Synchrony Financial (SYF) Retained Earnings (2014 - 2026)
Synchrony Financial (SYF) recorded Retained Earnings of $25.97 billion in Q2 2026, up 12.7% from $23.04 billion a year earlier and up 3.0% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Retained Earnings (2014 - 2026) Analysis & Trends
At the end of FY2025, Synchrony Financial reported Retained Earnings of $24.6 billion, up 13.7% from FY2024.
- Annual Retained Earnings has increased for five straight years, with a five-year compound annual growth rate of 18.3% (FY2020 to FY2025).
- Across earlier years, Retained Earnings came in at $21.64 billion in FY2024 (+15.9%), $18.66 billion in FY2023 (+11.6%), $16.72 billion in FY2022 (+17.3%) and $14.25 billion in FY2021 (+34.1%).
- The Q2 2026 figure is the highest quarterly Retained Earnings in data going back to Q3 2014.
- On a year-over-year basis, Retained Earnings has increased for 22 consecutive quarters, with growth averaging 13.8% over the last eight quarters.
- Over the past five years, the year-over-year growth in Retained Earnings ranged from 11.6% (Q4 2023) to 35.3% (Q3 2021).
- Per Business Quant, the preceding three quarters came in at $25.21 billion (Q1 2026), $24.6 billion (Q4 2025) and $23.98 billion (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | 651.00 Mn |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 23.31 Bn |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | 2.46 Bn |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | -1.13 Bn |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | 25.97 Bn |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | -16.56 Bn |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 1.66 Bn |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | -13.21 Bn |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | 531.00 Mn |
| 10 | Federal Home Loan Mortgage | 11.90 Bn | -6.84 Bn | - | -5.14 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 |
API Access
Synchrony Financial Retained Earnings API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=retained-earnings&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "retained-earnings", "ticker": "SYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=retained-earnings&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();