---
title: "Synchrony Financial: Metrics Guide"
description: "Synchrony Financial revenue, margins, cash flow and balance sheet figures by fiscal year, taken from its SEC filings, with the ratios computed and explained."
canonical: https://www.getswoopr.com/stocks/companies/synchrony-financial/metrics/
source: "Swoopr Investment: https://www.getswoopr.com"
---

# Synchrony Financial: Financial & Operating Metrics Guide

## Direct Answer

Synchrony Financial reported revenue of $19.0 billion for the fiscal year ended December 31, 2025, net income of $3.6 billion, according to its SEC filings. Revenue fell 2.8% from the prior year.

## What Are Synchrony Financial's Key Financial Figures?

| Fiscal year | FY2025ended December 31, 2025 | FY2024ended December 31, 2024 | FY2023ended December 31, 2023 |
| --- | --- | --- | --- |
| Revenue | $19.0 billion | $19.5 billion | $17.3 billion |
| Operating income | Not reported | Not reported | Not reported |
| Operating margin | n/a | n/a | n/a |
| Net income | $3.6 billion | $3.5 billion | $2.2 billion |
| Net margin | 18.7% | 17.9% | 12.9% |
| Operating cash flow | $9.9 billion | $9.8 billion | $8.6 billion |
| Capital expenditures | Not reported | Not reported | Not reported |
| Free cash flow | Not reported | Not reported | Not reported |

![Bar chart of Synchrony Financial revenue, net income for fiscal 2023 to 2025. In fiscal 2025, revenue was $19.0 billion and net income $3.6 billion.](https://www.getswoopr.com/images/charts/synchrony-financial-metrics-revenue-profit.webp)
*Synchrony Financial revenue, operating income and net income by fiscal year, from the figures in the table above. Select the chart to open it full size.*

![Line chart of Synchrony Financial net margin for fiscal 2023 to 2025. In fiscal 2025, net margin was 18.7%.](https://www.getswoopr.com/images/charts/synchrony-financial-metrics-margins.webp)
*Synchrony Financial operating margin and net margin by fiscal year: operating income and net income as a share of revenue. Select the chart to open it full size.*

## What Does Synchrony Financial's Balance Sheet Show?

| Cash and cash equivalents | $15.0 billion |
| --- | --- |
| Long-term debt | $15.2 billion |
| Total assets | $119 billion |
| Total liabilities | $102 billion |
| Shareholders' equity | $16.8 billion |
| Current ratio | n/a |

Balance sheet values are as of the end of fiscal 2025. Income statement figures describe a whole year; balance sheet figures describe a single day, so the two answer different questions.

## Where These Numbers Come From

Every figure on this page is a value Synchrony Financial reported in its Form 10-K filed February 6, 2026 (accession 0001601712-26-000006), read from the SEC's Financial Statement Data Sets. Ratios are computed from those reported values. The filing itself always takes precedence over this summary, and a later amendment can change a figure.

Synchrony Financial is a bank, so revenue here is net interest income plus noninterest income, the way banks present total revenue; banks do not report revenue under the tag an industrial company uses. This page is educational and describes reported history only; it is not a forecast or a recommendation.

## Frequently Asked Questions

### What was Synchrony Financial's revenue in fiscal 2025?

Synchrony Financial reported revenue of $19.0 billion for the fiscal year ended December 31, 2025, according to its SEC filings.

### What is Synchrony Financial's operating margin?

Synchrony Financial did not report operating income under the standard tag for fiscal 2025, so Swoopr does not compute an operating margin; the income statement in its 10-K shows how it presents profit.

### How much free cash flow did Synchrony Financial generate?

Synchrony Financial did not report both operating cash flow and capital expenditures under the standard tags for fiscal 2025, so free cash flow is not computed here.

## References

- [SEC EDGAR: Synchrony Financial Form 10-K filed February 6, 2026](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm)
- [SEC EDGAR: Synchrony Financial annual and quarterly filings](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1601712&type=10-K)
- [SEC: EDGAR application programming interfaces (XBRL frames and submissions data)](https://www.sec.gov/search-filings/edgar-application-programming-interfaces)
- [SEC: Financial Statement Data Sets](https://www.sec.gov/data-research/sec-markets-data/financial-statement-data-sets)

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- [Synchrony Financial company dossier](https://www.getswoopr.com/stocks/companies/synchrony-financial/)
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- [Synchrony Financial peer comparison](https://www.getswoopr.com/stocks/companies/synchrony-financial/competitors/)
- [Synchrony Financial business model and revenue mix](https://www.getswoopr.com/stocks/companies/synchrony-financial/business-model/)
- [Fundamental analysis guides](https://www.getswoopr.com/learn/fundamental-analysis/)

**[Swoopr Editorial Team](https://www.getswoopr.com/authors/swoopr-editorial-team/)**

Swoopr's editorial team produces independent investment education content reviewed for accuracy and clarity. We do not provide personalized financial advice. See our [editorial policy](https://www.getswoopr.com/legal/editorial-policy/) and [corrections policy](https://www.getswoopr.com/legal/corrections-policy/).