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added 02-06-2026
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
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
|---|---|---|
| 24 B | 1.08 B | 11.4 B |
Retained Earnings of other stocks in the Payment services industry
| Issuer | Retained Earnings | Price | % 24h | Market Cap | Country | |
|---|---|---|---|---|---|---|
 |
Qiwi plc
QIWI
|
14.6 B | - | - | - |  Cyprus |
 |
Jianpu Technology
JT
|
-1.34 B | - | 7.78 % | $ 331 M | - |
 |
Pintec Technology Holdings Limited
PT
|
-2.53 B | - | - | $ 671 M |  China |
 |
American Express Company
AXP
|
25.5 B | $ 299.39 | -0.28 % | $ 208 B |  USA |
 |
CURO Group Holdings Corp.
CURO
|
203 M | - | -6.4 % | $ 7.82 M | USA |
 |
Discover Financial Services
DFS
|
33.6 B | - | -0.21 % | $ 50.2 B | USA |
 |
Credit Acceptance Corporation
CACC
|
1.12 B | $ 442.85 | -0.24 % | $ 5.07 B | USA |
 |
Enova International
ENVA
|
2.01 B | $ 134.0 | -1.95 % | $ 3.37 B | USA |
 |
FlexShopper
FPAY
|
-35.8 M | - | 2.7 % | $ 4.12 M | USA |
 |
Ally Financial
ALLY
|
633 M | $ 39.14 | -0.23 % | $ 12.1 B | USA |
 |
Alliance Data Systems Corporation
ADS
|
4.83 B | - | -1.74 % | $ 2.84 B | USA |
 |
Capital One Financial Corporation
COF
|
65.2 B | $ 182.12 | -1.64 % | $ 98.5 B | USA |
 |
Xiaobai Maimai Inc.
HX
|
-1.43 M | - | -10.24 % | $ 37.1 M | China |
 |
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 |
 |
Nicholas Financial
NICK
|
93.9 M | - | -0.16 % | $ 45.1 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 |
 |
OneMain Holdings
OMF
|
2.58 B | $ 53.05 | -0.06 % | $ 6.3 B | USA |
 |
Goldman Sachs BDC, Inc.
GSBD
|
-5.35 M | $ 9.1 | -1.41 % | $ 368 M | USA |
 |
Barings BDC, Inc.
BBDC
|
-310 M | $ 8.14 | -1.51 % | $ 390 M | USA |
 |
PRA Group
PRAA
|
1.26 B | $ 17.61 | -1.23 % | $ 690 M | USA |
 |
PayPal Holdings
PYPL
|
32.5 B | $ 45.2 | 0.78 % | $ 43.3 B | USA |
 |
Senmiao Technology Limited
AIHS
|
-45.1 M | $ 1.65 | -5.71 % | $ 17.4 M | China |
 |
Medallion Financial Corp.
MFIN
|
162 M | $ 8.43 | -0.71 % | $ 192 M | USA |
 |
Atlanticus Holdings Corporation
ATLC
|
506 M | $ 53.14 | -1.83 % | $ 803 M | USA |
 |
Regional Management Corp.
RM
|
411 M | $ 32.43 | 0.5 % | $ 306 M | USA |
 |
EZCORP
EZPW
|
613 M | $ 25.28 | -1.25 % | $ 1.45 B | USA |
 |
Lufax Holding Ltd
LU
|
40.9 B | $ 1.89 | -1.82 % | $ 1.55 T | China |
 |
SLM Corporation
SLM
|
4.73 B | $ 20.64 | 1.03 % | $ 4.28 B | USA |
 |
Nelnet
NNI
|
3.68 B | $ 128.6 | 0.14 % | $ 4.67 B | USA |
 |
Elevate Credit
ELVT
|
-55.2 M | - | - | $ 58.8 M | USA |
 |
Yiren Digital Ltd.
YRD
|
-38.9 M | $ 1.7 | -6.08 % | $ 287 M | China |
 |
FirstCash
FCFS
|
1.67 B | $ 192.0 | 0.82 % | $ 8.51 B | USA |
 |
LendingClub Corporation
LC
|
-202 M | $ 14.39 | -1.03 % | $ 1.65 B | USA |
 |
Consumer Portfolio Services
CPSS
|
286 M | $ 7.77 | 1.97 % | $ 170 M | USA |
 |
MoneyGram International
MGI
|
-1.48 B | - | - | $ 1.07 B | USA |
 |
LexinFintech Holdings Ltd.
LX
|
6.6 B | $ 2.13 | -5.75 % | $ 706 M | China |
 |
Green Dot Corporation
GDOT
|
645 M | $ 10.91 | -1.8 % | $ 601 M | USA |
 |
Qudian
QD
|
8.32 B | - | - | $ 634 M | China |
 |
Upstart Holdings
UPST
|
-358 M | $ 25.33 | -2.91 % | $ 2.43 B | USA |
 |
Navient Corporation
NAVI
|
4.7 B | $ 8.23 | 0.73 % | $ 897 M | USA |
 |
Oaktree Specialty Lending Corporation
OCSL
|
-574 M | $ 11.14 | -1.68 % | $ 1.57 B | USA |
 |
X Financial
XYF
|
4.17 B | $ 3.41 | -26.19 % | $ 985 M | - |
 |
FinVolution Group
FINV
|
10.2 B | $ 4.62 | -2.53 % | $ 5.95 B | USA |
 |
360 DigiTech
QFIN
|
21 B | $ 12.86 | -1.98 % | $ 3.83 B | China |
 |
ORIX Corporation
IX
|
2.74 T | $ 29.63 | -2.76 % | $ 36.6 B |  Japan |
 |
World Acceptance Corporation
WRLD
|
173 M | $ 130.67 | 2.47 % | $ 709 M | USA |
 |
The Western Union Company
WU
|
-11.5 M | $ 8.97 | -1.43 % | $ 2.93 B | USA |