Synchrony Financial (SYF)

NYSE: SYF · Finance Services · Stamford, CT · filing with the SEC since 2014

Grade6.4

◀ Past 7.8● Present 6.6▶ Future 3.9

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Income statement, as filed

In millions of US dollars (USD), as filed; per-share figures in US dollars; share counts in millions. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Feb 6, 2026	Feb 7, 2025	Feb 8, 2024	Feb 9, 2023	Feb 10, 2022	Feb 11, 2021	Feb 13, 2020	Feb 15, 2019	Feb 22, 2018	Feb 23, 2017
For lenders
Interest and dividend income	22,601	22,645	20,710	17,146	15,271	16,067	19,090	17,988	16,407	14,778
Interest expense on deposits and borrowings	4,135	4,634	3,711	1,521	·	·	·	·	·	·
Net interest income	18,466	18,011	16,999	15,625	14,239	14,402	16,799	16,118	15,016	13,530
Provision for credit losses	5,225	6,733	5,965	3,375	726	5,310	4,180	5,545	5,296	3,986
Noninterest income	520	1,521	289	380	481	405	371	265	288	344
Noninterest expense	5,135	4,839	4,758	4,337	3,963	4,055	4,245	4,095	3,747	3,416
Interest expense	·	·	3,711	1,521	1,032	1,665	2,291	1,870	1,391	1,248
Income before income taxes	4,621	4,553	2,904	3,962	5,503	1,797	4,887	3,644	3,324	3,570
Income tax expense	1,069	1,054	666	946	1,282	412	1,140	854	1,389	1,319
Net income	3,552	3,499	2,238	3,016	4,221	1,385	3,747	2,790	1,935	2,251
Preferred dividends	83	72	42	42	42	42	0	0	·	·
Net income to common shareholders	3,469	3,427	2,196	2,974	4,179	1,343	3,747	2,790	1,935	·
Earnings per share, basic	9.38	8.64	5.21	6.19	7.40	2.28	5.59	3.76	2.43	2.71
Earnings per share, diluted	9.28	8.55	5.19	6.15	7.34	2.27	5.56	3.74	2.42	2.71
Weighted average shares, basic	369.9	396.5	421.2	480.4	564.6	589.0	670.2	742.3	795.6	829.2
Weighted average shares, diluted	373.9	400.6	423.5	483.4	569.3	590.8	673.5	746.9	799.7	831.5

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLossesExpensed

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Preferred dividends paid to preferred holders before common shareholdersus-gaap:PreferredStockDividendsIncomeStatementImpact

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton SYF · research, not advice