SYFSynchrony Financial
- Employees
- 20,000
- Headquarters
- Stamford, CT
- Next results
- around Jan 26, 2027
Numbers that matter for banks, which general screens compare wrongly. Some come from the 10-K's XBRL. The rest are quoted from the company's own filings, because there is no standard tag for them: the sentence is the source.
Net interest margin
15.5% earnings release filed 2026-10-20What the bank earns on loans and securities minus what it pays on deposits, as % of earning assets.
“Net interest margin decreased 12 basis points to 15.50%”
Read it in the filing ↗
Efficiency ratio
27.0% fiscal year to Dec 31, 2025Non-interest expense as % of revenue. Lower is leaner.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 26.9% | 27.1% | 27.5% | 24.8% | 27.0% |
XBRL: NoninterestExpense, 0001601712-26-000006; InterestIncomeExpenseNet, 0001601712-26-000006; NoninterestIncome, 0001601712-26-000006
Return on tangible common equity
25.0% fiscal year to Dec 31, 2025Net income over common equity without goodwill and intangibles (net income is before preferred dividends, so this runs a little high for banks with preferred stock).
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 35.7% | 27.3% | 18.4% | 24.8% | 25.0% |
XBRL: NetIncomeLoss, 0001601712-26-000006; StockholdersEquity, 0001601712-26-000043; PreferredStockValue, 0001601712-26-000043; Goodwill, 0001601712-26-000043
Net interest income
$18.5B fiscal year to Dec 31, 2025Interest earned minus interest paid.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| $14.2B | $15.6B | $17.0B | $18.0B | $18.5B |
XBRL: InterestIncomeExpenseNet, 0001601712-26-000006
Work on SYF in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/SYF/export.csv") into a cell.