Operating Income for Synchrony Financial (SYF)
According to Synchrony Financial's latest reported financial statements, the company's current operating income (TTM) is $4.55B USD. 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 .
Currently viewingOperating IncomeSwitch metric
TTM (last 4 quarters)
$4.55B
YoY change
+1.5%
5Y CAGR
+20.8%
Peak year (2021)
$5.50B
Cumulative operating income
$55.21B
Operating Income history chart for Synchrony Financial (SYF) from 2011 to 2025
Operating Income history table for Synchrony Financial (SYF) from 2011 to 2025
| Fiscal year | Period ended | Reported | Operating Income | YoY |
|---|---|---|---|---|
| 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 (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) 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 (SYF) sits 9th of 8 Financial Services peers we track on this metric, against a peer median of $24.60B.
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
Synchrony Financial operating income in 2024 was $4.55B, surged 56.8% from 2023.
Synchrony Financial Operating Income 2023: $2.90B
Synchrony Financial operating income in 2023 was $2.90B, declined 26.7% below 2022.
Synchrony Financial Operating Income 2022: $3.96B
Synchrony Financial operating income in 2022 was $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 — Operating Income
Companies in the same sector as Synchrony Financial, ranked by their latest operating income.
| Company | Operating Income | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $72.59B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $59.54B | Financial Services |
| Bank of America Corporation (BAC) | $37.70B | Financial Services |
| Wells Fargo & Company (WFC) | $25.20B | Financial Services |
| Visa Inc. (V) | $23.99B | Financial Services |
| Morgan Stanley (MS) | $21.95B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $21.85B | Financial Services |
| Mastercard Incorporated (MA) | $19.40B | Financial Services |
Frequently asked questions
What is Synchrony Financial's operating income?
- Latest reported operating income for Synchrony Financial (SYF) is $4.55B (period ending March 31, 2026).
How has Synchrony Financial operating income changed year-over-year?
- Synchrony Financial (SYF) operating income changed +1.5% year-over-year on the latest annual filing.
What is the long-term growth rate of Synchrony Financial operating income?
- Synchrony Financial (SYF) operating income compound annual growth rate is +20.8% over the most recent 5 years available.
When did Synchrony Financial operating income hit its highest annual value?
- Synchrony Financial operating income reached its highest annual value of $5.50B in 2021.
What was Synchrony Financial operating income in 2024?
- Synchrony Financial (SYF) operating income in 2024 was $4.55B.
What was Synchrony Financial operating income in 2025?
- Synchrony Financial (SYF) operating income in 2025 was $4.62B.
Metrics overview
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