Synchrony Financial
SYF
NYSE
73.01
USD-0.99(-1.34%)
As of today
Synchrony Financial fundamentals
SYF Income Statement
| Period Ending | Dec 31, 2011 | Dec 31, 2012 | Dec 31, 2013 | Dec 31, 2014 | Dec 31, 2015 | Dec 31, 2016 | Dec 31, 2017 | Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 9,639,000,000 | 10,782,000,000 | 11,801,000,000 | 12,727,000,000 | 10,882,000,000 | 12,220,000,000 | 13,758,000,000 | 15,154,000,000 | 15,603,000,000 | 12,827,000,000 | 11,224,000,000 | 13,195,000,000 | 17,338,000,000 | 24,166,000,000 | |
| Cost of Revenue | 3,190,000,000 | 3,310,000,000 | 3,814,000,000 | 3,839,000,000 | 4,087,000,000 | 5,234,000,000 | 6,687,000,000 | 7,415,000,000 | 6,471,000,000 | 6,975,000,000 | 1,758,000,000 | 4,896,000,000 | 0 | 11,367,000,000 | |
| Gross Profit | 5,020,000,000 | 5,499,000,000 | 5,626,000,000 | 6,313,000,000 | 6,795,000,000 | 6,986,000,000 | 7,071,000,000 | 7,739,000,000 | 9,132,000,000 | 5,852,000,000 | 9,466,000,000 | 8,299,000,000 | 7,662,000,000 | 12,799,000,000 | |
| Gross Profit Margin | 0.521 | 0.51 | 0.477 | 0.496 | 0.624 | 0.572 | 0.514 | 0.511 | 0.585 | 0.456 | 0.843 | 0.629 | 0.442 | 0.53 | |
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| General & Administrative Expenses | 596,000,000 | 620,000,000 | 698,000,000 | 866,000,000 | 1,042,000,000 | 1,207,000,000 | 1,314,000,000 | 1,427,000,000 | 1,455,000,000 | 1,380,000,000 | 1,501,000,000 | 1,681,000,000 | 1,884,000,000 | 1,829,000,000 | |
| Selling & Marketing Expenses | 221,000,000 | 208,000,000 | 269,000,000 | 460,000,000 | 433,000,000 | 423,000,000 | 498,000,000 | 528,000,000 | 549,000,000 | 448,000,000 | 486,000,000 | 487,000,000 | 527,000,000 | 524,000,000 | |
| SG&A Expenses | 817,000,000 | 828,000,000 | 967,000,000 | 1,326,000,000 | 1,475,000,000 | 1,630,000,000 | 1,812,000,000 | 1,955,000,000 | 2,004,000,000 | 1,828,000,000 | 1,987,000,000 | 2,168,000,000 | 2,411,000,000 | 2,353,000,000 | |
| Other Expenses | 1,193,000,000 | 1,295,000,000 | 642,000,000 | 1,601,000,000 | 1,789,000,000 | 1,786,000,000 | 1,935,000,000 | 2,140,000,000 | 1,352,000,000 | 1,251,000,000 | 1,332,000,000 | 1,455,000,000 | 1,511,000,000 | 2,486,000,000 | |
| Total Operating Expenses | 2,010,000,000 | 2,123,000,000 | 1,609,000,000 | 2,927,000,000 | 3,264,000,000 | 3,416,000,000 | 3,747,000,000 | 4,095,000,000 | 3,356,000,000 | 3,079,000,000 | 3,319,000,000 | 3,623,000,000 | 3,922,000,000 | 4,839,000,000 | |
| Total Costs & Expenses | 5,697,000,000 | 6,661,000,000 | 7,917,000,000 | 8,419,000,000 | 7,351,000,000 | 8,650,000,000 | 10,434,000,000 | 11,510,000,000 | 9,991,000,000 | 10,372,000,000 | 5,255,000,000 | 8,720,000,000 | 13,675,000,000 | 16,206,000,000 | |
| Interest Income | 9,141,000,000 | 10,309,000,000 | 11,313,000,000 | 12,242,000,000 | 13,228,000,000 | 14,778,000,000 | 16,407,000,000 | 17,988,000,000 | 19,090,000,000 | 16,067,000,000 | 15,271,000,000 | 17,146,000,000 | 20,710,000,000 | 22,645,000,000 | |
