Synchrony Financial

SYF

NYSE

71.81

USD

-0.27(-0.37%)

As of today

Overview Financials Dividends Ratios Discussions Analysis

Synchrony Financial fundamentals

Overview Income Statement Balance Sheet Cash Flow

SYF Income Statement

AnnualQuarterly

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	8,706,000,000	10,048,000,000	11,071,000,000	9,230,000,000	9,747,000,000	10,972,000,000	12,367,000,000	13,284,000,000	13,312,000,000	11,162,000,000	10,192,000,000	16,005,000,000	7,662,000,000	24,166,000,000
Cost of Revenue	0	0	0	0	754,000,000	901,000,000	1,044,000,000	1,426,000,000	1,867,000,000	1,421,000,000	905,000,000	4,896,000,000	9,676,000,000	11,367,000,000
Gross Profit	8,706,000,000	10,048,000,000	11,071,000,000	9,230,000,000	8,993,000,000	10,071,000,000	11,323,000,000	11,858,000,000	11,445,000,000	9,741,000,000	9,287,000,000	14,635,000,000	7,662,000,000	12,799,000,000
Gross Profit Margin	1	1	1	1	0.923	0.918	0.916	0.893	0.86	0.873	0.911	0.914	1	0.53
R&D Expenses	0	0	0	0	0	0.292	0.242	0.24	0.313	0.14	0.49	0.3	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	-1,428,000,000	-1,984,000,000	-2,373,000,000	-2,575,000,000	-2,738,000,000	-2,902,000,000	-2,937,000,000	-3,099,000,000	-3,858,000,000	2,227,000,000	1,976,000,000	2,169,000,000	2,347,000,000	2,486,000,000
Total Operating Expenses	-611,000,000	-1,156,000,000	-1,406,000,000	-1,249,000,000	-1,263,000,000	-1,272,000,000	-1,125,000,000	-1,144,000,000	-1,854,000,000	4,055,000,000	3,963,000,000	4,337,000,000	4,758,000,000	4,839,000,000
Total Costs & Expenses	-611,000,000	-1,156,000,000	-1,406,000,000	-3,824,000,000	-4,001,000,000	-4,174,000,000	-4,062,000,000	-1,144,000,000	-1,854,000,000	-1,817,000,000	-4,689,000,000	1,319,000,000	3,922,000,000	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	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	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	3,789,000,000	3,578,000,000	3,946,000,000	5,979,000,000	2,838,000,000	6,359,000,000	4,894,000,000	4,121,000,000	9,668,000,000
EBITDA Margin	0.464	0.418	0.36	0.481	0.38	0.345	0.289	0.297	0.449	0.254	0.624	0.306	0.538	0.4
Operating Income	3,942,000,000	4,121,000,000	3,884,000,000	4,308,000,000	4,666,000,000	4,818,000,000	4,715,000,000	5,514,000,000	4,887,000,000	1,797,000,000	5,503,000,000	5,441,000,000	3,663,000,000	7,960,000,000
Operating Income Margin	0.453	0.41	0.351	0.467	0.479	0.439	0.381	0.415	0.367	0.161	0.54	0.34	0.478	0.329
Total Other Income/Expenses (Net)	-1,028,000,000	-132,000,000	-875,000,000	-826,000,000	-847,000,000	-819,000,000	-943,000,000	-908,000,000	-889,000,000	-976,000,000	-644,000,000	-714,000,000	-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	0.346	0.336	0.284	0.367	0.362	0.325	0.269	0.274	0.367	0.161	0.54	0.248	0.379	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	0.217	0.211	0.179	0.228	0.227	0.205	0.156	0.21	0.281	0.124	0.414	0.188	0.292	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