Synchrony Financial (SYF) Earnings History
Elite Compounder14 years of earnings data (2012–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Synchrony Financial (SYF) Earnings Overview
As of July 8, 2026, Synchrony Financial (SYF) reported trailing twelve-month net income of $3.60B, reflecting +8.7% year-over-year growth. The company earned $10.40 per diluted share over the past four quarters, with a net profit margin of 18.6%.
Looking at the long-term picture, SYF's 5-year EPS compound annual growth rate (CAGR) stands at +32.6%, indicating exceptional earnings growth. The company achieved its highest annual net income of $4.22B in fiscal 2021.
Synchrony Financial maintains industry-leading profitability with a gross margin of 51.0%, operating margin of 24.2%, and net margin of 18.6%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including COF ($3.22B net income, 3.5% margin), BFH ($561M net income, 11.0% margin), ALLY ($1.40B net income, 7.0% margin), SYF has outperformed on profitability metrics. Compare SYF vs COF →
SYF Earnings vs Peers
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SYF Historical Earnings Data (2012–2025)
14 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $3.55B | +1.5% | $4.62B | $9.29 | 18.6% | 24.2% |
| 2024 | $3.50B | +56.3% | $4.55B | $8.55 | 16.9% | 21.9% |
| 2023 | $2.24B | -25.8% | $2.90B | $5.19 | 12.9% | 16.7% |
| 2022 | $3.02B | -28.5% | $3.96B | $6.15 | 22.9% | 30.0% |
| 2021 | $4.22B | +204.8% | $5.50B | $7.34 | 37.6% | 49.0% |
| 2020 | $1.39B | -63.0% | $1.80B | $2.27 | 10.8% | 14.0% |
| 2019 | $3.75B | +34.3% | $4.89B | $5.56 | 24.0% | 31.3% |
| 2018 | $2.79B | +44.2% | $3.64B | $3.74 | 18.4% | 24.0% |
| 2017 | $1.94B | -14.0% | $3.32B | $2.42 | 14.1% | 24.2% |
| 2016 | $2.25B | +1.7% | $3.57B | $2.71 | 18.4% | 29.2% |
| 2015 | $2.21B | +5.0% | $3.53B | $2.65 | 20.3% | 32.4% |
| 2014 | $2.11B | +6.6% | $3.39B | $2.78 | 20.8% | 33.4% |
| 2013 | $1.98B | -6.6% | $3.14B | $2.38 | 21.0% | 33.3% |
| 2012 | $2.12B | - | $3.38B | $2.55 | 24.1% | 38.3% |
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SYF — Frequently Asked Questions
Quick answers to the most common questions about buying SYF stock.
What is SYF earnings per share (EPS)?
SYF trailing twelve-month (TTM) diluted EPS is $10.40, reflecting +8.7% year-over-year growth. The 5-year EPS CAGR is +32.6%. Complete EPS history from 2012 to 2025 is available in the table on this page.
What is Synchrony Financial's net income?
Synchrony Financial (SYF) trailing twelve-month net income is $3.6B as of 2025. Earnings grew +8.7% year-over-year. Synchrony Financial has been profitable for 14 consecutive years.
Is SYF profitable?
Yes, SYF is profitable with a TTM net income of $3.6B and a net profit margin of +18.6%. Synchrony Financial has generated profits for 14 consecutive years.
What is SYF's earnings growth rate?
SYF compound annual EPS growth rates (CAGR): 1-Year: +8.7%, 3-Year: +14.7%, 5-Year: +32.6%, 10-Year: +13.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2012 to 2025.
What are SYF's profit margins?
Synchrony Financial net profit margin is +18.6%, operating margin is +24.2%, and gross margin is +51.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +21.3%.
Is SYF growing earnings?
SYF is growing earnings steadily. YoY EPS growth of +8.7% is consistent with the 5-year CAGR of +32.6%. TTM net income is $3.6B.
What was SYF's best earnings year?
Synchrony Financial's highest annual net income on record is $4.2B, achieved in fiscal year 2021. Earnings history on this page spans 2012 to 2025 and includes all annual and quarterly figures.
What were SYF's earnings last quarter?
SYF's most recent reported quarter was Q1 2026. Net income was $805M with diluted EPS of $2.27. For a full breakdown of all quarters, see the quarterly earnings table on this page.