—	—	—	—	—	—	—	$3.96B	$946M	$3.02B	$6.19	$6.15	480,400,000	483,400,000
2021-12-31	—	—	—	—	—	—	—	—	$5.5B	$1.28B	$4.22B	$7.40	$7.34	564,600,000	569,300,000
2020-12-31	—	—	—	—	—	—	—	—	$1.8B	$412M	$1.39B	$2.28	$2.27	589,000,000	590,800,000
2019-12-31	—	—	—	—	—	—	—	—	$4.89B	$1.14B	$3.75B	$5.59	$5.56	670,200,000	673,500,000
2018-12-31	—	—	—	—	—	—	—	—	$3.64B	$854M	$2.79B	$3.76	$3.74	742,300,000	746,900,000
2017-12-31	—	—	—	—	—	—	—	—	$3.32B	$1.39B	$1.94B	$2.43	$2.42	795,600,000	799,700,000
2016-12-31	—	—	—	—	—	—	—	—	$3.57B	$1.32B	$2.25B	$2.71	$2.71	829,200,000	831,500,000
2015-12-31	—	—	—	—	—	—	—	—	$3.53B	$1.32B	$2.21B	$2.66	$2.65	833,800,000	835,500,000
2014-12-31	—	—	—	—	—	—	—	—	$3.39B	$1.28B	$2.11B	$2.78	$2.78	757,400,000	757,600,000
2013-12-31	—	—	—	—	—	—	—	—	$3.14B	$1.16B	$1.98B	$2.81	$2.81	705,300,000	705,300,000
2012-12-31	—	—	—	—	—	—	—	—	$3.38B	$1.26B	$2.12B	$3.00	$3.00	705,300,000	705,300,000