Sales down 2.8%
The latest figures
All key numbers (34) From EDGAR
| EPS (ttm) | 9.58 | Sales (ttm) | 19.3B | Net income (ttm) | 3.3B | Sales growth | -2.8% | EPS growth | +8.5% | Sales Q/Q | +1.4% |
| Free cash flow | - | Gross margin | - | Oper. margin | - | Net margin | 17.3% | FCF margin | - | ROE | 20.1% |
| ROA | 2.7% | R&D / sales | - | Dividend | 1.15 | Debt/Eq | 1.03 | Curr. ratio | - | Cash | 15.9B |
| Op. cash flow (ttm) | 9.6B | Net debt | 1.1B | Payout ratio | 12.4% | Tax rate | 23.1% | Shares out. | 311.4M | Shares Y/Y | -6.7% |
| Book / share | 53.15 | Cash / share | 51.06 | Sales / share | 62.02 | Asset turnover | 0.16 | Sales 3Y CAGR | +5.9% | Sales 5Y CAGR | +5.1% |
| EPS 3Y CAGR | +14.7% | EPS 5Y CAGR | +32.5% | Employees | 20,000 | Sales / employee | 966K |
Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.
Changes in the numbers
FY2025 against FY2024-
Revenue growth slowed to -2.8%+13.0% → -2.8% · Revenue FY2025 / revenue FY2024 − 1, against the same a year earlier · 10-K ↗
SYF against Financials peers
Ten years, side by side → · All 76 →Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How
Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.
| Company | Revenue (ttm) | Sales growth | Gross margin | Net margin | ROE | FCF margin | Debt / equity |
|---|---|---|---|---|---|---|---|
| SYF Synchrony Financial | $19.3B | -2.8% | - | 17.3% | 20.1% | - | 1.03 |
| KKR KKR & Co. | $20.3B | -11.0% | - | 16.8% | 11.3% | - | - |
| AMP Ameriprise Financial | $20.1B | +5.5% | - | 20.7% | 81.4% | 36.4% | - |
| TFC Truist Financial | $19.4B | +53.0% | - | 25.1% | 7.9% | - | 1.07 |
| L Loews Corporation | $18.8B | +5.4% | - | 7.9% | 8.1% | 9.0% | 0.49 |
| ACGL Arch Capital Group | $18.8B | +14.3% | - | 23.3% | 19.0% | 30.0% | - |
Profitability
2 of 3- !Net margin below the peer median17.3% vs 20.4%
- ✓Return on equity above 15%20.1%
- ✓A profit in every one of 10 years
Cash and shareholders
2 of 2- ✓Share count down over 5 years−36.7%
- ✓Dividend per share up over 5 years$0.88 → $1.15
Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.
$15.2B of principal due, schedule of Dec 31, 2025
From the balance sheet in the latest 10-K or 10-Q (XBRL). When each part falls due, year by year, and the debt note's own lines are on the Debt tab.
Revenue and net income, FY2016 to FY2025
Revenue 19.0B Net income 3.6BFrom XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →
Income statement, balance sheet and cash flow
SYF's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.
Income statement
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 13.9B | 15.3B | 16.4B | 17.2B | 14.8B | 14.7B | 16.0B | 17.3B | 19.5B | 19.0B |
| Interest expense | 1.2B | 1.4B | 1.9B | 2.3B | 1.7B | 1.0B | 1.5B | 3.7B | 4.7B | 4.2B |
| Pretax income | 3.6B | 3.3B | 3.6B | 4.9B | 1.8B | 5.5B | 4.0B | 2.9B | 4.6B | 4.6B |
| Income tax | 1.3B | 1.4B | 854.0M | 1.1B | 412.0M | 1.3B | 946.0M | 666.0M | 1.1B | 1.1B |
| Net income | 2.3B | 1.9B | 2.8B | 3.7B | 1.4B | 4.2B | 3.0B | 2.2B | 3.5B | 3.6B |
| EPS (diluted) | 2.71 | 2.42 | 3.74 | 5.56 | 2.27 | 7.34 | 6.15 | 5.19 | 8.55 | 9.28 |
| Diluted shares | 831.5M | 799.7M | 746.9M | 673.5M | 590.8M | 569.3M | 483.4M | 423.5M | 400.6M | 373.9M |
| Depreciation & amortization | 219.0M | 254.0M | 302.0M | 367.0M | 383.0M | 390.0M | 419.0M | 458.0M | 481.0M | 514.0M |
| Net margin | 16.2% | 12.6% | 17.0% | 21.8% | 9.4% | 28.7% | 18.8% | 12.9% | 17.9% | 18.7% |
| Revenue growth | - | +10.3% | +7.1% | +4.8% | -13.8% | -0.6% | +8.7% | +8.0% | +13.0% | -2.8% |
| EPS growth | - | -10.7% | +54.5% | +48.7% | -59.2% | +223% | -16.2% | -15.6% | +64.7% | +8.5% |
Balance sheet
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash | 9.3B | 11.6B | 9.4B | 12.1B | 11.5B | 8.3B | 10.3B | 14.3B | 14.7B | 15.0B |
| Property & equipment | - | - | - | - | - | - | - | - | - | 1.2B |
| Goodwill | 949.0M | 991.0M | 1.0B | 1.1B | 1.1B | 1.1B | 1.1B | 1.0B | 1.3B | 1.4B |
| Total assets | 90.2B | 95.8B | 106.8B | 104.8B | 95.9B | 95.7B | 104.6B | 117.5B | 119.5B | 119.1B |
| Total debt | 20.1B | 20.8B | 24.0B | 19.9B | 15.8B | 14.5B | 14.2B | 16.0B | 15.5B | 15.2B |
| Total liabilities | 76.0B | 81.6B | 92.1B | 89.7B | 83.2B | 82.1B | 91.7B | 103.6B | 102.9B | 102.3B |
| Shareholders' equity | 14.2B | 14.2B | 14.7B | 15.1B | 12.7B | 13.7B | 12.9B | 13.9B | 16.6B | 16.8B |
| Retained earnings | 5.3B | 6.8B | 9.0B | 12.1B | 10.6B | 14.2B | 16.7B | 18.7B | 21.6B | 24.6B |
Cash flow
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 6.5B | 8.6B | 9.3B | 9.0B | 7.5B | 7.1B | 6.7B | 8.6B | 9.8B | 9.9B |
| Dividends paid | 214.0M | 446.0M | 534.0M | 581.0M | 520.0M | 500.0M | 434.0M | 406.0M | 398.0M | 427.0M |
| Buybacks | 476.0M | 1.5B | 1.9B | 3.6B | 985.0M | 2.9B | 3.3B | 1.1B | 1.0B | 2.9B |
| Acquisitions | - | - | - | - | - | - | 0 | 0 | 1.9B | 161.0M |
| Investing cash flow | -13.4B | -9.5B | -19.0B | -261.0M | -498.0M | -4.8B | -10.2B | -14.2B | -8.9B | -4.9B |
| Financing cash flow | 3.8B | 3.1B | 8.3B | -6.5B | -8.0B | -5.2B | 5.3B | 9.6B | -611.0M | -4.7B |
| Dividend per share | 0.26 | 0.56 | 0.72 | 0.86 | 0.88 | 0.88 | 0.90 | 0.96 | 1.00 | 1.15 |
From SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.