← Synchrony Financial SYF
Market Price
$80.98
Market Cap
$26.93B
P/E Ratio
8.73
Revenue (FY 2025)
↓-2.8% YoY
$18.99B
3-Yr CAGR: 5.9%
Net Income
↑1.5% YoY
$3.55B
Net Margin: 18.7%
Free Cash Flow
↑0.0% YoY
$9.85B
FCF Yield: 36.58%
EPS (Diluted)
↑8.5% YoY
$9.28
Basic: $9.38
Return on Equity
Efficiency
21.2%
ROA: 3.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (SYF)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $13,874.0M | — | $12,626.0M | $2,251.0M | — | $2.71 | — | $6,823.0M | $6,823.0M | — |
| FY 2017 | $15,304.0M | +10.3% | $13,913.0M | $1,935.0M | -14.0% | $2.42 | -10.7% | $8,916.0M | $8,916.0M | +30.7% |
| FY 2018 | $16,383.0M | +7.1% | $14,513.0M | $2,790.0M | +44.2% | $3.74 | +54.5% | $9,342.0M | $9,342.0M | +4.8% |
| FY 2019 | $17,170.0M | +4.8% | $14,879.0M | $3,747.0M | +34.3% | $5.56 | +48.7% | $8,990.0M | $8,990.0M | -3.8% |
| FY 2020 | $14,807.0M | -13.8% | $13,142.0M | $1,385.0M | -63.0% | $2.27 | -59.2% | $7,487.0M | $7,487.0M | -16.7% |
| FY 2021 | $14,720.0M | -0.6% | $13,688.0M | $4,221.0M | +204.8% | $7.34 | +223.3% | $7,099.0M | $7,099.0M | -5.2% |
| FY 2022 | $16,005.0M | +8.7% | $14,484.0M | $3,016.0M | -28.5% | $6.15 | -16.2% | $6,694.0M | $6,694.0M | -5.7% |
| FY 2023 | $17,288.0M | +8.0% | $13,577.0M | $2,238.0M | -25.8% | $5.19 | -15.6% | $8,593.0M | $8,593.0M | +28.4% |
| FY 2024 | $19,532.0M | +13.0% | $14,898.0M | $3,499.0M | +56.3% | $8.55 | +64.7% | $9,848.0M | $9,848.0M | +14.6% |
| FY 2025 | $18,986.0M | -2.8% | $14,851.0M | $3,552.0M | +1.5% | $9.28 | +8.5% | $9,851.0M | $9,851.0M | +0.0% |
Valuation
Market Price
$80.98
Market Cap
$26.93B
Enterprise Value
$27.14B
P/E Ratio
8.73
P/B Ratio
1.62
FCF Yield
36.58%
Dividend Yield
1.42%
Shares Outstanding
Profitability & Margins
Gross Margin
78.22%
Operating Margin
24.09%
Net Margin
18.71%
Return on Equity (ROE)
21.19%
Return on Assets (ROA)
2.98%
Asset Turnover
0.16x
Revenue 3-Yr CAGR
5.86%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.906
Debt / Assets
0.127
Cash & Equivalents
$14.97B
Total Debt
$15.18B
Book Value / Share
$49.84
Cash Flow Efficiency
Operating Cash Flow
$9.85B
Capital Expenditures (CapEx)
N/A
Free Cash Flow
$9.85B
OCF / Revenue
51.89%
FCF / Revenue
51.89%
FCF 3-Yr CAGR
13.74%
Per Share Metrics
EPS (Diluted)
$9.28
EPS (Basic)
$9.38
Dividends / Share
$1.15
Book Value / Share
$49.84
EPS YoY Growth
8.54%
Balance Sheet (FY 2025)
Total Assets
$119.09B
Total Liabilities
$102.33B
Stockholders' Equity
$16.77B
Current Assets
N/A
Current Liabilities
N/A