Synchrony Financial (SYF) Retained Earnings (2014 - 2026)
Synchrony Financial's (SYF) quarterly Retained Earnings came in at $26.0 billion in Q2 2026, up 12.73% on a YoY basis from $23.0 billion in Q2 2025, and up 3.01% quarter-over-quarter from $25.2 billion in Q1 2026.
Analysis
Synchrony Financial (SYF) Retained Earnings (2014 - 2026) Analysis & Trends
Synchrony Financial (SYF) has reported Retained Earnings for 13 consecutive years, with $26.0 billion the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Retained Earnings rose 12.73% year-over-year to $26.0 billion; the trailing twelve-month figure through Jun 2026 stood at $26.0 billion (up 12.73% YoY), and the FY2025 full-year result was $24.6 billion, up 13.7% from the prior year.
- Retained Earnings rose to $26.0 billion in Q2 2026 per SYF's latest filing, from $25.2 billion in the prior quarter.
- Across five years, Retained Earnings topped out at $26.0 billion in Q2 2026 and bottomed at $15.0 billion in Q1 2022.
- Historically, Retained Earnings has averaged $20.2 billion across 5 years, with a median of $20.0 billion in 2024.
- The sharpest annual moves came in 2022 and 2023: Retained Earnings soared 30.8% in 2022, then grew 11.64% in 2023.
- Over 5 years, Retained Earnings stood at $16.7 billion in 2022, then increased by 11.64% to $18.7 billion in 2023, then increased by 15.93% to $21.6 billion in 2024, then grew by 13.7% to $24.6 billion in 2025, then gained by 5.57% to $26.0 billion in 2026.
- According to Business Quant data, Retained Earnings over the past three periods registered $26.0 billion, $25.2 billion, and $24.6 billion for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 25.97 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 6.65 Bn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 1.83 Bn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 1.08 Bn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 5.04 Bn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 2.20 Bn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 1.78 Bn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | - |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 739.40 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 4.56 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 25.97 Bn |
| Mar 31, 2026 | 25.21 Bn |
| Dec 31, 2025 | 24.60 Bn |
| Sep 30, 2025 | 23.98 Bn |
| Jun 30, 2025 | 23.04 Bn |
| Mar 31, 2025 | 22.21 Bn |
| Dec 31, 2024 | 21.64 Bn |
| Sep 30, 2024 | 20.98 Bn |
| Jun 30, 2024 | 20.31 Bn |
| Mar 31, 2024 | 19.79 Bn |
| Dec 31, 2023 | 18.66 Bn |
| Sep 30, 2023 | 18.34 Bn |
| Jun 30, 2023 | 17.83 Bn |
| Mar 31, 2023 | 17.37 Bn |
| Dec 31, 2022 | 16.72 Bn |
| Sep 30, 2022 | 16.25 Bn |
| Jun 30, 2022 | 15.68 Bn |
| Mar 31, 2022 | 15.00 Bn |
| Dec 31, 2021 | 14.25 Bn |
| Sep 30, 2021 | 13.56 Bn |