# Synchrony Financial: financial statements, quarterly

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)

Standardized line items from XBRL company facts. Each value links to its filing; d marks a value derived from year-to-date figures. Other view: [annual](/companies/syf/financials.md?period=annual).

## Income statement

| Line item | Unit | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | 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) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Interest expense | $m | [1,083 d](/filings/0001601712-24-000047.md) | [1,163](/filings/0001601712-24-000172.md) | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Income tax | $m | [99.0 d](/filings/0001601712-26-000006.md) | [415](/filings/0001601712-25-000144.md) | [201](/filings/0001601712-25-000231.md) | [239](/filings/0001601712-25-000259.md) | [199 d](/filings/0001601712-26-000006.md) | [227](/filings/0001601712-26-000016.md) | [289](/filings/0001601712-26-000033.md) | [352](/filings/0001601712-26-000043.md) | [201 d](/filings/0001601712-26-000006.md) | [242](/filings/0001601712-26-000016.md) | [301](/filings/0001601712-26-000033.md) | [289](/filings/0001601712-26-000043.md) |
| Net income | $m | [440 d](/filings/0001601712-26-000006.md) | [1,293](/filings/0001601712-25-000259.md) | [643](/filings/0001601712-25-000259.md) | [789](/filings/0001601712-25-000259.md) | [774 d](/filings/0001601712-26-000006.md) | [757](/filings/0001601712-26-000043.md) | [967](/filings/0001601712-26-000043.md) | [1,077](/filings/0001601712-26-000043.md) | [751 d](/filings/0001601712-26-000006.md) | [805](/filings/0001601712-26-000043.md) | [885](/filings/0001601712-26-000043.md) | [892](/filings/0001601712-26-000043.md) |
| Diluted EPS | $ per share | not reported | [3.14](/filings/0001601712-25-000144.md) | [1.55](/filings/0001601712-25-000231.md) | [1.94](/filings/0001601712-25-000259.md) | 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) |
| Basic EPS | $ per share | not reported | [3.17](/filings/0001601712-25-000144.md) | [1.56](/filings/0001601712-25-000231.md) | [1.96](/filings/0001601712-25-000259.md) | not reported | [1.91](/filings/0001601712-26-000016.md) | [2.51](/filings/0001601712-26-000033.md) | [2.89](/filings/0001601712-26-000043.md) | not reported | [2.29](/filings/0001601712-26-000016.md) | [2.61](/filings/0001601712-26-000033.md) | [2.71](/filings/0001601712-26-000043.md) |

- Interest expense: us-gaap:InterestExpense
- Income tax: us-gaap:IncomeTaxExpenseBenefit
- Net income: us-gaap:NetIncomeLoss
- Diluted EPS: us-gaap:EarningsPerShareDiluted
- Basic EPS: us-gaap:EarningsPerShareBasic

## Balance sheet

| Line item | Unit | FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Cash and equivalents | $bn | [14.3](/filings/0001601712-26-000006.md) | [20.0](/filings/0001601712-25-000144.md) | [18.6](/filings/0001601712-25-000231.md) | [17.9](/filings/0001601712-25-000259.md) | [14.7](/filings/0001601712-26-000006.md) | [21.6](/filings/0001601712-26-000016.md) | [19.5](/filings/0001601712-26-000033.md) | [16.2](/filings/0001601712-26-000043.md) | [15.0](/filings/0001601712-26-000043.md) | [20.6](/filings/0001601712-26-000016.md) | [16.2](/filings/0001601712-26-000033.md) | [15.9](/filings/0001601712-26-000043.md) |
| Total assets | $bn | [117](/filings/0001601712-25-000044.md) | [121](/filings/0001601712-24-000172.md) | [120](/filings/0001601712-24-000250.md) | [119](/filings/0001601712-24-000336.md) | [119](/filings/0001601712-26-000006.md) | [122](/filings/0001601712-25-000144.md) | [121](/filings/0001601712-25-000231.md) | [117](/filings/0001601712-25-000259.md) | [119](/filings/0001601712-26-000043.md) | [122](/filings/0001601712-26-000016.md) | [122](/filings/0001601712-26-000033.md) | [122](/filings/0001601712-26-000043.md) |
| Total liabilities | $bn | [104](/filings/0001601712-25-000044.md) | [106](/filings/0001601712-24-000172.md) | [105](/filings/0001601712-24-000250.md) | [103](/filings/0001601712-24-000336.md) | [103](/filings/0001601712-26-000006.md) | [105](/filings/0001601712-25-000144.md) | [104](/filings/0001601712-25-000231.md) | [99.9](/filings/0001601712-25-000259.md) | [102](/filings/0001601712-26-000043.md) | [105](/filings/0001601712-26-000016.md) | [105](/filings/0001601712-26-000033.md) | [106](/filings/0001601712-26-000043.md) |
| Long-term debt | $bn | [16.0](/filings/0001601712-25-000044.md) | [16.1](/filings/0001601712-24-000172.md) | [15.6](/filings/0001601712-24-000250.md) | [15.6](/filings/0001601712-24-000336.md) | [15.5](/filings/0001601712-26-000006.md) | [17.0](/filings/0001601712-25-000144.md) | [16.0](/filings/0001601712-25-000231.md) | [14.4](/filings/0001601712-25-000259.md) | [15.2](/filings/0001601712-26-000043.md) | [16.4](/filings/0001601712-26-000016.md) | [16.4](/filings/0001601712-26-000033.md) | [17.0](/filings/0001601712-26-000043.md) |
| Shareholders' equity | $bn | [13.9](/filings/0001601712-26-000006.md) | [15.3](/filings/0001601712-25-000259.md) | [15.5](/filings/0001601712-25-000259.md) | [16.0](/filings/0001601712-25-000259.md) | [16.6](/filings/0001601712-26-000043.md) | [16.6](/filings/0001601712-26-000043.md) | [17.0](/filings/0001601712-26-000043.md) | [17.1](/filings/0001601712-26-000043.md) | [16.8](/filings/0001601712-26-000043.md) | [16.5](/filings/0001601712-26-000043.md) | [16.9](/filings/0001601712-26-000043.md) | [16.6](/filings/0001601712-26-000043.md) |

