Synchrony Financial (SYF)
NYSE · Financial Services · Financial - Credit Services
Profile
Synchrony Financial
- Exchange
- NYSE
- Ticker
- SYF
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Country
- US
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
Key facts
Synchrony Financial: key facts
- Synchrony Financial (NYSE: SYF) is a Financial - Credit Services company in the Financial Services sector.
- In fiscal 2025, Synchrony Financial reported revenue of $19.1B and net income of $3.6B.
- Revenue grew 14.2% a year over the last 4 fiscal years.
- Free cash flow was positive in 5 of the last 5 fiscal years.
- Net income was positive in 5 of the last 5 fiscal years.
- Over the last twelve months, revenue was $18.9B and net income was $3.3B.
MonkScore
Synchrony Financial's MonkScore
MonkScore
MonkScore range: 70–80
as of October 2026
Sector rank: 218 of 850 in Financial Services
How this score is madeDisclaimer
Pillar ranges
- Growth70–80
- Profitability80–90
- Quality90–100
- Market Conviction40–50
- Safety20–30
The MonkScore runs from 0 to 100. Each range is one of ten 10-point groups, from 0–10 to 90–100.
Each pillar's range uses the same ten groups. The exact score and the pillar scores are in the MonkStreet app.
Fundamentals
Figures from the statements
Synchrony Financial's annual figures and the last twelve months, in USD. Last report: 30 September 2026.
| Figure | Last 12 months | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Revenue | $18.9B | $19.1B | $20.8B | $17.3B | $13.2B | $11.2B |
| Gross profit | $9.8B | $9.8B | $9.4B | $7.7B | $8.3B | $9.5B |
| Operating income | $4.4B | $4.6B | $4.6B | $2.9B | $4.0B | $5.5B |
| Net income | $3.3B | $3.6B | $3.5B | $2.2B | $3.0B | $4.2B |
| Operating cash flow | $9.6B | $9.9B | $9.8B | $8.6B | $6.7B | $7.1B |
| Capital expenditure | $0.0 | $0.0 | $0.0 | $0.0 | $0.0 | $0.0 |
| Free cash flow | $9.6B | $9.9B | $9.8B | $8.6B | $6.7B | $7.1B |
| Total debt | $17.0B | $15.2B | $15.5B | $16.0B | $14.2B | $14.5B |
| Cash | $15.9B | $15.0B | $14.7B | $14.3B | $10.3B | $8.3B |
Revenue growth a year
- 1-year
- -7.9%
- 3-year
- 13.2%
- 4-year
- 14.2%
Compound growth between fiscal years.
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Page built on 31 October 2026.