Synchrony Financial (SYF): financials, SEC filings and peers
Synchrony Financial (SYF) is a consumer finance company in the Financials sector of the S&P 500, headquartered in Stamford, Connecticut.
It was founded in 2003 and joined the S&P 500 on November 18, 2015.
Its fiscal year ends in December, and its shares trade on the NYSE.
In its SEC filings it is classified as “Finance Services”.
Synchrony Financial at a glance
- Revenue (12 months)
- —
- Revenue growth
- —
- Operating margin
- —
- Net income (12 months)
- $3.5B
- Free cash flow (12 months)
- —
- Cash
- $16.2B
- Debt
- $16.4B
- Diluted EPS (12 months)
- $9.78
Twelve months to June 30, 2026, from the 10-Q filed July 23, 2026.
Latest twelve months
Net income was $3.5 billion (— of revenue), 7.0% higher than a year earlier.
At the end of the period it held $16.2 billion in cash and $16.4 billion in debt, a net debt position of $239 million.
The diluted share count fell 11.9% in a year, typically the result of buybacks.
Recent SEC filings
- 8-K filed September 14, 2026 — Regulation FD disclosure
- 8-K filed August 17, 2026 — Earnings results
- 8-K filed July 31, 2026 — Other event
- 10-Q filed July 23, 2026 — quarterly report
- 8-K filed July 21, 2026 — Regulation FD disclosure
- 8-K filed July 21, 2026 — Earnings results
- 8-K filed June 29, 2026 — Executive or director change; Regulation FD disclosure
- 8-K filed June 25, 2026 — Shareholder vote results
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Questions about Synchrony Financial
Is Synchrony Financial profitable?
Yes. It earned $3.5 billion in net income over the twelve months to June 30, 2026, a net margin of —.
Does Synchrony Financial have more cash or more debt?
At June 30, 2026 it had $16.2 billion in cash and $16.4 billion in debt, so more debt than cash.
When did Synchrony Financial last file financial results?
Its latest quarterly report (10-Q) was filed with the SEC on July 23, 2026.
Which companies are similar to Synchrony Financial?
In the S&P 500, Synchrony Financial is grouped in Consumer Finance within the Financials sector. American Express (AXP), Capital One (COF) are in the same group.
Understand the numbers
Source: Synchrony Financial’s filings with the U.S. Securities and Exchange Commission (EDGAR), retrieved September 27, 2026. Figures are as reported by the company and may be restated. This page is for information only and is not financial advice.