Stock research
Synchrony Financial issues store-branded and private-label credit cards through retail partners.
Synchrony Financial reported net income of $3.6B for the fiscal year ended December 31, 2025. Source: Form 10-K filed February 6, 2026
SEC data as of
Delayed Cboe One market data via TradingView. It may differ from primary-exchange or consolidated quotes.
Reported figures from Synchrony Financial's filings, pulled directly from SEC XBRL data rather than a third-party terminal. Each row links to the filing it came from.
| Metric | Value | Period | Source |
|---|---|---|---|
| Net income | $3.6B | 2025-01-01 – 2025-12-31 | SEC filing |
| Operating cash flow | $9.9B | 2025-01-01 – 2025-12-31 | SEC filing |
| Diluted EPS | $9.28 | 2025-01-01 – 2025-12-31 | SEC filing |
| Shares outstanding | 348M | As of 2026-01-30 | SEC filing |
Values are as tagged by the issuer in XBRL. Revenue for banks and insurers is net of interest expense where that is the reported line. Fiscal years that do not follow the calendar are shown by their period-end date. No price, market cap, or valuation multiple is shown because Yield Theory does not republish unlicensed market data.
Diluted EPS is the earnings figure behind the price-to-earnings ratio; the P/E multiple compression calculator shows how a change in that multiple moves a share price. Shares outstanding multiplied by the share price gives market capitalization.
Synchrony Financial sits in Financials. Banks, insurers, asset managers, and exchanges — the plumbing of capital markets, geared directly to interest rates and credit. We have not yet written company-specific drivers for SYF; the forces that matter most for the sector are:
Each question starts with what the filings show, then why it matters. None of these is a rating or a forecast.
Operating cash flow was $9.9B, 2.77 times net income of $3.6B, for the fiscal year ended December 31, 2025.
Cash from operations exceeded reported earnings. Non-cash charges such as depreciation, amortization and stock-based compensation usually explain the gap; the cash-flow statement shows which.
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Read the full researchHow we source and review company pages: research methodology.
| Politician | Trade date | Type | Owner | Amount | Source |
|---|---|---|---|---|---|
| Josh Gottheimer | 2026-04-09 | Sale | Joint | $15,001 - $50,000 | Filing #20034585 |
| Alan Armstrong | 2026-03-27 | Purchase | Self | $1,001 - $15,000 | Filing #fda235b3-bad7-4637-8fa1-053f354d929c |
| Julia Letlow | 2025-07-02 | Purchase | Self | $1,001 - $15,000 | Filing #20030977 |
All verified SYF congressional disclosures
Congressional disclosures are delayed, range-based records—not real-time signals or proof of motive. See the source-linked tracker for scope and limitations.
Synchrony Financial issues store-branded and private-label credit cards through retail partners.
Synchrony Financial reported net income of $3.6B for the fiscal year ended December 31, 2025. The figures come from Synchrony Financial's SEC XBRL filings.
The SEC lists Synchrony Financial's fiscal year end as December 31.
The current verified House and Senate snapshot contains 3 transaction rows for SYF, each linked to the original filing.
This page does not rate SYF as a buy or sell. It sets out what Synchrony Financial reports, what investors should watch and the questions a thesis has to answer, with links to the SEC filings. It is research, not investment advice.
This page is independent research and educational information, not investment advice or a recommendation to buy or sell any security. Company facts are compiled from public sources. Do your own research.
Financials describe the business. The next question is which assumptions an investment thesis depends on. Explore the member reports below for analysis of catalysts, risks, and what would change the view. $39/month or $249/year.
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