Here are the 10-K annual reports from Synchrony Financial (SYF) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow SYF and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SYF filings page.
Synchrony Financial reports steady 2025 performance with net earnings of $3.6 billion, up slightly from 2024, as lower credit costs offset higher profit sharing with retail partners. Net interest income rose to $18.5 billion and net interest margin improved to 15.24%.
Loan receivables ended the year at $103.8 billion with purchase volume of $182.3 billion. Credit quality strengthened, with net charge-offs falling to 5.65% of average loans and over-30-day delinquencies at 4.49%. The allowance for credit losses stood at 10.06% of loans.
Deposits of $81.1 billion funded 84% of total funding, supporting a 3.0% return on assets and 21.1% return on equity. The company repurchased $2.9 billion of stock and paid common dividends of $1.15 per share while renewing and adding major partners such as Amazon, Lowe’s and Walmart’s OnePay program.