- Cash and equivalents: us-gaap:CashAndCashEquivalentsAtCarryingValue
- Total assets: us-gaap:Assets
- Total liabilities: us-gaap:Liabilities
- Long-term debt: us-gaap:LongTermDebt
- Shareholders' equity: us-gaap:StockholdersEquity

## Cash flow

| Line item | Unit | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | 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) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Operating cash flow | $m | [2,317 d](/filings/0001601712-26-000006.md) | [2,248](/filings/0001601712-25-000144.md) | [2,484 d](/filings/0001601712-25-000231.md) | [2,763 d](/filings/0001601712-25-000259.md) | [2,353 d](/filings/0001601712-26-000006.md) | [2,200](/filings/0001601712-26-000016.md) | [2,560 d](/filings/0001601712-26-000033.md) | [2,637 d](/filings/0001601712-26-000043.md) | [2,454 d](/filings/0001601712-26-000006.md) | [2,183](/filings/0001601712-26-000016.md) | [2,420 d](/filings/0001601712-26-000033.md) | [2,498 d](/filings/0001601712-26-000043.md) |
| Dividends paid | $m | [103 d](/filings/0001601712-26-000006.md) | [102](/filings/0001601712-25-000144.md) | [100 d](/filings/0001601712-25-000231.md) | [99.0 d](/filings/0001601712-25-000259.md) | [97.0 d](/filings/0001601712-26-000006.md) | [97.0](/filings/0001601712-26-000016.md) | [114 d](/filings/0001601712-26-000033.md) | [110 d](/filings/0001601712-26-000043.md) | [106 d](/filings/0001601712-26-000006.md) | [104](/filings/0001601712-26-000016.md) | [100 d](/filings/0001601712-26-000033.md) | [110 d](/filings/0001601712-26-000043.md) |
| Share repurchases | $m | [253 d](/filings/0001601712-26-000006.md) | [300](/filings/0001601712-25-000144.md) | [305 d](/filings/0001601712-25-000231.md) | [302 d](/filings/0001601712-25-000259.md) | [101 d](/filings/0001601712-26-000006.md) | [605](/filings/0001601712-26-000016.md) | [504 d](/filings/0001601712-26-000033.md) | [870 d](/filings/0001601712-26-000043.md) | [962 d](/filings/0001601712-26-000006.md) | [900](/filings/0001601712-26-000016.md) | [878 d](/filings/0001601712-26-000033.md) | [1,100 d](/filings/0001601712-26-000043.md) |

- Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities
- Dividends paid: us-gaap:PaymentsOfDividendsCommonStock
- Share repurchases: us-gaap:PaymentsForRepurchaseOfCommonStock

## Shares

| Line item | Unit | Q1 FY2023 (2023-03-31) | Q2 FY2023 (2023-06-30) | Q3 FY2023 (2023-09-30) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Diluted shares (weighted) | millions of shares | [437](/filings/0001601712-24-000172.md) | [424](/filings/0001601712-24-000250.md) | [418](/filings/0001601712-24-000336.md) | [408](/filings/0001601712-25-000144.md) | [403](/filings/0001601712-25-000231.md) | [397](/filings/0001601712-25-000259.md) | [389](/filings/0001601712-26-000016.md) | [379](/filings/0001601712-26-000033.md) | [370](/filings/0001601712-26-000043.md) | [346](/filings/0001601712-26-000016.md) | [334](/filings/0001601712-26-000033.md) | [322](/filings/0001601712-26-000043.md) |

- Diluted shares (weighted): us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Shares outstanding: 311,404,854 at 2026-10-16, from the cover of the [10-Q filed 2026-10-22](/filings/0001601712-26-000043.md) (dei:EntityCommonStockSharesOutstanding).

Source: SEC EDGAR, XBRL company facts. Last ingested by Listed: Oct 24, 2026, 15:44 ET. No prices; not investment advice.