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 | FY2025 ended December 31, 2025 | FY2024 ended December 31, 2024 | FY2023 ended 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 |
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.