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SYF · Synchrony Financial · Financials

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$72.12 +0.61 (+0.85%)
S&P 500 member Russell 1000 member Rebalance outlook locked
Customer concentration — top 3 customers 10% of revenue

3 customers — 10% of revenue (the year ended December 31, 2025)

“'s, PayPal, which includes our Venmo program, and Sam's Club, each accounted for more than 10% of our total interest and fees on loans for the year ended December 31, 2025.”
View the 10-K filed Feb 6, 2026
Market Cap
$23.73B
Shares
325.37M
Volume · Oct 2 210.79K Avg daily vol (3M) 3.4M

Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.

Pull these statements through the financial statements API or MCP →
Net Income
$3.55B +1.5%
FY2025 Net Income FY2012–FY2025
Diluted EPS
$9.28 +8.5%
FY2025 Diluted EPS FY2012–FY2025
Operating Cash Flow
$9.85B 0%
FY2025 Operating Cash Flow FY2012–FY2025

Chart any reported metric, KPI or segment over time — the full statement history lives here

Income Statement Balance Sheet Cash Flow All Metrics
Annual Quarterly
Line Item FY2026 (G) TTM FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018 FY2017 FY2016 FY2015 FY2014 FY2013 FY2012
— $18.72B $18.47B $18.01B $17B $15.63B $14.24B $14.4B $16.8B $16.12B $15.02B $13.53B $12.09B $11.32B $10.57B $9.56B
— $523M $520M $1.52B $289M $380M $481M $405M $371M $265M $288M $344M $392M $485M $500M $484M
— $555M $514M $481M $458M $419M $390M $383M $367M $302M $254M $219M $174M $131M $104M $83M
— — — — — — — $87M — — — — — — — —
— $3.93B $4.14B $4.63B $3.71B $1.52B $1.03B $1.67B $2.29B $1.87B $1.39B $1.25B $1.14B $922M $742M $745M
— $22.65B $22.6B $22.65B $20.71B $17.15B $15.27B $16.07B $19.09B $17.99B $16.41B $14.78B $13.23B $12.24B $11.31B $10.31B
— $4.61B $4.62B $4.55B $2.9B $3.96B $5.5B $1.8B $4.89B $3.64B $3.32B $3.57B $3.53B $3.39B $3.14B $3.38B
— $1.1B $1.07B $1.05B $666M $946M $1.28B $412M $1.14B $854M $1.39B $1.32B $1.32B $1.28B $1.16B $1.26B
— $3.52B $3.55B $3.5B $2.24B $3.02B $4.22B $1.39B $3.75B $2.79B $1.94B $2.25B $2.21B $2.11B $1.98B $2.12B
— $3.44B $3.47B $3.43B $2.2B $2.97B $4.18B $1.34B $3.75B $2.79B $1.94B — — — — —
— $3.49B $3.56B $3.51B $2.3B $2.96B $4.2B $1.39B $3.76B $2.79B $1.92B $2.24B $2.18B $2.11B $1.96B $2.12B
USD/shares — $9.86 $9.38 $8.64 $5.21 $6.19 $7.40 $2.28 $5.59 $3.76 $2.43 $2.71 $2.66 $2.78 $2.81 $3.00
USD/shares $9.25 – $9.50 $9.75 $9.28 $8.55G $5.19 $6.15 $7.34 $2.27 $5.56 $3.74 $2.42 $2.71 $2.65 $2.78 $2.81 $3.00
shares — — 369.9M 396.5M 421.2M 480.4M 564.6M 589M 670.2M 742.3M 795.6M 829.2M 833.8M 757.4M 705.3M 705.3M
shares — — 373.9M 400.6M 423.5M 483.4M 569.3M 590.8M 673.5M 746.9M 799.7M 831.5M 835.5M 757.6M 705.3M 705.3M
Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing. TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative. (G): the company's own guidance — a (G) column is a guided period not yet reported; a G marker shows how the reported figure landed against the guided range. Non-GAAP-basis guidance (*) is shown as stated and never judged against GAAP actuals.

Capital Returned to Shareholders

Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2014–FY2025: $19.7B in buybacks, $4.46B in dividends.

Debt Profile

Completed filing coverage through Jun 5, 2026

Annual debt figures are established from 10-K filings and updated by subsequent 10-Q and 8-K disclosures. Instrument balances are not summed into a company total unless the filing itself reports that total.

Debt data is being processed. Please check back later.
2 filings have incomplete source or extraction coverage. Verified observations are shown; missing observations do not establish that debt was unchanged.

4.947% Fixed-to-Floating Rate Senior Notes due 2032

Note · Synchrony Financial

Reference: 4.947% Fixed-to-Floating Rate Senior Notes due 2032

Active
Outstanding
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Commitment
—
Availability
—
Maturity
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Documents and filing history
  1. Issuance · 2026-02-18 Outstanding — · carrying — Exact source document Parent 8-K filing · 2026-02-25
    On February 18, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with BofA Securities, Inc., J.P. Morgan Securities LLC and Mizuho Securities USA LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $750,000,000 aggregate principal amount of 4.947% Fixed-to-Floating Rate Senior Notes due 2032 (the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.
    Issuer evidence: On February 18, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with BofA Securities, Inc., J.P. Morgan Securities LLC and Mizuho Securities USA LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $750,000,000 aggregate principal amount of 4.947% Fixed-to-Floating Rate Senior Notes due 2032 (the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.
    Supporting evidence: On February 18, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with BofA Securities, Inc., J.P. Morgan Securities LLC and Mizuho Securities USA LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $750,000,000 aggregate principal amount of 4.947% Fixed-to-Floating Rate Senior Notes due 2032 (the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.
    Supporting evidence: On February 18, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with BofA Securities, Inc., J.P. Morgan Securities LLC and Mizuho Securities USA LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $750,000,000 aggregate principal amount of 4.947% Fixed-to-Floating Rate Senior Notes due 2032 (the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.

