Synchrony Financial (SYF)

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49.93

1.37 (2.82%)

At close: Apr 23, 2025, 3:59 PM

51.19

2.52%

After-hours: Apr 23, 2025, 08:00 PM EDT

Synchrony Financial Income Statement

Financials in USD. Fiscal year is January - December.

Fiscal Year	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021	Q1 2021	Q4 2020	Q3 2020	Q2 2020	Q1 2020	Q4 2019	Q3 2019	Q2 2019	Q1 2019	Q4 2018	Q3 2018	Q2 2018	Q1 2018	Q4 2017	Q3 2017	Q2 2017	Q1 2017	Q4 2016	Q3 2016	Q2 2016	Q1 2016
Period Ending	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021	Jun 30, 2021	Mar 31, 2021	Dec 31, 2020	Sep 30, 2020	Jun 30, 2020	Mar 31, 2020	Dec 31, 2019	Sep 30, 2019	Jun 30, 2019	Mar 31, 2019	Dec 31, 2018	Sep 30, 2018	Jun 30, 2018	Mar 31, 2018	Dec 31, 2017	Sep 30, 2017	Jun 30, 2017	Mar 31, 2017	Dec 31, 2016	Sep 30, 2016	Jun 30, 2016	Mar 31, 2016
Revenue	3.8B	3.81B	4.89B	5.96B	3.66B	5.35B	3.29B	3.2B	3.09B	3.97B	4B	3.9B	2.73B	2.49B	2.4B	2.58B	2.69B	2.69B	2.72B	3.06B	3.1B	3.46B	3.39B	3.36B	3.54B	3.4B	3.8B	3.2B	3.2B	3.15B	3.02B	3B	2.9B	2.81B	2.63B	2.63B
Cost of Revenue	n/a	968M	1.05B	954M	955M	902M	816M	n/a	n/a	370M	252M	220M	213M	211M	229M	252M	-1.05B	-899M	n/a	n/a	n/a	n/a	n/a	n/a	n/a	-871M	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Gross Profit	3.8B	2.85B	3.84B	5.01B	2.7B	4.45B	2.48B	3.2B	3.09B	3.6B	3.75B	3.68B	2.52B	2.27B	2.17B	2.33B	3.74B	3.59B	2.72B	3.06B	3.1B	3.46B	3.39B	3.36B	3.54B	4.27B	3.8B	3.2B	3.2B	3.15B	3.02B	3B	2.9B	2.81B	2.63B	2.63B
Operating Income	973M	1.24B	2.75B	3.8B	539M	833M	1.53B	790M	n/a	1.32B	1.34B	1.47B	1.27B	1.74B	1.91B	1.62B	1.28B	792M	493M	899M	1.48B	1.97B	1.71B	2.02B	1.55B	1.38B	1.33B	1.25B	1.25B	1.24B	1.12B	1.11B	1.23B	1.28B	1.07B	1.24B
Interest Income	5.71B	5.79B	5.58B	5.57B	5.55B	5.35B	5.02B	4.79B	4.71B	4.34B	4.07B	4.02B	4.05B	3.9B	3.58B	3.74B	3.99B	3.84B	3.83B	4.41B	4.58B	4.98B	4.74B	4.79B	4.88B	4.69B	4.17B	4.24B	4.29B	4.23B	3.97B	3.91B	3.95B	3.8B	3.52B	3.52B
Pretax Income	973M	1.03B	844M	1.71B	539M	833M	742M	790M	741M	922M	1.07B	1.23B	1.05B	1.5B	1.64B	1.31B	944M	412M	59M	382M	921M	1.38B	1.13B	1.46B	1.01B	893M	892M	847M	875M	879M	788M	782M	908M	963M	771M	928M
Net Income	774M	789M	643M	1.29B	440M	628M	569M	601M	577M	703M	804M	932M	813M	1.14B	1.24B	1.02B	738M	313M	48M	286M	731M	1.06B	853M	1.11B	783M	671M	696M	640M	385M	555M	496M	499M	576M	604M	489M	582M
Selling & General & Admin	582M	587M	563M	621M	676M	344M	584M	582M	580M	531M	539M	518M	576M	479M	473M	459M	486M	489M	418M	435M	537M	498M	493M	476M	519M	496M	461M	479M	489M	459M	445M	419M	445M	403M	408M	374M
Research & Development	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	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	n/a	n/a	n/a	n/a
