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
SYF
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% |