Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $2.25B | $1.94B | $2.79B | $3.75B | $1.39B | $4.22B | $3.02B | $2.24B | $3.50B | $3.55B |
| EPS (diluted) | $2.71 | $2.42 | $3.74 | $5.56 | $2.27 | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $6.51B | $8.57B | $9.34B | $8.99B | $7.49B | $7.10B | $6.69B | $8.59B | $9.85B | $9.85B |
| Share buybacks | $476M | $1.50B | $1.87B | $3.62B | $985M | $2.88B | $3.32B | $1.11B | $1.01B | $2.94B |
| Dividends paid | $214M | $446M | $534M | $581M | $520M | $500M | $434M | $406M | $398M | $427M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $9.32B | $11.6B | $9.40B | $12.1B | $11.5B | $8.34B | $10.3B | $14.3B | $14.7B | $15.0B |
| Total assets | $90.2B | $95.8B | $107B | $105B | $95.9B | $95.7B | $105B | $117B | $119B | $119B |
| Total liabilities | $76.0B | $81.6B | $92.1B | $89.7B | $83.2B | $82.1B | $91.7B | $104B | $103B | $102B |
| Long-term debt | $20.1B | $20.8B | $24.0B | $19.9B | $15.8B | $14.5B | $14.2B | $16.0B | $15.5B | $15.2B |
| Shareholders' equity | $14.2B | $14.2B | $14.7B | $15.1B | $12.7B | $13.7B | $12.9B | $13.9B | $16.6B | $16.8B |
| Retained earnings | $5.33B | $6.81B | $8.99B | $12.1B | $10.6B | $14.2B | $16.7B | $18.7B | $21.6B | $24.6B |
| Shares (wtd avg diluted) | 832M | 800M | 747M | 674M | 591M | 569M | 483M | 424M | 401M | 374M |
Every figure is extracted from Synchrony Financial’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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