Synchrony Financial
Synchrony Financial (NYSE: SYF) is a consumer financial services company that provides payment and financing products through programs with retailers, merchants, manufacturers, buying groups, industry associations and healthcare providers. Its offerings include private-label, dual, co-branded and general-purpose… From the company’s description.
In fiscal 2025, Synchrony Financial reported revenue of $18.99B, down 2.8% from fiscal 2024, and net income of $3.55B. Its pre-tax margin was 45.4%. Over the twelve months to Sep 30, 2026, revenue was $19.31B.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Synchrony Financial does
In the company’s own words
Synchrony Financial (NYSE: SYF) is a consumer financial services company that provides payment and financing products through programs with retailers, merchants, manufacturers, buying groups, industry associations and healthcare providers. Its offerings include private-label, dual, co-branded and general-purpose credit cards, consumer installment loans, commercial credit products and deposit accounts; customers access them through partner locations, online and mobile channels, and point-of-sale platforms. The company operates as a single business segment, organized commercially into five sales platforms: Home & Auto, Digital, Diversified & Value, Health & Wellness, and Lifestyle. In 2025, those platforms represented 26%, 30%, 22%, 17% and 5% of interest and fees on loans, respectively. Key products and brands include CareCredit, Synchrony Car Care, Synchrony HOME and Synchrony Pay Later. The company works with partners including Amazon, Lowe’s, PayPal, Sam’s Club and TJX Companies. At December 31, 2025, it had $103.8 billion in loan receivables and 70.7 million active accounts. Its website is https://investors.synchrony.com.
Company details
- Sector
- Financials
- Industry (SIC)
- Finance Services
- Headquarters
- STAMFORD, CT
- Fiscal year end
- December
- CIK
- 1601712
- SIC
- 6199
Financial performance, year by year
Fiscal 2014–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Synchrony Financial — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Superinvestors in Synchrony Financial · what they did last quarter
Share of each manager’s reported 13F portfolio. Change is in shares held, since the previous quarter.
Largest fund holders · Synchrony Financial’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Synchrony Financial’s bonds, as funds hold them
Funds report holding 12 issues of Synchrony Financial’s debt, $2.30B at market value — what funds hold, not the company’s total debt. Weighted-average coupon 5.11%, maturing 2026 to 2036.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Fund ownership is a subset of institutional 13F ownership — the two describe overlapping populations and must not be added together.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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