NYSE: SYF
Synchrony Financial Earnings Dates, Reports, Calls

Synchrony Financial earnings were $3.5B for the trailing 12 months ending Dec 31, 2025, with 8.6% growth year over year. The latest SYF earnings report on Dec 31, 2025 announced Q4 2025 earnings of $730.0M, down 30.9% from last quarter. For the last reported fiscal year 2025 ending Dec 31, 2025, SYF reported annual earnings of $3.5B, with 1.2% growth.

SYF past earnings growth

How has SYF's earnings growth performed historically?

Company
8.56%
Industry
7.67%
Market
87.17%
SYF's earnings have grown faster... subscribe to Premium to read more.
Earnings Growth vs Industry Performance
SYF's earnings have grown faster... subscribe to Premium to read more.
Earnings Growth vs Market Performance
SYF's earnings growth is slowing... subscribe to Premium to read more.
Accelerating Earnings Growth Performance

SYF earnings history

Current Revenue
$9.8B
Current Earnings
$3.5B
Current Profit Margin
35.6%
SYF's has demonstrated consistent long-term... subscribe to Premium to read more.
Long-term Earnings Growth Trend Performance

SYF Return on Equity

Current Company
20.6%
Current Industry
82.9%
Current Market
28.9%
SYF's Return on Equity (20.6%)... subscribe to Premium to read more.
High Return on Equity Performance

SYF Return on Assets

Current Company
2.9%
Current Industry
16.9%
SYF is generating lower Return... subscribe to Premium to read more.
Above Average Return on Assets Performance

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SYF Return on Capital Employed

Current Company
0%
Current Industry
32%

SYF vs Credit Service Stocks

TickerEBITDAEarningsY/Y EarningsEPS
SYF$5.05B$3.47B+32.69%$9.38
SOFI$760.01M$481.32M-8.70%$0.42
IXN/A$3.06BN/AN/A
ALLY$2.34B$742.00M-3.73%$2.39
FCFS$999.78M$330.38M+23.75%$7.46

Synchrony Financial Earnings Reports & History FAQ

What were Synchrony Financial's earnings last quarter?

On SYF's earnings call on Invalid Date, Synchrony Financial (NYSE: SYF) reported Q4 2025 earnings per share (EPS) of $2.09, up 8.29% year over year. Total SYF earnings for the quarter were $730.00 million. In the same quarter last year, Synchrony Financial's earnings per share (EPS) was $1.93.

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Is Synchrony Financial profitable or losing money?

As of the last Synchrony Financial earnings report, Synchrony Financial is currently profitable. Synchrony Financial's net profit (also called net income) for the twelve months ending Dec 31, 2025 was $3.47 billion, a 1.23% increase year over year.

What was SYF's earnings growth in the past year?

As of Synchrony Financial's earnings date in Invalid Date, Synchrony Financial's earnings has grown 8.56% year over year. This is 0.9 percentage points higher than the US Credit Services industry earnings growth rate of 7.67%. SYF earnings in the past year totalled $3.47 billion.
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