SYF · XBRL financial data

Synchrony Financial financial statements, every fiscal year

The same tables from 7 filings, lined up. Matched by XBRL tag: renamed lines keep their history.

How these numbers work

Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
* marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
0 means a filing states zero; a dash (—) means no filing states that number.
“year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
Shares outstanding come from each filing's cover page, as of the date printed there.
Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.

Income statement

Fiscal years (SYF's year ends in late December)

In millions of dollars	FY 2020Dec 31, 2020	FY 2021Dec 31, 2021	FY 2022Dec 31, 2022	FY 2023Dec 31, 2023	FY 2024Dec 31, 2024	FY 2025Dec 31, 2025
Interest expense	1,665	1,032	1,521	3,711	—	—
Income tax expense (benefit)	412	1,282	946	666	1,054	1,069
Net income (loss)	1,385	4,221	3,016	2,238	3,499	3,552
Earnings per share, basic USD per share	2.28	7.40	6.19	5.21	8.64	9.38
Earnings per share, diluted USD per share	2.27	7.34	6.15	5.19	8.55	9.28
Weighted average shares, basic millions of shares	589	565	480	421	397	370
Weighted average shares, diluted millions of shares	591	569	483	424	401	374

Fiscal years (SYF's year ends in late December)

In millions of dollars	FY 2020Dec 31, 2020	FY 2021Dec 31, 2021	FY 2022Dec 31, 2022	FY 2023Dec 31, 2023	FY 2024Dec 31, 2024	FY 2025Dec 31, 2025
Cash and cash equivalents	11,524	8,337	10,294	14,259	14,711	14,973
Property and equipment, net	—	—	—	—	—	1,248
Goodwill	1,078	1,105	1,105	1,018	1,274	1,363
Total assets	95,948	95,748	104,564	117,479	119,463	119,095
Total deposits	62,782	62,270	71,735	81,153	82,062	81,144
Total liabilities	83,247	82,093	91,691	103,576	102,883	102,329
Retained earnings	10,621	14,245	16,716	18,662	21,635	24,598
Total stockholders' equity	12,701	13,655	12,873	13,903	16,580	16,766
Total liabilities and equity	95,948	95,748	104,564	117,479	119,463	119,095
Common shares outstanding (cover page) millions of shares	584	521	437	407	389	348

Fiscal years (SYF's year ends in late December)

In millions of dollars	FY 2020Dec 31, 2020	FY 2021Dec 31, 2021	FY 2022Dec 31, 2022	FY 2023Dec 31, 2023	FY 2024Dec 31, 2024	FY 2025Dec 31, 2025
Net income (loss)	1,385	4,221	3,016	2,238	3,499	3,552
Depreciation and amortization	383	390	419	458	481	514
Net cash from operating activities	7,487	7,099	6,694	8,593	9,848	9,851
Net cash from investing activities	(498)	(4,814)	(10,234)	(14,234)	(8,903)	(4,854)
Share repurchases	985	2,876	3,320	1,112	1,008	2,941
Dividends paid	520	500	434	406	398	427
Net cash from financing activities	(8,031)	(5,204)	5,284	9,632	(611)	(4,735)

SIC 6199 and related industry codes, similar size. Each row is the latest quarter reported.

How peers are chosen

SIC 6199 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
Runway shows only for companies burning cash with under $10B of public float.
* marks a quarter worked out from the filing totals: for a 10-K, the year less the first three quarters; for a 10-Q, the year-to-date total less the earlier one.
A cell reading “not reported” means the filings give no figure for that quarter alone.
A cell reading “year only” links to a 10-K that gives only the full year: without all three earlier quarters there is no fourth quarter to work out, and the year total is never shown as a quarter.

Company	Cash ($M)	Revenue, quarter ($M)	Operating cash flow, quarter ($M)	Shares outstanding	Runway	Quarter
Synchrony Financial	15,901	not reported	2,498*	311.4M	—	Q3 FY26 10-QSep 30, 2026
SoFi Technologies	3,126	154	(3,890)*	1.3B	—	Q2 FY26 10-QJun 30, 2026
Circle Internet Group	1,700	207	(16)*	not reported	—	Q3 FY26 10-QSep 30, 2026
IREN	5,896	137*	year only	not reported	—	Q4 FY26 10-KJun 30, 2026
Coinbase Global	8,604	1,216	405*	not reported	—	Q3 FY26 10-QSep 30, 2026
Chime Financial	536	670	207*	not reported	—	Q2 FY26 10-QJun 30, 2026
Strategy	2,501	125	4.4*	not reported	—	Q3 FY26 10-QSep 30, 2026
MARA Holdings	421	175	(224)*	386.3M	1.9 quarters	Q2 FY26 10-QJun 30, 2026
Upstart Holdings	461	371	(20)*	98.9M	4.7 quarters	Q3 FY26 10-QSep 30, 2026

Not investment advice. Not affiliated with the U.S. SEC.