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Synchrony Financial

SYF

$78.58 ▼ -0.09 (-0.11%) at close

15 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Synchrony Financial shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $29.1B

Dividend Yield 1.46%

Revenue Growth -2.8% ↘

Op. Margin 24.3% ↗

ROIC None

FCF / Share None

Trailing P/E 8.4x

Price / Book 1.6x

FCF Yield —

Debt / Equity 0.91

info Valuation on last close. End-of-day price, Aug 7, 2026.

15-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$18.99B

↓ -2.8% —

Net Income Profit after all expenses

$3.55B

↑ +1.5% —

Operating Margin Operating profit as % of sales

24.3%

↑ +4.4% 81th

Long-Term Debt Long-term obligations

$15.18B

↓ -1.8% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.15 Latest / share

+15.0% YoY

$0.00

FY 2014

$0.00

FY 2015

$0.26

FY 2016

$0.56

FY 2017

$0.72

FY 2018

$0.86

FY 2019

$0.88

FY 2020

$0.88

FY 2021

$0.90

FY 2022

$0.96

FY 2023

$1.00

FY 2024

$1.15

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue Growth YoY (%)	-2.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-147%)	13.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+116%)	8.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+34%)	8.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+45%)	-0.6% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-110%)	-13.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-329%)	4.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-20%)	7.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+18%)	10.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+72%)	11.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+85%)	5.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	6.6% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+10%)	10.2% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+70%)	—	—
EPS Growth YoY (%)	8.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	65.8% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	-15.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	224.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-59.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	48.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	54.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-10.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.9% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-4.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-6.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	1.5% Caution ↑ Caution Improving Year-over-year change in net income	56.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-25.8% Weak ↓ Weak Declining Year-over-year change in net income	-28.5% Weak ↓ Weak Declining Year-over-year change in net income	204.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-63.0% Weak ↓ Weak Declining Year-over-year change in net income	34.3% Excellent ↑ Excellent Improving Year-over-year change in net income	44.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-14.0% Weak ↓ Weak Declining Year-over-year change in net income	1.7% Caution → Caution Stable Year-over-year change in net income	5.0% Caution ↑ Caution Improving Year-over-year change in net income	6.6% Fair Fair Year-over-year change in net income	-6.6% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	5.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	9.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-2.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	9.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.8% Fair Fair Compound annual revenue growth over 3 years	7.5% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.6% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	0.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	7.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.2% Good Good Compound annual revenue growth over 5 years	8.8% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	14.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	5.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	31.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	25.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-2.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	27.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	-4.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.2% Weak Weak Compound annual EPS growth over 3 years	-3.9% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Operating Margin (%) (%)	24.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	16.8% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	24.8% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	37.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	12.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	28.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	22.2% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	21.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	25.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	28.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	28.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	33.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	—
Effective Tax Rate (%) (%)	23.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	41.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.9% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.3% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.7% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.0% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.2% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	18.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	17.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	12.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	18.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	28.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	9.4% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	21.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	17.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	12.6% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	16.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	17.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	17.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	17.9% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	21.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	3.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.4% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	3.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	21.2% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+77%)	21.1% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+76%)	16.1% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	23.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+95%)	30.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+158%)	10.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	24.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+107%)	19.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+58%)	13.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	15.9% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	17.6% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	20.1% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+68%)	33.2% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+177%)	46.2% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+285%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Debt to Equity (x)	0.91x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	0.93x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-22%)	1.15x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.10x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-8%)	1.06x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-11%)	1.24x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.32x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+10%)	1.63x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+36%)	1.46x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+22%)	1.42x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+18%)	1.93x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+61%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue per Share (USD)	$51.33	$49.26	$41.04	$33.32	$26.07	$25.14	$25.62	$22.07	$19.24	$16.73	$14.97	$15.59	$15.70	$14.25	—
Basic EPS, GAAP (USD)	$9.38	$8.64	$5.21	$6.19	$7.40	$2.28	$5.59	$3.76	$2.43	$2.71	$2.66	$2.78	$2.81	$3.00	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.15	$1.00	$0.96	$0.90	$0.88	$0.88	$0.86	$0.72	$0.56	$0.26	$0.00	$0.00	—	—	—
Book Value per Share (USD)	$48.32	$42.73	$34.17	$29.38	$25.92	$21.75	$24.50	$20.42	$18.47	$17.37	$15.12	$14.86	$8.45	$6.50	—
Tangible Book Value per Share (USD)	$44.39	$39.45	$31.67	$26.85	$23.82	$19.90	$22.75	$19.00	$17.19	$16.21	$13.98	$13.52	$7.10	$5.17	—
Basic Weighted Avg Shares (shares)	369.90M	396.50M	421.20M	480.40M	564.60M	589.00M	670.20M	742.30M	795.60M	829.20M	833.80M	757.40M	705.30M	705.30M	—
Dividend Payout Ratio (%)	12.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	11.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	14.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	11.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	38.6% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	15.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	9.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$15.18B	$15.46B	$15.98B	$14.19B	$14.51B	$15.78B	$19.87B	$24.00B	$20.80B	$20.15B	$24.28B	—	—	—	—
Total Equity (USD)	$16.77B	$16.58B	$13.90B	$12.87B	$13.65B	$12.70B	$15.09B	$14.68B	$14.23B	$14.20B	$12.60B	$10.48B	$5.96B	$4.58B	$4.33B

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Sales/Revenue/Turnover (USD)	$18.99B	$19.53B	$17.29B	$16.00B	$14.72B	$14.81B	$17.17B	$16.38B	$15.30B	$13.87B	$12.48B	$11.80B	$11.07B	$10.05B	—
Depreciation Expense (USD)	$514.00M	$481.00M	$458.00M	$419.00M	$390.00M	$383.00M	$367.00M	$302.00M	$254.00M	$219.00M	$174.00M	$131.00M	$104.00M	$83.00M	—
Net Income, GAAP (USD)	$3.55B	$3.50B	$2.24B	$3.02B	$4.22B	$1.39B	$3.75B	$2.79B	$1.94B	$2.25B	$2.21B	$2.11B	$1.98B	$2.12B	—
Operating Cash Flow (USD)	$9.85B	$9.85B	$8.59B	$6.69B	$7.10B	$7.49B	$8.99B	$9.34B	$8.57B	$6.82B	$6.18B	$5.34B	$5.68B	$5.64B	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Net Interest Margin (approx.) (%)	15.5%	15.1%	14.5%	14.9%	14.9%	15.0%	16.0%	15.1%	15.7%	15.0%	14.4%	—	17.9%	—	—
Efficiency Ratio (%) (%)	27.0%	24.8%	27.5%	27.1%	26.9%	27.4%	24.7%	25.0%	24.5%	24.6%	26.1%	24.8%	22.4%	21.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 15 years · 56 quarters

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