SYF, SYF-PA, SYF-PB · CIK 0001601712 · operating
# Synchrony Financial
Synchrony Financial is a consumer financial services company providing credit products and deposit services primarily to U.S. consumers and merchants. The company's core offerings include private label and co-branded credit cards, installment loans, and healthcare financing solutions under the CareCredit and Walgreens brands. It also provides debt cancellation products and payment solutions across various retail, healthcare, and specialty industries including apparel, sporting goods, music, automotive, and luxury segments.
The company distributes its credit products through partnerships with national and regional retailers, local merchants, manufacturers, and healthcare service providers. It serves customers across digital, health and wellness, retail, home, auto, telecommunications, and pet industries. On the deposit side, Synchrony offers savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and sweep deposits through digital and print channels, as well as through third-party firms.
Headquartered in Stamford, Connecticut, Synchrony operates with approximately 20,000 full-time employees. The company was founded in 1932 and is incorporated in New York. It trades on the NYSE under the ticker SYF.
Fiscal years are as reported by the company and may not align with the calendar year. For example, Apple's FY 2024 ends in September 2024.
| Fiscal Year | EPS Diluted | EPS Basic | YoY | |
|---|---|---|---|---|
| 2025 | $9.28 | $9.38 | +8.5% | |
| 2024 | $8.55 | $8.64 | +64.7% | |
| 2023 | $5.19 | $5.21 | -15.6% | |
| 2022 | $6.15 | $6.19 | -16.2% | |
| 2021 | $7.34 | $7.40 | +223.3% | |
| 2020 | $2.27 | $2.28 | +97.4% | |
| 2019 | $1.15 | $1.15 | +5.5% | |
| 2018 | $1.09 | $1.09 | +122.4% | |
| 2017 | $0.49 | $0.49 | -30.0% | |
| 2016 | $0.70 | $0.70 | +7.7% | |
| 2015 | $0.65 | $0.66 | +1.6% | |
| 2014 | $0.64 | $0.64 | — |