Synchrony Financial financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
SYF, SYF-PA, SYF-PB on NYSE
Location
Stamford, CT
Fiscal year end
31 December
Latest financial report
06 Feb 2026

Quick Takeaways

  • SYF - Synchrony Financial financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 21%.

What Changed

  • Return On Equity YoY change: <span class="text-red-600">-7.2%</span>.
  • Most recent SEC facts end date: 30 Jan 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-01-30) highlights Return On Equity 21.3%, Return On Assets 3.0%, and Operating Margin 48.5%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

43.6/100

Caution Confidence medium

Return On Equity

21%

Metric score 78.3/100

Return On Assets

3%

Metric score 12.2/100

Financial Health

Debt to Equity
6.1x

Strengths

Return On Equity and Operating Margin

Watchpoints

Return On Assets, Debt-to-equity, and NetIncomeLoss YoY

Key metrics snapshot

Return On Equity

21%

YoY: -7.2%

Industry median: -7.7% (n=122)

View history

Return On Assets

3%

YoY: +0.83%

Industry median: -10% (n=122)

View history

Operating Margin

49%

YoY:

Industry median: -110% (n=58)

View history

Debt-to-equity

6.1x

YoY: -7.2%

Industry median: 0.33x (n=76)

View history

NetIncomeLoss YoY

1.5%

YoY:

Industry median: -104% (n=105)

View history

Profitability

Metric Latest value YoY change
Return On Equity 21% -7.2%
Return On Assets 3% +0.83%
Operating Margin 49%

Financial Health

Metric Latest value YoY change
Debt-to-equity 6.1x -7.2%

Growth

Metric Latest value YoY change
NetIncomeLoss YoY 1.5%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 347,596,279 -11%
Common Stock, Shares, Outstanding 347,000,000 -11%
Common Stock, Value, Issued $1,000,000 0%
Weighted Average Number of Shares Outstanding, Basic 369,900,000 -6.7%
Weighted Average Number of Shares Outstanding, Diluted 373,900,000 -6.7%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $4,621,000,000 +1.5%
Income Tax Expense (Benefit) $1,069,000,000 +1.4%
Earnings Per Share, Basic 9.38 +8.6%
Earnings Per Share, Diluted 9.28 +8.5%
Cash and Cash Equivalents, at Carrying Value $14,973,000,000 +1.8%
Goodwill $1,363,000,000 +7%
Assets $119,095,000,000 -0.31%
Liabilities $102,329,000,000 -0.54%
Retained Earnings (Accumulated Deficit) $24,598,000,000 +14%
Stockholders' Equity Attributable to Parent $16,766,000,000 +1.1%
Liabilities and Equity $119,095,000,000 -0.31%
Common Stock, Shares Authorized 4,000,000,000 0%
Common Stock, Shares, Issued 834,000,000 0%
Common Stock, Par or Stated Value Per Share 0.001 0%
Deferred Tax Assets, Valuation Allowance $26,000,000 +30%
Deferred Tax Assets, Gross $2,991,000,000 -2.5%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $3,563,000,000 +1.6%
Preferred Stock, Shares Issued 1,250,000 0%
Preferred Stock, Shares Authorized 300,000,000 0%
Unrecognized Tax Benefits $218,000,000 +5.3%
Additional Paid in Capital $9,902,000,000 +0.5%
Preferred Stock, Shares Outstanding 1,250,000 0%
Deferred Tax Assets, Net of Valuation Allowance $2,965,000,000 -2.7%
Preferred Stock, Par or Stated Value Per Share 0.001 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY