Synchrony Financial — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that Synchrony Financial filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $3.55B | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | $3.50B | Feb 6, 2026 |
| FY2025 | Dec 31, 2023 | $2.24B | Feb 6, 2026 |
| FY2024 | Dec 31, 2022 | $3.02B | Feb 7, 2025 |
| FY2023 | Dec 31, 2021 | $4.22B | Feb 8, 2024 |
| FY2022 | Dec 31, 2020 | $1.39B | Feb 9, 2023 |
| FY2019 | Dec 31, 2019 | $731.00M | Feb 13, 2020 |
| FY2019 | Sep 30, 2019 | $1.06B | Feb 13, 2020 |
| FY2019 | Jun 30, 2019 | $853.00M | Feb 13, 2020 |
| FY2019 | Mar 31, 2019 | $1.11B | Feb 13, 2020 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $9.85B | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | $9.85B | Feb 6, 2026 |
| FY2025 | Dec 31, 2023 | $8.59B | Feb 6, 2026 |
| FY2024 | Dec 31, 2022 | $6.69B | Feb 7, 2025 |
| FY2023 | Dec 31, 2021 | $7.10B | Feb 8, 2024 |
| FY2022 | Dec 31, 2020 | $7.49B | Feb 9, 2023 |
| FY2021 | Dec 31, 2019 | $8.99B | Feb 10, 2022 |
| FY2020 | Dec 31, 2018 | $9.34B | Feb 11, 2021 |
| FY2019 | Dec 31, 2017 | $8.58B | Feb 13, 2020 |
| FY2018 | Dec 31, 2016 | $6.51B | Feb 15, 2019 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $119.10B | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | $119.46B | Feb 6, 2026 |
| FY2024 | Dec 31, 2023 | $117.48B | Feb 7, 2025 |
| FY2023 | Dec 31, 2022 | $104.56B | Feb 8, 2024 |
| FY2022 | Dec 31, 2021 | $95.75B | Feb 9, 2023 |
| FY2021 | Dec 31, 2020 | $95.95B | Feb 10, 2022 |
| FY2020 | Dec 31, 2019 | $104.83B | Feb 11, 2021 |
| FY2019 | Dec 31, 2018 | $106.79B | Feb 13, 2020 |
| FY2018 | Dec 31, 2017 | $95.81B | Feb 15, 2019 |
| FY2017 | Dec 31, 2016 | $90.21B | Feb 22, 2018 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $102.33B | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | $102.88B | Feb 6, 2026 |
| FY2024 | Dec 31, 2023 | $103.58B | Feb 7, 2025 |
| FY2023 | Dec 31, 2022 | $91.69B | Feb 8, 2024 |
| FY2022 | Dec 31, 2021 | $82.09B | Feb 9, 2023 |
| FY2021 | Dec 31, 2020 | $83.25B | Feb 10, 2022 |
| FY2020 | Dec 31, 2019 | $89.74B | Feb 11, 2021 |
| FY2019 | Dec 31, 2018 | $92.11B | Feb 13, 2020 |
| FY2018 | Dec 31, 2017 | $81.57B | Feb 15, 2019 |
| FY2017 | Dec 31, 2016 | $76.01B | Feb 22, 2018 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $16.77B | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | $16.58B | Feb 6, 2026 |
| FY2025 | Dec 31, 2023 | $13.90B | Feb 6, 2026 |
| FY2025 | Dec 31, 2022 | $12.87B | Feb 6, 2026 |
| FY2024 | Dec 31, 2021 | $13.66B | Feb 7, 2025 |
| FY2023 | Dec 31, 2020 | $12.70B | Feb 8, 2024 |
| FY2022 | Dec 31, 2019 | $15.09B | Feb 9, 2023 |
| FY2021 | Dec 31, 2018 | $14.68B | Feb 10, 2022 |
| FY2020 | Dec 31, 2017 | $14.23B | Feb 11, 2021 |
| FY2019 | Dec 31, 2016 | $14.20B | Feb 13, 2020 |
Goodwill
An intangible asset representing the premium paid above fair value when acquiring another company. A large goodwill balance signals a history of acquisitions at premium prices.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.36B | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | $1.27B | Feb 6, 2026 |
| FY2025 | Dec 31, 2023 | $1.02B | Feb 6, 2026 |
| FY2024 | Dec 31, 2022 | $1.11B | Feb 7, 2025 |
| FY2023 | Dec 31, 2021 | $1.11B | Feb 8, 2024 |
| FY2022 | Dec 31, 2020 | $1.08B | Feb 9, 2023 |
| FY2021 | Dec 31, 2019 | $1.08B | Feb 10, 2022 |
| FY2020 | Dec 31, 2018 | $1.02B | Feb 11, 2021 |
| FY2019 | Dec 31, 2017 | $991.00M | Feb 13, 2020 |
| FY2018 | Dec 31, 2016 | $949.00M | Feb 15, 2019 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $24.60B | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | $21.64B | Feb 6, 2026 |
| FY2024 | Dec 31, 2023 | $18.66B | Feb 7, 2025 |
| FY2023 | Dec 31, 2022 | $16.72B | Feb 8, 2024 |
