Synchrony Financial (SYF)

Growth

Revenue 5Y9.28%
Revenue 3Y5.71%
EPS 5Y22.46%
EPS 3Y25.76%
Dividend 5Y30.05%
Dividend 3Y10.09%

Capital Efficiency

ROIC-
ROE24.14%
ROA3.28%
ROTA3.28%

Capital Structure

Market Cap15.10B
EV10.69B
Cash11.51B
Current Ratio1.62
Debt/Equity0.81
Net Debt/EBITDA-0.76
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Income Statement

Select a metric from the list below to chart it

Dec '11
Dec '13
Dec '15
Dec '17
Dec '19
Dec '21
Income Statement
Dec '13
Dec '14
Dec '15
Dec '16
Dec '17
Dec '18
Dec '19
Dec '20
Dec '21
TTM
Revenue
11,071.0
11,805.0
12,485.0
13,874.0
15,304.0
16,383.0
17,170.0
14,807.0
14,720.0
16,236.0
Revenue % Chg.
10.2%
6.6%
5.8%
11.1%
10.3%
7.1%
4.8%
-13.8%
-0.6%
12.3%
Selling, General, & Admin Expenses
967.0
1,326.0
1,475.0
1,630.0
1,812.0
1,955.0
2,004.0
1,787.0
1,987.0
1,952.0
Selling, General, & Admin Expenses % Chg.
16.8%
37.1%
11.2%
10.5%
11.2%
7.9%
2.5%
-10.8%
11.2%
5.2%
Other Expenses
-
-2,575.0
-2,738.0
-2,902.0
-2,937.0
-3,099.0
-3,858.0
-3,645.0
-
-
Other Expenses % Chg.
-
-
6.3%
6.0%
1.2%
5.5%
24.5%
5.5%
-
-
Income Before Tax
3,142.0
3,386.0
3,531.0
3,570.0
3,324.0
3,644.0
4,887.0
1,797.0
5,503.0
4,268.0
Income Before Tax % Chg.
-6.9%
7.8%
4.3%
1.1%
-6.9%
9.6%
34.1%
-63.2%
206.2%
-21.0%
Income Before Tax Margin
28.4%
28.7%
28.3%
25.7%
21.7%
22.2%
28.5%
12.1%
37.4%
26.3%
Income Before Tax Margin % Chg.
-15.5%
1.1%
-1.4%
-9.0%
-15.6%
2.4%
28.0%
-57.4%
208.0%
-29.6%
Income Tax Expense
1,163.0
1,277.0
1,317.0
1,319.0
1,389.0
854.0
1,140.0
412.0
1,282.0
1,016.0
Income Tax Expense % Chg.
-7.5%
9.8%
3.1%
0.2%
5.3%
-38.5%
33.5%
-63.9%
211.2%
-19.0%
Net Income
1,979.0
2,109.0
2,214.0
2,251.0
1,935.0
2,790.0
3,747.0
1,385.0
4,221.0
3,241.0
Net Income % Chg.
-6.6%
6.6%
5.0%
1.7%
-14.0%
44.2%
34.3%
-63.0%
204.8%
-21.8%
Net Income Margin
17.9%
17.9%
17.7%
16.2%
12.6%
17.0%
21.8%
9.4%
28.7%
20.0%
Net Income Margin % Chg.
-15.2%
-0.1%
-0.7%
-8.5%
-22.1%
34.7%
28.1%
-57.1%
206.6%
-30.4%
Weighted Avg. Shares Out
830.3
757.4
833.8
829.2
795.6
742.3
670.2
589.0
564.6
509.8
Weighted Avg. Shares Out % Chg.
-
-8.8%
10.1%
-0.6%
-4.1%
-6.7%
-9.7%
-12.1%
-4.1%
-11.5%
EPS
2.2
2.8
2.7
2.7
2.4
3.8
5.6
2.3
7.4
6.3
EPS % Chg.
-13.4%
25.8%
-4.3%
1.9%
-10.3%
54.7%
48.7%
-59.2%
224.6%
-11.9%
Weighted Avg. Shares Out Dil
830.7
757.6
835.5
831.5
799.7
746.9
673.5
590.8
569.3
513.3
Weighted Avg. Shares Out Dil % Chg.
-0.1%
-8.8%
10.3%
-0.5%
-3.8%
-6.6%
-9.8%
-12.3%
-3.6%
-11.6%
EPS Diluted
2.2
2.8
2.7
2.7
2.4
3.7
5.6
2.3
7.3
6.3
EPS Diluted % Chg.
-13.3%
25.8%
-4.7%
2.3%
-10.7%
54.5%
48.7%
-59.2%
223.3%
-11.8%
Interest Income
11,313.0
12,242.0
13,228.0
14,778.0
16,407.0
17,988.0
19,090.0
16,067.0
15,271.0
16,491.0
Interest Income % Chg.
9.7%
8.2%
8.1%
11.7%
11.0%
9.6%
6.1%
-15.8%
-5.0%
8.4%
Interest Expense
742.0
922.0
1,135.0
1,248.0
1,391.0
1,870.0
2,291.0
1,665.0
1,032.0
1,142.0
Interest Expense % Chg.
-0.4%
24.3%
23.1%
10.0%
11.5%
34.4%
22.5%
-27.3%
-38.0%
-0.1%
EBIT
13,713.0
14,706.0
15,624.0
17,100.0
18,340.0
19,762.0
21,686.0
16,199.0
19,742.0
19,617.0
EBIT % Chg.
6.0%
7.2%
6.2%
9.4%
7.3%
7.8%
9.7%
-25.3%
21.9%
0.8%
EBIT Margin
123.9%
124.6%
125.1%
123.3%
119.8%
120.6%
126.3%
109.4%
134.1%
120.8%
EBIT Margin % Chg.
-3.8%
0.6%
0.5%
-1.5%
-2.8%
0.7%
4.7%
-13.4%
22.6%
-10.2%
Depreciation & Amortization
104.0
131.0
174.0
219.0
254.0
302.0
367.0
383.0
390.0
423.0
Depreciation & Amortization % Chg.
25.3%
26.0%
32.8%
25.9%
16.0%
18.9%
21.5%
4.4%
1.8%
11.9%
EBITDA
13,817.0
14,837.0
15,798.0
17,319.0
18,594.0
20,064.0
22,053.0
16,582.0
20,132.0
20,040.0
EBITDA % Chg.
6.1%
7.4%
6.5%
9.6%
7.4%
7.9%
9.9%
-24.8%
21.4%
1.0%
EBITDA Margin
124.8%
125.7%
126.5%
124.8%
121.5%
122.5%
128.4%
112.0%
136.8%
123.4%
EBITDA Margin % Chg.
-3.7%
0.7%
0.7%
-1.3%
-2.7%
0.8%
4.9%
-12.8%
22.1%
-10.0%