Synchrony Financial
About Synchrony Financial
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
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Financial summary
- Net income
- $3.6B
- Total assets
- $119.1B
- Market cap
- $23.8B
- Operating margin
- 25.0%
- Net margin
- 19.2%
Source: SEC EDGAR · updated Jun 8, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $18.5B
- Operating expenses
- $13.8B
- Operating income
- $4.6B
- Income tax
- $1.1B
- Net income
- $3.6B
- EPS (basic)
- $9.38
- EPS (diluted)
- $9.28
Balance sheet
- Total assets
- $119.1B
- Current assets
- $119.1B
- Total liabilities
- $102.3B
- Current liabilities
- $102.3B
- Shareholders’ equity
- $16.8B
Cash flow
- Operating cash flow
- $9.9B
- Investing cash flow
- -$4.9B
- Financing cash flow
- -$4.7B
- Net cash flow
- $262.0M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $23.8B
- P/E ratio
- 7.6
- EPS (diluted)
- $9.28
- Dividend yield
- 1.7%
- Shares outstanding
- 337.8M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jul 31, 2014
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $3.6B.
- Revenue grew 30% from FY2021 to FY2025.
- Trading 20% below its 52-week high.
- Pays a dividend yielding about 1.7% annually.
- Valued at a price-to-earnings (P/E) ratio of 7.6.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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