| FY2022 | Dec 31, 2021 | $14.25B | Feb 9, 2023 |
| FY2021 | Dec 31, 2020 | $10.62B | Feb 10, 2022 |
| FY2020 | Dec 31, 2019 | $12.12B | Feb 11, 2021 |
| FY2019 | Dec 31, 2018 | $8.99B | Feb 13, 2020 |
| FY2018 | Dec 31, 2017 | $6.81B | Feb 15, 2019 |
| FY2017 | Dec 31, 2016 | $5.33B | Feb 22, 2018 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $14.97B | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | $14.71B | Feb 6, 2026 |
| FY2025 | Dec 31, 2023 | $14.26B | Feb 6, 2026 |
| FY2024 | Dec 31, 2022 | $10.29B | Feb 7, 2025 |
| FY2023 | Dec 31, 2021 | $8.34B | Feb 8, 2024 |
| FY2022 | Dec 31, 2020 | $11.52B | Feb 9, 2023 |
| FY2021 | Dec 31, 2019 | $12.15B | Feb 10, 2022 |
| FY2020 | Dec 31, 2018 | $9.40B | Feb 11, 2021 |
| FY2019 | Dec 31, 2017 | $11.60B | Feb 13, 2020 |
| FY2018 | Dec 31, 2016 | $9.32B | Feb 15, 2019 |
Long-Term Debt
Debt obligations due more than one year from the balance sheet date — bonds, term loans, and notes payable. High long-term debt relative to equity can signal elevated financial leverage.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $15.18B | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | $15.46B | Feb 6, 2026 |
| FY2024 | Dec 31, 2023 | $15.98B | Feb 7, 2025 |
| FY2023 | Dec 31, 2022 | $14.19B | Feb 8, 2024 |
| FY2022 | Dec 31, 2021 | $14.51B | Feb 9, 2023 |
| FY2021 | Dec 31, 2020 | $15.78B | Feb 10, 2022 |
| FY2020 | Dec 31, 2019 | $19.87B | Feb 11, 2021 |
| FY2019 | Dec 31, 2018 | $24.00B | Feb 13, 2020 |
| FY2018 | Dec 31, 2017 | $20.80B | Feb 15, 2019 |
| FY2017 | Dec 31, 2016 | $20.15B | Feb 22, 2018 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 9 | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | 8 | Feb 6, 2026 |
| FY2025 | Dec 31, 2023 | 5 | Feb 6, 2026 |
| FY2024 | Dec 31, 2022 | 6 | Feb 7, 2025 |
| FY2023 | Dec 31, 2021 | 7 | Feb 8, 2024 |
| FY2022 | Dec 31, 2020 | 2 | Feb 9, 2023 |
| FY2019 | Dec 31, 2019 | 1 | Feb 13, 2020 |
| FY2019 | Sep 30, 2019 | 1 | Feb 13, 2020 |
| FY2019 | Jun 30, 2019 | 1 | Feb 13, 2020 |
| FY2019 | Mar 31, 2019 | 1 | Feb 13, 2020 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 9 | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | 8 | Feb 6, 2026 |
| FY2025 | Dec 31, 2023 | 5 | Feb 6, 2026 |
| FY2024 | Dec 31, 2022 | 6 | Feb 7, 2025 |
| FY2023 | Dec 31, 2021 | 7 | Feb 8, 2024 |
| FY2022 | Dec 31, 2020 | 2 | Feb 9, 2023 |
| FY2019 | Dec 31, 2019 | 1 | Feb 13, 2020 |
| FY2019 | Sep 30, 2019 | 1 | Feb 13, 2020 |
| FY2019 | Jun 30, 2019 | 1 | Feb 13, 2020 |
| FY2019 | Mar 31, 2019 | 1 | Feb 13, 2020 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 347.00M | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | 388.00M | Feb 6, 2026 |
| FY2024 | Dec 31, 2023 | 406.88M | Feb 7, 2025 |
| FY2023 | Dec 31, 2022 | 438.22M | Feb 8, 2024 |
| FY2022 | Dec 31, 2021 | 526.83M | Feb 9, 2023 |
| FY2021 | Dec 31, 2020 | 584.01M | Feb 10, 2022 |
| FY2020 | Dec 31, 2019 | 615.93M | Feb 11, 2021 |
| FY2019 | Dec 31, 2018 | 718.76M | Feb 13, 2020 |
| FY2018 | Dec 31, 2017 | 770.53M | Feb 15, 2019 |
| FY2017 | Dec 31, 2016 | 817.35M | Feb 22, 2018 |
Dividends Paid
Cash dividends distributed to common shareholders during the period. Shown as a positive value despite being a cash outflow in the SEC filing.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $427.00M | Feb 6, 2026 |
| FY2025 | Dec 31, 2024 | $398.00M | Feb 6, 2026 |
| FY2025 | Dec 31, 2023 | $406.00M | Feb 6, 2026 |
| FY2024 | Dec 31, 2022 | $434.00M | Feb 7, 2025 |
| FY2023 | Dec 31, 2021 | $500.00M | Feb 8, 2024 |
| FY2022 | Dec 31, 2020 | $520.00M | Feb 9, 2023 |
| FY2021 | Dec 31, 2019 | $581.00M | Feb 10, 2022 |
| FY2020 | Dec 31, 2018 | $534.00M | Feb 11, 2021 |
| FY2019 | Dec 31, 2017 | $446.00M | Feb 13, 2020 |
| FY2018 | Dec 31, 2016 | $214.00M | Feb 15, 2019 |