Synchrony Financial (SYF)
At September 30, 2026 it held $15.9B in cash against $17B of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 22, 2026.
Key facts about Synchrony Financial
- Net worth
- Synchrony Financial has a market value (market cap) of $27.2B at the latest share price, and shareholders' equity of $16.6B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $9.9B of cash.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 22, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Synchrony Financial's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Synchrony Financial declared dividends of $1.15 per share in fiscal 2025, a yield of 1.57% at the current price.
What Synchrony Financial does
Synchrony Financial is registered with the SEC under industry code SIC 6199 (Finance Services). Its shares trade on NYSE under the ticker SYF.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $3.6B | $9.28 | n/a |
| 2024 | n/a | $3.5B | $8.55 | n/a |
| 2023 | n/a | $2.2B | $5.19 | n/a |
| 2022 | n/a | $3B | $6.15 | n/a |
| 2021 | n/a | $4.2B | $7.34 | n/a |
| 2020 | n/a | $1.4B | $2.27 | n/a |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Synchrony Financial declared $1.15 per share in fiscal 2025. At the current price that is a yield of 1.57%. It paid out $427M in cash dividends, 12% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.15 | $427M | 12% |
| 2024 | $1.00 | $398M | 11% |
| 2023 | $0.96 | $406M | 18% |
| 2022 | $0.90 | $434M | 14% |
| 2021 | $0.88 | $500M | 12% |
| 2020 | $0.88 | $520M | 38% |
Latest SEC filings
What Synchrony Financial has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 22, 2026
- October 20, 2026
- October 20, 2026
- September 14, 2026
- August 17, 2026
- August 12, 2026Passive stake changed SCHEDULE 13G/A
- July 31, 2026Other event 8-K
- July 23, 2026
- July 21, 2026
- July 21, 2026
Insider trades
What the people running Synchrony Financial did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $436.5K worth of shares in the last 90 days and bought none on the open market. All of the selling was pre-planned under Rule 10b5-1 trading plans.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 30, 2026 | Guthrie Roy ADirector | Received as pay | 846 | $60K |
| September 30, 2026 | Naylor Jeffrey GDirector | Received as pay | 1,287 | $91.3K |
| September 30, 2026 | Coviello Arthur W JrDirector | Received as pay | 846 | $60K |
| September 30, 2026 | Aguirre FernandoDirector | Received as pay | 846 | $60K |
| September 30, 2026 | Alves Paget LeonardDirector | Received as pay | 846 | $60K |
| September 30, 2026 | Zane Ellen MDirector | Received as pay | 846 | $60K |
| September 30, 2026 | Parker P.W.Director | Received as pay | 846 | $60K |
| September 30, 2026 | Colao Daniel ODirector | Received as pay | 846 | $60K |
Who owns SYF
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Vanguard Capital Management13G, passive | 7.53% | April 30, 2026 |
| Capital World Investors13G, passive | 5.6% | August 12, 2026 |
| Vanguard Portfolio Management13G, passive | 5.36% | April 29, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 1,002 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 30,893,517 | +414,443 |
| Vanguard Capital Management LLC | 22,013,925 | -583,891 |
| Capital World Investors | 18,918,854 | -14,878,053 |
| Vanguard Portfolio Management LLC | 18,090,018 | -414,699 |
| State Street Corp | 17,733,198 | +8,569 |
| Bank of America Corp | 14,766,088 | -1,298,530 |
| Goldman Sachs Group Inc | 10,093,347 | +498,884 |
| Geode Capital Management, LLC | 9,853,708 | -94,991 |
| First Trust Advisors LP | 7,698,248 | +2,360,138 |
| Par Capital Management Inc | 7,612,137 | 0 |
| Harris Associates L P | 7,446,335 | +2,787,334 |
| Dimensional Fund Advisors LP | 6,254,849 | +215,096 |
| Nordea Investment Management AB | 5,303,927 | +51,463 |
| Invesco Ltd. | 5,379,328 | -251,446 |
| Northern Trust Corp | 4,879,249 | -128,212 |
| Morgan Stanley | 4,633,326 | +71,562 |
| Ameriprise Financial Inc | 4,512,851 | -324,970 |
| Assetmark, Inc | 4,402,769 | +64,165 |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | 4,174,429 | -86,574 |
| Barclays PLC | 4,045,557 | +2,391,653 |
Insiders
21 insiders reported holding 3,336,122 shares in total, about $244.3M at the last price.
| Holder | Shares |
|---|---|
| Doubles Brian DSee remarks, Director | 1,656,772 |
| Mothner Jonathan SSee remarks | 265,539 |
| Howse CurtisSee remarks | 173,233 |
| Naylor Jeffrey GDirector | 132,521 |
| Wenzel Brian J. Sr.See remarks | 128,984 |
| Alves Paget LeonardDirector | 105,914 |
| Richie LaurelDirector | 104,494 |
| Juel CarolSee remarks | 103,321 |
| Casellas AlbertoSee remarks | 101,203 |
| Guthrie Roy ADirector | 82,556 |
Questions about SYF
What does Synchrony Financial do?
Synchrony Financial is a company in the Finance sector, listed on NYSE as SYF. Its shares trade on NYSE under the ticker SYF.
What is Synchrony Financial's net worth?
Synchrony Financial has a market value (market cap) of $27.2B at the latest share price, and shareholders' equity of $16.6B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Synchrony Financial profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $3.3B.
When did Synchrony Financial last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 22, 2026. It covers the period to September 30, 2026.
When is Synchrony Financial's next earnings report?
Synchrony Financial's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Synchrony Financial pay a dividend?
Yes. Synchrony Financial declared dividends of $1.15 per share in fiscal 2025, a yield of 1.57% at the current price.
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Where the numbers come from
Financial figures are the values Synchrony Financial tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.