TTM
$4.55B
YoY change
+1.5%
5Y CAGR
+20.8%
Peak year (2021)
$5.50B
Cumulative operating income
$56.12B
Operating Income history chart for Synchrony Financial (SYF) from 2011 to 2025
Latest: $4.62B
Operating Income growth chart for Synchrony Financial (SYF) from 2011 to 2025
Latest: +1.5%
Operating Income history table for Synchrony Financial (SYF) from 2011 to 2025
| 2025 | $4.62B | +1.5% | +$68.00M | ||
| 2024 | $4.55B | +56.8% | +$1.65B | ||
| 2023 | $2.90B | -26.7% | −$1.06B | ||
| 2022 | $3.96B | -28.0% | −$1.54B | ||
| 2021 | $5.50B | +206.2% | +$3.71B | ||
| 2020 | $1.80B | -63.2% | −$3.09B | ||
| 2019 | $4.89B | +34.1% | +$1.24B | ||
| 2018 | $3.64B | +9.6% | +$320.00M | ||
| 2017 | $3.32B | -6.9% | −$246.00M | ||
| 2016 | $3.57B | +1.1% | +$39.00M | ||
| 2015 | $3.53B | +4.3% | +$145.00M | ||
| 2014 | $3.39B | +7.8% | +$244.00M | ||
| 2013 | $3.14B | -6.9% | −$234.00M | ||
| 2012 | $3.38B | +12.2% | +$366.00M | ||
| 2011 | $3.01B | — | — |
- 2025$4.62B+1.5%
- 2024$4.55B+56.8%
- 2023$2.90B-26.7%
- 2022$3.96B-28.0%
- 2021$5.50B+206.2%
- 2020$1.80B-63.2%
- 2019$4.89B+34.1%
- 2018$3.64B+9.6%
- 2017$3.32B-6.9%
- 2016$3.57B+1.1%
- 2015$3.53B+4.3%
- 2014$3.39B+7.8%
- 2013$3.14B-6.9%
- 2012$3.38B+12.2%
- 2011$3.01B—
Operating Income values are taken from Synchrony Financial's reported income statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
About Operating Income at Synchrony Financial (SYF)
According to Synchrony Financial's latest reported financial statements, the company's current operating income (TTM) is $4.55B. Operating income is profit from core operations: revenue minus cost of goods sold and operating expenses (SG&A, R&D). It excludes interest, taxes, and non-operating items, so it isolates how profitable the business itself is before financing and tax decisions. Compare with EBITDA and net income.
Headline TTM above sums the four reported quarters through (reported ). Chart and table below cover the full reported history back to .
The 2025 reading of Synchrony Financial (SYF) operating income is $4.62B – edged up 1.5% year-over-year.
Synchrony Financial operating income has grown for 2 consecutive years, with a +20.8% compound annual growth rate over 2020–2025 (5 years).
Synchrony Financial operating income declined from $5.50B in 2021 to $4.62B in 2025, a 16.0% drawdown.
$5.50B stands as the all-time-high annual operating income, posted in 2021, against a low of $1.80B during 2020.
Synchrony Financial Operating Income by Year
Synchrony Financial Operating Income 2025: $4.62B
Synchrony Financial operating income in 2025 was $4.62B, edged up 1.5% from 2024.
Synchrony Financial Operating Income 2024: $4.55B
2024's operating income for Synchrony Financial came in at $4.55B, surged 56.8% from 2023.
Synchrony Financial Operating Income 2023: $2.90B
Synchrony Financial posted operating income of $2.90B in 2023, declined 26.7% below 2022.
Synchrony Financial Operating Income 2022: $3.96B
In 2022, Synchrony Financial reported operating income of $3.96B, declined 28.0% below 2021.
Synchrony Financial Operating Income 2021: $5.50B
Synchrony Financial operating income in 2021 was $5.50B.
See more financial history for Synchrony Financial (SYF).
Sector peers by Operating Income
Financial Services peers of Synchrony Financial (SYF), ranked by their latest operating income
| $72.59B | |
| $58.88B | |
| $37.70B | |
| $25.20B | |
| $23.99B | |
| $21.95B | |
| $21.85B | |
| $19.40B |
- $72.59B
- $58.88B
- $37.70B
- $25.20B
- $23.99B
- $21.95B
- $21.85B
- $19.40B
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