Synchrony Financial income statement

In fiscal 2025, Synchrony Financial reported revenue of $18.99bn, down 2.8% on the year before and net income of $3.55bn, or $9.28 per diluted share. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.

Income statement

US$ billions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Synchrony Financial: income statement, annual
Fiscal year	2012Dec 2012	2013Dec 2013	2014Dec 2014	2015Dec 2015	2016Dec 2016	2017Dec 2017	2018Dec 2018	2019Dec 2019	2020Dec 2020	2021Dec 2021	2022Dec 2022	2023Dec 2023	2024Dec 2024	2025Dec 2025	LTMSept 2026
Revenue	10.0	11.1	11.8	12.5	13.9	15.3	16.4	17.2	14.8	14.7	16.0	17.3	19.5	19.0	19.3
Interest expense	0.7	0.7	0.9	1.1	1.2	1.4	1.9	2.3	1.7	1.0	1.5	3.7	—	—	—
Net interest income	9.6	10.6	11.3	12.1	13.5	15.0	16.1	16.8	14.4	14.2	15.6	17.0	18.0	18.5	18.8
Non-interest income	0.5	0.5	0.5	0.4	0.3	0.3	0.3	0.4	0.4	0.5	0.4	0.3	1.5	0.5	0.5
Non-interest expense	2.1	2.5	2.9	3.3	3.4	3.7	4.1	4.2	4.1	4.0	4.3	4.8	4.8	5.1	5.4
Provision for credit losses	2.6	3.1	2.9	3.0	4.0	5.3	5.5	4.2	5.3	0.7	3.4	6.0	6.7	5.2	5.2
Income before tax	3.4	3.1	3.4	3.5	3.6	3.3	3.6	4.9	1.8	5.5	4.0	2.9	4.6	4.6	4.4
Income tax	1.3	1.2	1.3	1.3	1.3	1.4	0.9	1.1	0.4	1.3	0.9	0.7	1.1	1.1	1.0
Net income	2.1	2.0	2.1	2.2	2.3	1.9	2.8	3.7	1.4	4.2	3.0	2.2	3.5	3.6	3.3
Diluted EPS	$3.00	$2.81	$2.78	$2.65	$2.71	$2.42	$3.74	$5.56	$2.27	$7.34	$6.15	$5.19	$8.55	$9.28	$9.81
Diluted shares (average)	705m	705m	758m	836m	832m	800m	747m	674m	591m	569m	483m	424m	401m	374m	340m

US$ millions unless shown otherwise. Fiscal quarters.

Synchrony Financial: income statement, quarterly
Quarter	2024 Q4Dec 2024	2025 Q1Mar 2025	2025 Q2Jun 2025	2025 Q3Sept 2025	2025 Q4Dec 2025	2026 Q1Mar 2026	2026 Q2Jun 2026	2026 Q3Sept 2026
Revenue	4,720	4,613	4,639	4,847	4,887	4,768	4,745	4,914
Net interest income	4,592	4,464	4,521	4,720	4,761	4,635	4,608	4,809
Non-interest income	128	149	118	127	126	133	137	105
Non-interest expense	1,267	1,243	1,245	1,248	1,399	1,316	1,331	1,371
Provision for credit losses	1,561	1,491	1,146	1,146	1,442	1,335	1,201	1,266
Income before tax	973	984	1,256	1,429	952	1,047	1,186	1,181
Income tax	199	227	289	352	201	242	301	289
Net income	774	757	967	1,077	751	805	885	892
Diluted EPS	$1.90	$1.89	$2.50	$2.86	$2.06	$2.27	$2.59	$2.68

EBITDA is operating income plus depreciation and amortisation. EPS and share counts are restated for stock splits. A dash means the company did not report the line for that period; expense lines are shown as reported, so they need not add up to the totals when a company reports other items between them.

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Figures from Synchrony Financial's SEC filings (10-K and 10-Q), retrieved October 23, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Synchrony Financial.