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added 04-23-2026
Synchrony Financial Retained Earnings 2011-2026 | SYF
Retained earnings — this is the portion of a company’s net profit that has not been distributed to shareholders as dividends but remains at the company’s disposal for future use. It is also referred to as retained income or accumulated earnings.Possible uses include
- reinvestment in development (R&D, equipment, marketing)
- debt repayment
- acquisition of other companies
- creation of reserves for the future
A high level of retained earnings indicates that the company is in a growth phase, accumulating capital and prioritizing reinvestment over dividend payouts. Conversely, low or negative retained earnings may suggest either a generous dividend policy, in which all profits are distributed to shareholders, or ongoing losses that reduce the overall financial result.
The presence of retained earnings does not indicate that the company has available cash — it is solely an accounting figure reflecting the accumulated portion of net profit remaining after dividends have been paid. Therefore, it is important for investors to analyze not only the amount of retained earnings, but also how effectively it is used to develop the business, reduce debt, or build financial stability.
Annual Retained Earnings Synchrony Financial
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 24.6 B | 21.6 B | 18.7 B | 16.7 B | 14.2 B | 10.6 B | 12.1 B | 8.99 B | 6.81 B | 5.33 B | 3.29 B | 1.08 B | - | - | - |
All numbers in USD currency
Indicator range from annual reports
| Maximum | Minimum | Average |
|---|---|---|
| 24.6 B | 1.08 B | 12 B |
Quarterly Retained Earnings Synchrony Financial
| 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 25.2 B | 24.6 B | 24 B | 23 B | 22.2 B | 21.6 B | 21 B | 20.3 B | 19.8 B | 18.7 B | 18.3 B | 17.8 B | 17.4 B | 16.7 B | 16.3 B | 15.7 B | 15 B | 14.2 B | 13.6 B | 12.6 B | 14.2 B | 10.6 B | 10.6 B | 10.6 B | 10.6 B | 12.1 B | 12.1 B | 12.1 B | 12.1 B | 8.99 B | 8.99 B | 8.99 B | 8.99 B | 6.81 B | 6.81 B | 6.81 B | 6.81 B | 5.33 B | 5.33 B | 5.33 B | 5.33 B | 3.29 B | 3.29 B | 3.29 B | 3.29 B | 1.08 B | 1.08 B | 1.08 B | 1.08 B | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Indicator range from quarterly reporting
| Maximum | Minimum | Average |
|---|---|---|
| 25.2 B | 1.08 B | 11.9 B |
Retained Earnings of other stocks in the Payment services industry
| Issuer | Retained Earnings | Price | % 24h | Market Cap | Country | |
|---|---|---|---|---|---|---|
 |
Barings BDC, Inc.
BBDC
|
-310 M | $ 9.18 | -0.43 % | $ 440 M |  USA |
 |
Qiwi plc
QIWI
|
14.6 B | - | - | - |  Cyprus |
 |
FinVolution Group
FINV
|
10.2 B | $ 5.21 | 2.16 % | $ 6.71 B | USA |
 |
Pintec Technology Holdings Limited
PT
|
-2.53 B | - | - | $ 671 M |  China |
 |
Jianpu Technology
JT
|
-1.28 B | - | 7.78 % | $ 331 M | - |
 |
LexinFintech Holdings Ltd.
LX
|
6.6 B | $ 2.14 | 2.92 % | $ 709 M | China |
 |
Goldman Sachs BDC, Inc.
GSBD
|
-5.35 M | $ 10.16 | 0.4 % | $ 410 M | USA |
 |
Elevate Credit
ELVT
|
-55.2 M | - | - | $ 58.8 M | USA |
 |
Oaktree Specialty Lending Corporation
OCSL
|
-574 M | $ 12.37 | 1.69 % | $ 1.74 B | USA |
 |
CURO Group Holdings Corp.
CURO
|
203 M | - | -6.4 % | $ 7.82 M | USA |
 |
Capital One Financial Corporation
COF
|
65.2 B | $ 193.64 | 2.1 % | $ 105 B | USA |
 |
Alliance Data Systems Corporation
ADS
|
4.83 B | - | -1.74 % | $ 2.84 B | USA |
 |
Xiaobai Maimai Inc.
HX
|
-1.43 M | - | -10.24 % | $ 37.1 M | China |
 |
Visa
V
|
16.1 B | $ 319.65 | -0.76 % | $ 602 B | USA |
 |
Dragon Victory International Limited
LYL
|
-5.9 M | - | -2.89 % | $ 13.5 M | China |
 |
Marlin Business Services Corp.
