Synchrony Financial (SYF)

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AI Score

Our AI model analyzes fundamental, technical, and statistical indicators to predict the probability of a bullish trend over the next three months.

We regularly update and refine our models to deliver the most reliable forecasts for you.

Bullish Probability	Sentiment	Score
+80%	Strong Buy	10
+75%	Buy	9
+70%	Buy	8
+60%	Buy	7
+50%	Hold	6
+45%	Hold	5
+40%	Hold	4
+35%	Sell	3
+30%	Sell	2
+20%	Strong Sell	1

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Income Statement (Annual)

Get detailed income statement breakdowns, uncovering revenue, expenses, and much more.

Boring Mode

Year	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	7.66B	16.00B	10.19B	11.16B	13.31B	13.28B	12.37B	10.97B	9.75B	9.23B	11.07B	10.05B	8.71B
Cost of Revenue	-	1.37B	905.00M	1.42B	1.87B	1.43B	1.04B	901.00M	754.00M	-	-	-	-
Gross Profit	7.66B	14.63B	9.29B	9.74B	11.45B	11.86B	11.32B	10.07B	8.99B	9.23B	11.07B	10.05B	8.71B
Operating Income	3.66B	5.44B	5.50B	1.80B	4.89B	5.51B	4.71B	4.82B	4.67B	4.31B	3.88B	4.12B	3.94B
Interest Income	20.71B	17.15B	15.27B	16.07B	19.09B	17.99B	16.41B	14.78B	13.23B	12.24B	11.31B	10.31B	9.14B
Pretax Income	2.90B	3.96B	5.50B	1.80B	4.89B	3.64B	3.32B	3.57B	3.53B	3.39B	3.14B	3.38B	3.01B
Net Income	2.24B	3.02B	4.22B	1.39B	3.75B	2.79B	1.94B	2.25B	2.21B	2.11B	1.98B	2.12B	1.89B
Selling & General & Admin	2.37B	2.17B	1.99B	1.83B	2.00B	1.96B	1.81B	1.63B	1.48B	1.33B	967.00M	828.00M	817.00M
Research & Development	-	0.30	0.49	0.14	0.31	0.24	0.24	0.29	-	-	-	-	-
Other Expenses	-	-3.98B	-6.68B	-3.65B	-3.86B	-3.10B	-2.94B	-2.90B	-2.74B	-2.58B	-2.37B	-1.98B	-1.43B
Operating Expenses	3.92B	1.32B	-4.69B	-1.82B	-1.85B	-1.14B	-1.13B	-1.27B	-1.26B	-1.25B	-1.41B	-1.16B	-611.00M
Interest Expense	3.71B	1.52B	1.03B	1.67B	2.29B	1.87B	1.39B	1.25B	1.14B	922.00M	742.00M	745.00M	932.00M
Selling & Marketing Expenses	527.00M	487.00M	486.00M	448.00M	549.00M	528.00M	498.00M	423.00M	433.00M	460.00M	269.00M	208.00M	221.00M
Cost & Expenses	3.92B	1.32B	-4.69B	-1.82B	-1.85B	-1.14B	-4.06B	-4.17B	-4.00B	-3.82B	-1.41B	-1.16B	-611.00M
Income Tax	666.00M	946.00M	1.28B	412.00M	1.14B	854.00M	1.39B	1.32B	1.32B	1.28B	1.16B	1.26B	1.12B
Shares Outstanding (Basic)	421.20M	480.40M	564.60M	589.00M	670.20M	742.30M	795.60M	829.20M	833.80M	757.40M	830.27M	830.27M	830.27M
Shares Outstanding (Diluted)	423.50M	483.40M	569.30M	590.80M	673.50M	746.90M	799.70M	831.50M	835.50M	757.60M	831.17M	831.17M	830.67M
EPS (Basic)	5.21	6.19	7.40	2.28	5.59	3.76	2.43	2.71	2.66	2.78	2.38	2.55	2.28
EPS (Diluted)	5.19	6.15	7.34	2.27	5.56	3.74	2.42	2.71	2.65	2.78	2.38	2.55	2.28
EBITDA	-	4.89B	6.36B	2.84B	5.98B	3.95B	3.58B	3.79B	3.71B	4.44B	3.99B	4.20B	4.04B
Depreciation & Amortization	-	8.72B	5.25B	10.37B	9.99B	11.51B	10.43B	8.65B	174.00M	131.00M	104.00M	83.00M	96.00M