5.450% Fixed-to-Floating Rate Senior Notes due 2030

Note · Synchrony Financial

Reference: 5.450% Fixed-to-Floating Rate Senior Notes due 2030

Active
Outstanding
—
Commitment
—
Availability
—
Maturity
—
Documents and filing history
  1. Issuance · 2026-07-28 Outstanding — · carrying — Exact source document Parent 8-K filing · 2026-07-31
    On July 28, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with J.P. Morgan Securities LLC, TD Securities (USA) LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $600,000,000 aggregate principal amount of 5.450% Fixed-to-Floating Rate Senior Notes due 2030 (the “2030 Notes”) and $500,000,000 aggregate principal amount of 6.276% Fixed-to-Floating Rate Senior Notes due 2037 (the “2037 Notes” and, together with the 2030 Notes, the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.
    Issuer evidence: On July 28, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with J.P. Morgan Securities LLC, TD Securities (USA) LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $600,000,000 aggregate principal amount of 5.450% Fixed-to-Floating Rate Senior Notes due 2030 (the “2030 Notes”) and $500,000,000 aggregate principal amount of 6.276% Fixed-to-Floating Rate Senior Notes due 2037 (the “2037 Notes” and, together with the 2030 Notes, the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.
    Supporting evidence: On July 28, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with J.P. Morgan Securities LLC, TD Securities (USA) LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $600,000,000 aggregate principal amount of 5.450% Fixed-to-Floating Rate Senior Notes due 2030 (the “2030 Notes”) and $500,000,000 aggregate principal amount of 6.276% Fixed-to-Floating Rate Senior Notes due 2037 (the “2037 Notes” and, together with the 2030 Notes, the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.
    Supporting evidence: On July 28, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with J.P. Morgan Securities LLC, TD Securities (USA) LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $600,000,000 aggregate principal amount of 5.450% Fixed-to-Floating Rate Senior Notes due 2030 (the “2030 Notes”) and $500,000,000 aggregate principal amount of 6.276% Fixed-to-Floating Rate Senior Notes due 2037 (the “2037 Notes” and, together with the 2030 Notes, the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.

6.276% Fixed-to-Floating Rate Senior Notes due 2037

Note · Synchrony Financial

Reference: 6.276% Fixed-to-Floating Rate Senior Notes due 2037

Active
Outstanding
—
Commitment
—
Availability
—
Maturity
—
Documents and filing history
  1. Issuance · 2026-07-28 Outstanding — · carrying — Exact source document Parent 8-K filing · 2026-07-31
    On July 28, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with J.P. Morgan Securities LLC, TD Securities (USA) LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $600,000,000 aggregate principal amount of 5.450% Fixed-to-Floating Rate Senior Notes due 2030 (the “2030 Notes”) and $500,000,000 aggregate principal amount of 6.276% Fixed-to-Floating Rate Senior Notes due 2037 (the “2037 Notes” and, together with the 2030 Notes, the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.
    Issuer evidence: On July 28, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with J.P. Morgan Securities LLC, TD Securities (USA) LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $600,000,000 aggregate principal amount of 5.450% Fixed-to-Floating Rate Senior Notes due 2030 (the “2030 Notes”) and $500,000,000 aggregate principal amount of 6.276% Fixed-to-Floating Rate Senior Notes due 2037 (the “2037 Notes” and, together with the 2030 Notes, the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.
    Supporting evidence: On July 28, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with J.P. Morgan Securities LLC, TD Securities (USA) LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $600,000,000 aggregate principal amount of 5.450% Fixed-to-Floating Rate Senior Notes due 2030 (the “2030 Notes”) and $500,000,000 aggregate principal amount of 6.276% Fixed-to-Floating Rate Senior Notes due 2037 (the “2037 Notes” and, together with the 2030 Notes, the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.
    Supporting evidence: On July 28, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with J.P. Morgan Securities LLC, TD Securities (USA) LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $600,000,000 aggregate principal amount of 5.450% Fixed-to-Floating Rate Senior Notes due 2030 (the “2030 Notes”) and $500,000,000 aggregate principal amount of 6.276% Fixed-to-Floating Rate Senior Notes due 2037 (the “2037 Notes” and, together with the 2030 Notes, the “Notes”) in a public offering pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-288729) (the “Registration Statement”) and a related prospectus, including the related prospectus supplement, filed with the Securities and Exchange Commission.

Price & Valuation

Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.

Valuation

EV/Revenue
—
Peer median 2.67×
EV/EBIT
—
Peer median 11.13×
P/E (TTM)
7.48×
Peer median 12.08×

Peer medians compare against the 14 similar-size Credit Services companies (of 43 listed).

Valuation over time computed as of each quarter's filing date

Key facts CIK 1601712 CUSIP 87165B103 13F (30d) 24 filings 18 filers Visit website Investor relations