MRLN
|
120 M | - | -0.17 % | $ 276 M | USA |
 |
Owl Rock Capital Corporation
ORCC
|
-198 M | - | -0.15 % | $ 5.25 B | USA |
 |
Santander Consumer USA Holdings Inc.
SC
|
5.28 B | - | 1.44 % | $ 13 B | USA |
 |
FlexShopper
FPAY
|
-35.8 M | - | 2.7 % | $ 4.12 M | USA |
 |
Atlanticus Holdings Corporation
ATLC
|
506 M | $ 76.89 | -0.9 % | $ 1.16 B | USA |
 |
Federal Agricultural Mortgage Corporation
AGM
|
1.05 B | $ 182.27 | 6.42 % | $ 1.99 B | USA |
 |
FirstCash
FCFS
|
1.67 B | $ 225.15 | 0.19 % | $ 9.98 B | USA |
 |
EZCORP
EZPW
|
613 M | $ 33.23 | -0.55 % | $ 1.91 B | USA |
 |
Senmiao Technology Limited
AIHS
|
-45.1 M | $ 1.17 | -0.84 % | $ 12.3 M | China |
 |
World Acceptance Corporation
WRLD
|
173 M | $ 147.41 | 4.44 % | $ 800 M | USA |
 |
ORIX Corporation
IX
|
2.74 T | $ 34.06 | 2.5 % | $ 42.1 B |  Japan |
 |
Medallion Financial Corp.
MFIN
|
162 M | $ 9.36 | 0.92 % | $ 213 M | USA |
 |
The Western Union Company
WU
|
-11.5 M | $ 9.03 | -1.04 % | $ 2.95 B | USA |
 |
Consumer Portfolio Services
CPSS
|
286 M | $ 10.26 | 3.43 % | $ 225 M | USA |
 |
Discover Financial Services
DFS
|
33.6 B | - | -0.21 % | $ 50.2 B | USA |
 |
Nicholas Financial
NICK
|
93.9 M | - | -0.16 % | $ 45.1 M | USA |
 |
Green Dot Corporation
GDOT
|
645 M | $ 12.57 | 0.64 % | $ 693 M | USA |
 |
Navient Corporation
NAVI
|
4.7 B | $ 8.83 | 1.38 % | $ 962 M | USA |
 |
Nelnet
NNI
|
3.68 B | $ 139.91 | -0.62 % | $ 5.08 B | USA |
 |
OneMain Holdings
OMF
|
2.58 B | $ 55.86 | 1.47 % | $ 6.63 B | USA |
 |
Yiren Digital Ltd.
YRD
|
-38.9 M | $ 2.11 | 5.5 % | $ 357 M | China |
 |
X Financial
XYF
|
4.17 B | $ 5.05 | 1.61 % | $ 1.46 B | - |
 |
Regional Management Corp.
RM
|
411 M | $ 34.62 | -0.63 % | $ 326 M | USA |
 |
360 DigiTech
QFIN
|
21 B | $ 13.66 | 3.02 % | $ 4.07 B | China |
 |
Dunxin Financial Holdings Limited
DXF
|
-54.3 M | $ 0.5 | 3.07 % | $ 722 M | China |
|
Oportun Financial Corporation
OPRT
|
-174 M | $ 5.75 | 3.42 % | $ 212 M | USA |
 |
MoneyGram International
MGI
|
-1.48 B | - | - | $ 1.07 B | USA |
 |
SLM Corporation
SLM
|
4.73 B | $ 22.57 | 0.13 % | $ 4.68 B | USA |
 |
Security National Financial Corporation
SNFCA
|
249 M | $ 9.83 | 0.72 % | $ 243 M | USA |
 |
Upstart Holdings
UPST
|
-358 M | $ 28.36 | -9.02 % | $ 2.72 B | USA |
 |
Qudian
QD
|
8.32 B | - | - | $ 634 M | China |
 |
Mastercard Inc.
MA
|
85 B | $ 492.01 | -1.02 % | $ 445 B | USA |
 |
American Express Company
AXP
|
25.5 B | $ 321.87 | 1.87 % | $ 224 B | USA |
 |
LendingClub Corporation
LC
|
-202 M | $ 17.2 | 0.76 % | $ 1.97 B | USA |