# Synchrony Financial: overview SYF · NYSE · CIK 1601712 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31 Pages: [Overview](/companies/syf.md) · [Financials](/companies/syf/financials.md) · [Filings](/companies/syf/filings.md) · [Insiders](/companies/syf/insiders.md) Revenue is not reported in this company’s XBRL financial statements. ## Last eight quarters | Line item | Unit | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) | | --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | | Revenue | $ | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | | Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | | Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | | Net margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | | Diluted EPS | $ per share | not reported | [1.89](/filings/0001601712-26-000016.md) | [2.50](/filings/0001601712-26-000033.md) | [2.86](/filings/0001601712-26-000043.md) | not reported | [2.27](/filings/0001601712-26-000016.md) | [2.59](/filings/0001601712-26-000033.md) | [2.68](/filings/0001601712-26-000043.md) | | Free cash flow | $ | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | - Revenue. XBRL not reported. - Gross margin (gross profit / revenue). XBRL not reported. - Operating margin (operating income / revenue). XBRL not reported. - Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss. Derived values: 12-month figure less the 9-month figure. - Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted. - Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities. Derived values: 12-month figure less the 9-month figure; 6-month figure less the 3-month figure; 9-month figure less the 6-month figure. ## Last five fiscal years | Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) | | --- | --- | ---: | ---: | ---: | ---: | ---: | | Revenue | $ | not reported | not reported | not reported | not reported | not reported | | Gross margin | % | not reported | not reported | not reported | not reported | not reported | | Operating margin | % | not reported | not reported | not reported | not reported | not reported | | Net margin | % | not reported | not reported | not reported | not reported | not reported | | Diluted EPS | $ per share | [7.34](/filings/0001601712-24-000047.md) | [6.15](/filings/0001601712-25-000044.md) | [5.19](/filings/0001601712-26-000006.md) | [8.55](/filings/0001601712-26-000006.md) | [9.28](/filings/0001601712-26-000006.md) | | Free cash flow | $ | not reported | not reported | not reported | not reported | not reported | - Revenue. XBRL not reported. - Gross margin (gross profit / revenue). XBRL not reported. - Operating margin (operating income / revenue). XBRL not reported. - Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss. - Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted. - Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities. Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing. ## Insider purchases and sales The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/syf/insiders.md) None in coverage. ## Funds that report holding it From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md) | Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before | | --- | --- | ---: | ---: | --- | --- | | [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $2.35bn | 30,893,517 | | Added +414,443 | | [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $1.67bn | 22,013,925 | | Reduced −583,891 | | [Capital World Investors](/funds/1422849.md) | 2026-06-30 | $1.44bn | 18,918,854 | | Reduced −14,878,053 | | [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $1.38bn | 18,090,018 | | Reduced −414,699 | | [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $1.35bn | 17,733,198 | | Added +8,569 | | [BANK OF AMERICA CORP /DE/](/funds/70858.md) | 2026-06-30 | $1.12bn | 14,766,088 | | Reduced −1,298,530 | | [GOLDMAN SACHS GROUP INC](/funds/886982.md) | 2026-06-30 | $767.6m | 10,093,347 | | Added +498,884 | | [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $759.6m | 9,853,708 | | Reduced −94,991 | | [FIRST TRUST ADVISORS LP](/funds/1125816.md) | 2026-06-30 | $585.5m | 7,698,248 | | Added +2,360,138 | | [PAR CAPITAL MANAGEMENT INC](/funds/1051359.md) | 2026-06-30 | $578.9m | 7,612,137 | | Unchanged | ## Recent filings [All 2,230 filings](/companies/syf/filings.md) | Filed | Accepted | Form | What it is | Accession | | --- | --- | --- | --- | --- | | 2026-10-22 | 20:17 ET | [10-Q](/filings/0001601712-26-000043.md) | Quarterly report, period 2026-09-30 | 0001601712-26-000043 | | 2026-10-20 | 10:03 ET | [8-K](/filings/0001601712-26-000041.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001601712-26-000041 | | 2026-10-20 | 10:00 ET | [8-K](/filings/0001601712-26-000040.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001601712-26-000040 | | 2026-09-14 | 21:35 ET | [8-K](/filings/0001601712-26-000037.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001601712-26-000037 | | 2026-08-17 | 21:37 ET | [8-K](/filings/0001601712-26-000035.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001601712-26-000035 | | 2026-07-31 | 20:32 ET | [8-K](/filings/0001193125-26-328719.md) | 8.01 Other events; 9.01 Financial statements and exhibits | 0001193125-26-328719 | | 2026-07-23 | 20:20 ET | [10-Q](/filings/0001601712-26-000033.md) | Quarterly report, period 2026-06-30 | 0001601712-26-000033 | | 2026-07-21 | 10:01 ET | [8-K](/filings/0001601712-26-000031.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001601712-26-000031 | | 2026-07-21 | 10:00 ET | [8-K](/filings/0001601712-26-000030.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001601712-26-000030 | | 2026-06-29 | 20:07 ET | [8-K](/filings/0001601712-26-000027.md) | 5.02 Departure or appointment of officers or directors; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001601712-26-000027 | ## Latest annual report [Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001601712-26-000006.md), filed Feb 6, 2026. ## Forecast league Not in this season’s league. [This season’s league](/leagues.md) ## About the filer - CIK: 1601712 - Tickers: SYF, SYF-PA, SYF-PB - Exchange: NYSE - SIC code: 6199 Finance Services - State of incorporation: NY - Filer category: Large accelerated filer Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 24, 2026, 15:44 ET. No prices; not investment advice.