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Synchrony Financial

Synchrony Financial
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Recent & upcoming events

Aug 5
Ex-dividend Time TBD
Ex-dividend (predicted) $0.3
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Jul 21
Earnings 6:00
Q2 earnings
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Apr 21
Earnings Time TBD
Q1 earnings
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Jan 27
Earnings Time TBD
Full-year earnings
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2025
Oct 15
Earnings Time TBD
Q3 earnings
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Jul 22
Earnings Time TBD
Q2 earnings
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Apr 22
Earnings Time TBD
Q1 earnings
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Jan 28
Earnings Time TBD
Full-year earnings
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2024
Oct 16
Earnings Time TBD
Q3 earnings
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Jul 17
Earnings Time TBD
Q2 earnings
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Oct 13
Est.
Earnings 6:00 approx.
Q3 earnings (predicted)
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Nov 5
Est.
Ex-dividend Time TBD
Ex-dividend (predicted) $0.3
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2027
Jan 12
Est.
Earnings 6:00 approx.
FY earnings (predicted)
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Jun 25
Est.
Shareholder meeting Time TBD
Annual meeting (est.)
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KPI highlights

FY25
Revenue $14.98B YoY -7.1%
Operating income —
Net income $3.55B YoY +1.5%
EPS $9.38 YoY +8.6%
P/E 7.5× Cheap Rough PER guide (a simplified band — fair value varies by industry and growth stage): <10 Cheap / 10–15 Slightly cheap / 15–22 Fair / 22–35 Slightly rich / ≥35 Rich
ROE 21.2% Equity ratio 14% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Quarterly fundamentals

Income & cash flow Unit: $1M
Quarter FY24 Q4FY25 Q1FY25 Q2FY25 Q3FY25 Q4FY26 Q1
Revenue ——3,6473,8233,7933,698
Operating income ——————
Net income ——9671,077751805
Operating CF 7747571,1761,3407641,160

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2014–2026）

機関投資家 41.1%未開示 58.9%2014201620182020202220242026
機関投資家 41.1%未開示 58.9%14Q315Q316Q317Q318Q319Q320Q321Q322Q323Q324Q325Q426Q1
機関投資家アクティビストその他未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

Capital World Inve 4.1%Capital World InvestorsBlackRock, Inc. 3.7%BlackRock, Inc.VANGUARD CAPITAL M 2.7%VANGUARD CAPITAL MANAGEMENT LLCVANGUARD PORTFOLIO 2.2%VANGUARD PORTFOLIO MANAGEMENT LLCSTATE STREET CORP 2.1%STATE STREET CORPBANK OF AMERICA CO 1.9%BANK OF AMERICA CORP /DE/GEODE CAPITAL MANA 1.2%GEODE CAPITAL MANAGEMENT, LLCGOLDMAN SACHS GROU 1.2%GOLDMAN SACHS GROUP INCPAR CAPITAL MANAGE 0.9%PAR CAPITAL MANAGEMENT INCDIMENSIONAL FUND A 0.7%DIMENSIONAL FUND ADVISORS LP2014201620182020202220242026
Capital World Inve 4.1%Capital World InvestorsBlackRock, Inc. 3.7%BlackRock, Inc.VANGUARD CAPITAL M 2.7%VANGUARD CAPITAL MANAGEMENT LLCVANGUARD PORTFOLIO 2.2%VANGUARD PORTFOLIO MANAGEMENT LLCSTATE STREET CORP 2.1%STATE STREET CORPBANK OF AMERICA CO 1.9%BANK OF AMERICA CORP /DE/GEODE CAPITAL MANA 1.2%GEODE CAPITAL MANAGEMENT, LLCGOLDMAN SACHS GROU 1.2%GOLDMAN SACHS GROUP INCPAR CAPITAL MANAGE 0.9%PAR CAPITAL MANAGEMENT INCDIMENSIONAL FUND A 0.7%DIMENSIONAL FUND ADVISORS LP14Q315Q316Q317Q318Q319Q320Q321Q322Q323Q324Q325Q426Q1

