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)
- $3.3B
- Free cash flow (12 months)
- —
- Cash
- $15.9B
- Debt
- $17.0B
- Diluted EPS (12 months)
- $9.60
Twelve months to September 30, 2026, from the 10-Q filed October 22, 2026.
Latest twelve months
Net income was $3.3 billion (— of revenue), 6.8% lower than a year earlier.
At the end of the period it held $15.9 billion in cash and $17.0 billion in debt, a net debt position of $1.1 billion.
The diluted share count fell 12.8% in a year, typically the result of buybacks.
Recent SEC filings
- 8-K filed November 10, 2026 — Regulation FD disclosure
- 10-Q filed October 22, 2026 — quarterly report
- 8-K filed October 20, 2026 — Regulation FD disclosure
- 8-K filed October 20, 2026 — Earnings results
- 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
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Questions about Synchrony Financial
Is Synchrony Financial profitable?
Yes. It earned $3.3 billion in net income over the twelve months to September 30, 2026, a net margin of —.
Does Synchrony Financial have more cash or more debt?
At September 30, 2026 it had $15.9 billion in cash and $17.0 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 October 22, 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 November 11, 2026. Figures are as reported by the company and may be restated. This page is for information only and is not financial advice.