How Synchrony Financial (SYF) Makes Money: A Visual Guide
Synchrony Financial (SYF) generated $19.12B in revenue (TTM through Q4 2025), earning $3.55B in net profit (18.6% margin). Below is an interactive breakdown of how revenue flows through the income statement.
Synchrony Financial (SYF) Income Statement Flow
Frequently asked questions
How much revenue does Synchrony Financial (SYF) generate?
- Synchrony Financial (SYF) generated $19.12B in total revenue for TTM through Q4 2025 with a net profit margin of 18.6%.
What is Synchrony Financial (SYF) gross profit margin?
- Synchrony Financial (SYF) reported a gross profit margin of 51% for TTM through Q4 2025, equivalent to $9.76B in gross profit. This means Synchrony Financial retains 51% of each revenue unit after direct costs of production.
What is Synchrony Financial (SYF) operating profit margin?
- Synchrony Financial (SYF) reported an operating profit margin of 24.2% for TTM through Q4 2025, equivalent to $4.62B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Synchrony Financial (SYF) net profit margin?
- Synchrony Financial (SYF) reported a net profit margin of 18.6% for TTM through Q4 2025, equivalent to $3.55B in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
What is Synchrony Financial (SYF) free cash flow?
- Synchrony Financial (SYF) generated $9.85B in free cash flow for TTM through Q4 2025 (51.5% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Synchrony Financial (SYF) effective tax rate?
- Synchrony Financial (SYF) had an effective tax rate of 23.1% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
About this data
- What is a Sankey diagram?
- A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
- How is the data calculated?
- We use the income statement from company filings. For TTM (Trailing Twelve Months), we sum the last four quarters. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
- When was this data last updated?
- Based on company filings through TTM through Q4 2025.