Synchrony Financial

SYF · XNYS

CIK 1601712fmd_0JYWZPGZBEPAPM278AHA0WGKCJFinance, Insurance and Real Estate · Finance ServicesTemplate: Standard

Coverage: Jan 01, 2012 to Sep 30, 2026, 56 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total revenues	13,874	15,304	16,383	17,170	14,807	14,720	16,005	17,288	19,532	18,986
Net interest income	13,530	15,016	16,118	16,799	14,402	14,239	15,625	16,999	18,011	18,466
Provision for credit losses	3,986	5,296	5,545	4,180	5,310	726	3,375	5,965	6,733	5,225
Net interest income after provision	9,544	9,720	10,573	12,619	9,092	13,513	12,250	11,034	11,278	13,241
Non-interest income	344	288	265	371	405	481	380	289	1,521	520
Compensation and benefits	1,198	1,304	1,427	1,455	1,380	1,501	1,681	1,884	1,872	2,093
Non-interest expense	3,416	3,747	4,095	4,245	4,055	3,963	4,337	4,758	4,839	5,135
Interest expense	1,248	1,391	1,870	2,291	1,665	1,032	1,521	3,711	4,634	4,135
Income before taxes	3,570	3,324	3,644	4,887	1,797	5,503	3,962	2,904	4,553	4,621
Income tax expense	1,319	1,389	854	1,140	412	1,282	946	666	1,054	1,069
Net income from continuing operations	2,251	1,935	2,790	3,747	1,385	4,221	3,016	2,238	3,499	3,552
Net income	2,251	1,935	2,790	3,747	1,385	4,221	3,016	2,238	3,499	3,552
Net income to common shareholders	–	1,935	2,790	3,747	1,343	4,179	2,974	2,196	3,427	3,469