| Interest Expense | 932,000,000 | 745,000,000 | 742,000,000 | 922,000,000 | 1,135,000,000 | 1,248,000,000 | 1,391,000,000 | 1,870,000,000 | 2,291,000,000 | 1,665,000,000 | 1,032,000,000 | 1,521,000,000 | 3,711,000,000 | 4,634,000,000 | |
| Depreciation & Amortization | 96,000,000 | 83,000,000 | 104,000,000 | 131,000,000 | 174,000,000 | 174,000,000 | 196,000,000 | 240,000,000 | 301,000,000 | 327,000,000 | 339,000,000 | 362,000,000 | 458,000,000 | 481,000,000 | |
| EBITDA | 4,038,000,000 | 4,204,000,000 | 3,988,000,000 | 4,439,000,000 | 3,705,000,000 | 3,744,000,000 | 3,520,000,000 | 3,884,000,000 | 5,913,000,000 | 2,782,000,000 | 6,308,000,000 | 4,837,000,000 | 4,121,000,000 | 9,668,000,000 | |
| EBITDA Margin | 0.419 | 0.39 | 0.338 | 0.349 | 0.34 | 0.306 | 0.256 | 0.256 | 0.379 | 0.217 | 0.562 | 0.367 | 0.238 | 0.4 | |
| Operating Income | 3,942,000,000 | 4,121,000,000 | 3,884,000,000 | 4,308,000,000 | 3,531,000,000 | 3,570,000,000 | 3,324,000,000 | 3,644,000,000 | 5,612,000,000 | 2,455,000,000 | 5,969,000,000 | 4,475,000,000 | 3,663,000,000 | 7,960,000,000 | |
| Operating Income Margin | 0.409 | 0.382 | 0.329 | 0.338 | 0.324 | 0.292 | 0.242 | 0.24 | 0.36 | 0.191 | 0.532 | 0.339 | 0.211 | 0.329 | |
| Total Other Income/Expenses (Net) | -932,000,000 | -745,000,000 | -742,000,000 | -922,000,000 | 0 | 0 | 0 | 0 | -725,000,000 | -658,000,000 | -466,000,000 | -513,000,000 | -759,000,000 | -3,407,000,000 | |
| Income Before Tax | 3,010,000,000 | 3,376,000,000 | 3,142,000,000 | 3,386,000,000 | 3,531,000,000 | 3,570,000,000 | 3,324,000,000 | 3,644,000,000 | 4,887,000,000 | 1,797,000,000 | 5,503,000,000 | 3,962,000,000 | 2,904,000,000 | 4,553,000,000 | |
| Pre-Tax Income Margin | 0.312 | 0.313 | 0.266 | 0.266 | 0.324 | 0.292 | 0.242 | 0.24 | 0.313 | 0.14 | 0.49 | 0.3 | 0.167 | 0.188 | |
| Income Tax Expense | 1,120,000,000 | 1,257,000,000 | 1,163,000,000 | 1,277,000,000 | 1,317,000,000 | 1,319,000,000 | 1,389,000,000 | 854,000,000 | 1,140,000,000 | 412,000,000 | 1,282,000,000 | 946,000,000 | 666,000,000 | 1,054,000,000 | |
| Net Income | 1,890,000,000 | 2,119,000,000 | 1,979,000,000 | 2,109,000,000 | 2,214,000,000 | 2,251,000,000 | 1,935,000,000 | 2,790,000,000 | 3,747,000,000 | 1,385,000,000 | 4,221,000,000 | 3,016,000,000 | 2,238,000,000 | 3,499,000,000 | |
| Net Income Margin | 0.196 | 0.197 | 0.168 | 0.166 | 0.203 | 0.184 | 0.141 | 0.184 | 0.24 | 0.108 | 0.376 | 0.229 | 0.129 | 0.145 | |
| Earnings Per Share (EPS) | 2.28 | 2.55 | 2.38 | 2.78 | 2.66 | 2.71 | 2.43 | 3.76 | 5.59 | 2.28 | 7.4 | 6.19 | 5.21 | 8.64 | |
| Diluted Earnings Per Share (EPS) | 2.28 | 2.55 | 2.38 | 2.78 | 2.65 | 2.71 | 2.42 | 3.74 | 5.56 | 2.27 | 7.34 | 6.15 | 5.19 | 8.55 | |
| Weighted Average Shares Outstanding | 830,271,000 | 830,271,000 | 830,271,000 | 757,400,000 | 833,800,000 | 829,200,000 | 795,600,000 | 742,300,000 | 670,200,000 | 589,000,000 | 564,600,000 | 480,400,000 | 421,200,000 | 396,500,000 | |
| Weighted Average Shares Outstanding (Diluted) | 830,670,000 | 831,170,000 | 831,170,000 | 757,600,000 | 835,500,000 | 831,500,000 | 799,700,000 | 746,900,000 | 673,500,000 | 590,800,000 | 569,300,000 | 483,400,000 | 423,500,000 | 400,600,000 |