Other Expenses	2.25B	n/a	-1.18B	-1.21B	-3.8B	-1.05B	-1.07B	1.83B	2.51B	-974M	-991M	n/a	-3.3B	n/a	-865M	-850M	-1.05B	-899M	-773M	-926M	-1.03B	-1.02B	-859M	-954M	-855M	-871M	-653M	-720M	-779M	-805M	-669M	-684M	-811M	-757M	-664M	-670M
Operating Expenses	2.83B	2.79B	1.18B	1.21B	-3.12B	344M	342M	2.41B	3.09B	319M	320M	326M	-2.73B	306M	303M	285M	-561M	294M	280M	308M	-492M	344M	366M	355M	-336M	363M	287M	287M	-290M	285M	282M	245M	-366M	266M	261M	240M
Interest Expense	1.12B	1.18B	1.18B	1.16B	1.08B	992M	901M	735M	602M	414M	272M	233M	223M	240M	266M	303M	334M	380M	434M	517M	556M	592M	583M	560M	543M	488M	437M	402M	375M	357M	333M	326M	319M	315M	303M	311M
Selling & Marketing Expenses	147M	123M	129M	125M	138M	125M	133M	131M	121M	115M	135M	116M	167M	110M	114M	95M	139M	107M	91M	111M	152M	139M	135M	123M	166M	131M	110M	121M	156M	124M	124M	94M	130M	92M	107M	94M
Cost & Expenses	2.83B	3.75B	3.83B	4.04B	-3.12B	344M	342M	2.41B	3.09B	319M	320M	326M	-3.99B	-960M	-703M	-704M	-1.61B	-605M	-493M	-618M	-1.52B	-672M	-493M	-599M	-1.19B	-508M	287M	-433M	-1.07B	-520M	-387M	-439M	-1.18B	-491M	-403M	-430M
Income Tax Expense	199M	239M	201M	415M	99M	205M	173M	189M	164M	219M	262M	301M	234M	359M	399M	290M	206M	99M	11M	96M	190M	319M	276M	355M	229M	222M	196M	207M	490M	324M	292M	283M	332M	359M	282M	346M
Shares Outstanding (Basic)	408.3M	392.3M	399.3M	404.7M	411.9M	416M	422.7M	434.4M	445.8M	468.5M	493M	515.3M	537.8M	560.6M	577.2M	583.3M	583.9M	583.8M	583.7M	604.9M	633.7M	658.3M	683.6M	706.3M	718.7M	734.9M	752.2M	763.7M	778.7M	787.3M	804M	813.1M	820.5M	828.4M	833.9M	833.8M
Shares Outstanding (Diluted)	395.2M	396.5M	402.6M	408.2M	414.6M	418.4M	424.2M	437.2M	448.9M	470.7M	495.3M	519.5M	543M	565.6M	581.7M	587.5M	586.6M	584.8M	584.4M	607.4M	637.7M	661.7M	686.5M	708.9M	720.9M	738.8M	758.3M	770.3M	784M	790.9M	807.4M	817.1M	823.8M	830.6M	836.2M	835.5M
EPS (Basic)	1.93	1.96	1.56	3.17	1.04	1.49	1.32	1.36	1.27	1.50	1.63	1.81	1.49	2.02	2.13	1.74	1.25	0.52	0.06	0.45	1.15	1.60	1.25	1.57	1.09	0.91	0.93	0.84	0.49	0.70	0.62	0.61	0.70	0.73	0.59	0.70
EPS (Diluted)	1.91	1.94	1.55	3.14	1.03	1.48	1.32	1.35	1.26	1.49	1.62	1.79	1.48	2.00	2.12	1.73	1.24	0.52	0.06	0.45	1.15	1.60	1.24	1.56	1.09	0.91	0.92	0.83	0.49	0.70	0.61	0.61	0.70	0.73	0.58	0.70
EBITDA	1.09B	1.32B	n/a	n/a	862M	1.14B	1.04B	901M	n/a	1.16B	1.28B	1.45B	1.26B	1.7B	1.86B	1.54B	1.17B	598M	n/a	n/a	1.19B	1.47B	1.22B	1.55B	1.09B	971M	965M	918M	942M	948M	847M	841M	963M	1.02B	n/a	n/a
EBIT	973M	1.24B	-121M	-119M	744M	1.02B	926M	790M	-101M	1.06B	1.18B	1.34B	1.15B	1.61B	1.76B	1.45B	1.08B	501M	-97M	-96M	1.09B	1.38B	1.13B	1.46B	1.01B	893M	892M	847M	875M	879M	788M	782M	908M	963M	-54M	-54M
Depreciation & Amortization	120M	121M	80M	80M	77M	102M	99M	111M	101M	90M	92M	93M	94M	80M	83M	82M	93M	97M	97M	96M	94M	94M	92M	87M	80M	78M	73M	71M	67M	69M	59M	59M	55M	56M	54M	54M