Net Income for Synchrony Financial (SYF)
According to Synchrony Financial's latest reported financial statements, the company's current net income (TTM) is $3.60B USD. Net income is the bottom-line profit after all expenses — cost of goods sold, operating expenses, interest, and taxes — are subtracted from revenue. It is the figure used to compute earnings per share (EPS) and is the residual available to shareholders.
Headline TTM above sums the four reported quarters through (reported ). Chart and table below cover the full reported history back to .
Currently viewingNet IncomeSwitch metric
TTM (last 4 quarters)
$3.60B
YoY change
+1.5%
5Y CAGR
+20.7%
Peak year (2021)
$4.22B
Cumulative net income
$38.95B
Net Income history chart for Synchrony Financial (SYF) from 2011 to 2025
Net Income history table for Synchrony Financial (SYF) from 2011 to 2025
| Fiscal year | Period ended | Reported | Net Income | YoY |
|---|---|---|---|---|
| 2025 | $3.55B | +1.5% | ||
| 2024 | $3.50B | +56.3% | ||
| 2023 | $2.24B | -25.8% | ||
| 2022 | $3.02B | -28.5% | ||
| 2021 | $4.22B | +204.8% | ||
| 2020 | $1.39B | -63.0% | ||
| 2019 | $3.75B | +34.3% | ||
| 2018 | $2.79B | +44.2% | ||
| 2017 | $1.94B | -14.0% | ||
| 2016 | $2.25B | +1.7% | ||
| 2015 | $2.21B | +5.0% | ||
| 2014 | $2.11B | +6.6% | ||
| 2013 | $1.98B | -6.6% | ||
| 2012 | $2.12B | +12.1% | ||
| 2011 | $1.89B | — |
Net Income values are taken from Synchrony Financial's reported income statements (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
The 2025 reading of Synchrony Financial (SYF) net income is $3.55B – edged up 1.5% year-over-year.
Synchrony Financial net income compound annual growth for the 2020–2025 (5 years) window is +20.7%, sustaining 2 straight years of year-over-year growth.
Between 2021 and 2025, Synchrony Financial net income declined 15.8%, falling from $4.22B to $3.55B.
2021 marks the peak net income at $4.22B, with the historical low of $1.39B recorded in 2020.
Among 8 Financial Services peers, Synchrony Financial (SYF) ranks 9th; the peer median for net income is $20.70B.
Synchrony Financial Net Income by Year
Synchrony Financial Net Income 2025: $3.55B
Synchrony Financial net income in 2025 was $3.55B, edged up 1.5% from 2024.
Synchrony Financial Net Income 2024: $3.50B
Synchrony Financial net income in 2024 was $3.50B, surged 56.3% from 2023.
Synchrony Financial Net Income 2023: $2.24B
Synchrony Financial net income in 2023 was $2.24B, declined 25.8% below 2022.
Synchrony Financial Net Income 2022: $3.02B
Synchrony Financial net income in 2022 was $3.02B, declined 28.5% below 2021.
Synchrony Financial Net Income 2021: $4.22B
Synchrony Financial net income in 2021 was $4.22B.
See more financial history for Synchrony Financial (SYF).
Sector peers — Net Income
Companies in the same sector as Synchrony Financial, ranked by their latest net income.
| Company | Net Income | Sector |
|---|---|---|
| Berkshire Hathaway Inc. (BRK-B) | $66.97B | Financial Services |
| JPMorgan Chase & Co. (JPM) | $57.05B | Financial Services |
| Bank of America Corporation (BAC) | $30.51B | Financial Services |
| Wells Fargo & Company (WFC) | $21.34B | Financial Services |
| Visa Inc. (V) | $20.06B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $17.18B | Financial Services |
| Morgan Stanley (MS) | $16.86B | Financial Services |
| Mastercard Incorporated (MA) | $14.97B | Financial Services |
Frequently asked questions
What is Synchrony Financial's net income?
- Latest reported net income for Synchrony Financial (SYF) is $3.60B (period ending March 31, 2026).
How has Synchrony Financial net income changed year-over-year?
- Synchrony Financial (SYF) net income changed +1.5% year-over-year on the latest annual filing.
What is the long-term growth rate of Synchrony Financial net income?
- Synchrony Financial (SYF) net income compound annual growth rate is +20.7% over the most recent 5 years available.
When did Synchrony Financial net income hit its highest annual value?
- Synchrony Financial net income reached its highest annual value of $4.22B in 2021.
What was Synchrony Financial net income in 2024?
- Synchrony Financial (SYF) net income in 2024 was $3.50B.
What was Synchrony Financial net income in 2025?
- Synchrony Financial (SYF) net income in 2025 was $3.55B.
Metrics overview
Pick a metric for charts, filings, and peers — each row shows the latest TTM or annual value with year-over-year change.
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