SYNCHRONY FINANCIAL (SYF) Financials
Key financial figures for SYNCHRONY FINANCIAL (Q3 2026).
Synchrony earned $892 million ($2.68 per diluted share) in Q3 2026, down from $1.1 billion ($2.86) a year earlier, as a $120 million higher provision and 10% higher expenses outweighed a lower net charge-off rate of 4.79%. Net earnings fell $185 million, or 17%, to $892 million; diluted EPS fell 6% to $2.68 from $2.86 because the diluted share count was 12.8% lower (322.4 million vs 369.9 million) after buybacks. Net interest income rose $89 million, or 2%, to $4.8 billion on higher average loan receivables and lower interest expense; net interest margin eased 12 basis points to 15.50%. Credit improved on the loss line: net charge-offs fell 4.8% to $1.24 billion and the net charge-off rate dropped 37 basis points to 4.79% from 5.16%, with 30+ day delinquencies at 4.34% (4.39% a year ago). Figures are for Q3 2026, as Synchrony Financial reported them.
- Revenue
- $4.8B
- Net Income
- $892M
- EPS
- $2.71
- Total Assets
- $122.5B
- Operating Cash Flow
- $2.5B
Recent quarters
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| Q3 FY2026 | $4.8B | $892M | $2.68 | $2.5B | |
| Q2 FY2026 | $4.7B | $885M | $2.59 | $2.4B | |
| Q1 FY2026 | $4.7B | $805M | $2.27 | $2.2B | |
| Q4 FY2025 | $4.8B | $751M | $2.04 | $2.5B | |
| Q3 FY2025 | $4.8B | $1.1B | $2.86 | $2.6B |
Recent fiscal years
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| FY2025 | $19.1B | $3.6B | $9.28 | $9.9B | |
| FY2024 | $20.8B | $3.5B | $8.55 | $9.8B | |
| FY2023 | $17.3B | $2.2B | $5.19 | $8.6B |
Frequently asked questions
What was Synchrony Financial's revenue last quarter?
Synchrony Financial reported revenue of $4.80 billion for Q3 FY2026, down 0.8% from the same period a year earlier.
Is Synchrony Financial profitable?
Yes. Synchrony Financial reported net income of $892.0 million for Q3 FY2026, a net margin of 18.59% on revenue.
How much free cash flow did Synchrony Financial generate?
Synchrony Financial generated free cash flow of $2.50 billion in Q3 FY2026, after capital expenditure.
Full income statement, balance sheet and cash flow for SYNCHRONY FINANCIAL on SentiSense, with up to forty quarters and twenty fiscal years of history.