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How Synchrony Financial (SYF) Makes Money: A Visual Guide

Synchrony Financial (SYF) generated $19.91B in revenue, earning $3.60B in net profit (18.1% margin). Below is an interactive breakdown of how revenue flows through the income statement.

Synchrony Financial (SYF) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending (reported ).

Frequently asked questions

How much revenue does Synchrony Financial (SYF) generate?

Synchrony Financial (SYF) generated $19.91B in total revenue for TTM through Q1 2026 with a net profit margin of 18.1%.

What is Synchrony Financial (SYF) gross profit margin?

Synchrony Financial (SYF) reported a gross profit margin of 61.1% for TTM through Q1 2026, equivalent to $12.16B in gross profit. This means Synchrony Financial retains 61.1% 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 22.9% for TTM through Q1 2026, equivalent to $4.55B 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 18.1% for TTM through Q1 2026, equivalent to $3.60B 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 $9.83B in free cash flow for TTM through Q1 2026 (49.4% 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 Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.

Data & methodology

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 use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. 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 Q1 2026.