Top shareholders — actual figures (as of 2026)

Holder Shares held Ratio Source
その他機関投資家（13F 886社） 105,950,005 12.7% 13F
Capital World Investors 33,796,907 4.1% 13F
BlackRock, Inc. 30,479,074 3.7% 13F
VANGUARD CAPITAL MANAGEMENT LLC 22,597,816 2.7% 13F
VANGUARD PORTFOLIO MANAGEMENT LLC 18,504,717 2.2% 13F
STATE STREET CORP 17,724,629 2.1% 13F
BANK OF AMERICA CORP /DE/ 16,064,618 1.9% 13F
GEODE CAPITAL MANAGEMENT, LLC 9,948,699 1.2% 13F
GOLDMAN SACHS GROUP INC 9,594,463 1.2% 13F
PAR CAPITAL MANAGEMENT INC 7,612,137 0.9% 13F
DIMENSIONAL FUND ADVISORS LP 6,039,753 0.7% 13F
Invesco Ltd. 5,630,774 0.7% 13F
FIRST TRUST ADVISORS LP 5,338,110 0.6% 13F
NORDEA INVESTMENT MANAGEMENT AB 5,252,464 0.6% 13F
NORTHERN TRUST CORP 5,007,461 0.6% 13F
AMERIPRISE FINANCIAL INC 4,837,821 0.6% 13F
HARRIS ASSOCIATES L P 4,659,001 0.6% 13F
MORGAN STANLEY 4,561,764 0.5% 13F
AQR CAPITAL MANAGEMENT LLC 4,485,660 0.5% 13F
ASSETMARK, INC 4,338,604 0.5% 13F
UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC 4,261,003 0.5% 13F
Allianz Asset Management GmbH 4,182,101 0.5% 13F
CHARLES SCHWAB INVESTMENT MANAGEMENT INC 3,065,215 0.4% 13F
AustralianSuper Pty Ltd 2,893,228 0.3% 13F
Legal & General Group Plc 2,889,558 0.3% 13F
Robeco Institutional Asset Management B.V. 2,706,197 0.3% 13F

Source：SEC EDGAR（DEF 14A・13D/G・13F）　Classification inferred from disclosed names

F-Score (Piotroski)

Banks, insurers, and other financial institutions are excluded from this score, as their financial structure differs fundamentally from typical operating companies.

Fact checklist

FY25
Equity ratio 14.1%
Current ratio —
Years of positive operating CF 12 of last 12 yrs
Payout ratio 12%
Latest fiscal year result Profit (net income $3.55B)

Performance history

Last 10 years
$0.0B$4.0B$8.1B$12.1B$16.1B FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25

Income & assets

Unit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Revenue ————11,16210,19211,67413,62716,12514,981
Operating income ——————————
Ordinary income ——————————
Net income 2,2511,9352,7903,7471,3854,2213,0162,2383,4993,552
Total assets 90,20795,808106,792104,82695,94895,748104,564117,479119,463119,095
Equity 14,19614,23414,67815,08812,70113,65512,87313,90316,58016,766

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

Unit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
EPS $2.71$2.43$3.76$5.59$2.28$7.40$6.19$5.21$8.64$9.38
ROE 15.9%13.6%19.0%24.8%10.9%30.9%23.4%16.1%21.1%21.2%
Operating CF 6,5118,5759,3428,9907,4877,0996,6948,5939,8489,851
Investing CF -13,364-9,542-19,036-261-498-4,814-10,234-14,234-8,903-4,854
Financing CF 3,8053,1168,253-6,458-8,031-5,2045,2849,632-611-4,735
FCF ————7,4877,0996,6948,5939,8489,851

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: SEC EDGAR (10-K, etc.) (fetched 2026-07-03) *Some metrics supplemented from additional sources

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Data provided by Twelve Data