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Synchrony Financial (SYF) Financials

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$47.72 +0.76 (+1.62%)
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Annual Income Statements for Synchrony Financial

Annual Income Statements for Synchrony Financial

This table shows Synchrony Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 7,267 2,251 1,935 2,790 3,747 1,385 4,179 3,016 2,196 3,427
Consolidated Net Income / (Loss)		 2,214 2,251 1,935 2,790 3,747 1,385 4,221 3,016 2,238 3,499
Net Income / (Loss) Continuing Operations		 7,267 2,251 1,935 2,790 3,747 1,385 4,221 3,016 2,238 3,499
Total Pre-Tax Income 		3,531 3,570 3,324 3,644 4,887 1,797 5,503 3,962 2,904 4,553
Total Revenue		 8,397 6,986 12,367 13,284 9,132 9,497 10,192 12,630 13,627 16,125
Net Interest Income / (Expense)		 9,355 10,628 12,079 13,019 8,761 9,092 14,239 12,250 16,999 18,011
Total Interest Income		 13,228 14,778 16,407 17,988 19,090 16,067 15,271 17,146 20,710 22,645
Loans and Leases Interest Income		 13,179 14,682 16,219 17,644 18,705 15,950 15,228 16,881 19,902 21,596
Investment Securities Interest Income		 49 96 188 344 385 117 43 265 808 1,049
Total Interest Expense		 5,223 8,136 4,328 4,969 10,329 6,975 1,032 1,521 3,711 4,634
Deposits Interest Expense		 607 727 848 1,186 1,566 1,094 566 1,008 2,952 3,806
Long-Term Debt Interest Expense		 1,874 521 280 684 725 571 466 513 759 828
Other Interest Expense		 2,742 6,888 3,200 3,099 8,038 5,310 4,528 3,375 3,661 3,407
Total Non-Interest Income		 392 344 288 265 371 405 481 380 289 1,521
Other Service Charges		 306 289 339 306 366 402 309 268 118 1,315
Other Non-Interest Income		 86 55 -51 -41 5.00 3.00 172 112 171 206
Provision for Credit Losses		 2,952 - 5,296 5,545 - - 726 - 5,965 6,733
Total Non-Interest Expense		 3,264 3,416 3,747 4,095 4,245 4,055 3,963 4,337 4,758 4,839
Salaries and Employee Benefits		 1,042 1,198 1,304 1,427 1,455 1,380 1,501 1,681 1,884 1,872
Net Occupancy & Equipment Expense		 297 338 373 426 485 492 550 623 712 803
Marketing Expense		 433 423 498 528 549 448 486 487 527 524
Other Operating Expenses		 1,492 1,457 1,572 1,714 1,756 1,735 1,426 1,546 1,635 1,640
Income Tax Expense		 1,317 1,319 1,389 854 1,140 412 1,282 946 666 1,054
Basic Earnings per Share		 $2.66 $2.71 $2.43 $3.76 $5.59 $2.28 $7.40 $6.19 $5.21 $8.64
Weighted Average Basic Shares Outstanding		 833.83M 810.79M 795.60M 742.30M 613.48M 583.88M 521.27M 437.04M 406.84M 388.75M
Diluted Earnings per Share		 $2.65 $2.71 $2.42 $3.74 $5.56 $2.27 $7.34 $6.15 $5.19 $8.55
Weighted Average Diluted Shares Outstanding		 833.83M 810.79M 795.60M 742.30M 613.48M 583.88M 521.27M 437.04M 406.84M 388.75M
Weighted Average Basic & Diluted Shares Outstanding		 833.83M 810.79M 795.60M 742.30M 613.48M 583.88M 521.27M 437.04M 406.84M 388.75M
Cash Dividends to Common per Share		 $0.00 $0.26 $0.56 $0.72 $0.86 $0.88 $0.88 $0.90 $0.96 $1.00

Quarterly Income Statements for Synchrony Financial

This table shows Synchrony Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 692 599 590 559 618 429 1,282 624 768 753
Consolidated Net Income / (Loss)		 703 577 601 569 628 440 1,293 643 789 774
Net Income / (Loss) Continuing Operations		 703 577 601 569 628 440 1,293 643 789 774
Total Pre-Tax Income 		922 741 790 742 833 539 1,708 844 1,028 973
Total Revenue		 1,986 5,119 1,909 3,294 3,475 4,949 2,914 3,712 3,814 5,685
Net Interest Income / (Expense)		 1,942 5,089 1,844 4,120 4,362 6,673 1,757 4,405 4,609 7,240
Total Interest Income		 4,342 4,708 4,786 5,021 5,354 5,549 5,568 5,582 5,785 5,710
Loans and Leases Interest Income		 4,258 4,576 4,616 4,812 5,151 5,323 5,293 5,301 5,522 5,480
Investment Securities Interest Income		 84 132 170 209 203 226 275 281 263 230
Total Interest Expense		 2,400 -3,756 2,942 901 992 -1,124 3,811 1,177 1,176 -1,530
Deposits Interest Expense		 280 441 557 717 800 878 954 967 968 917
Long-Term Debt Interest Expense		 134 161 178 184 192 205 209 210 208 201
Other Interest Expense		 1,986 -983 2,207 887 979 -412 2,648 810 914 -965
Total Non-Interest Income		 44 30 65 61 92 71 1,157 117 119 128
Other Service Charges		 132 -257 131 19 52 -84 1,235 75 64 -59
Other Non-Interest Income		 -88 287 -66 42 40 155 -78 42 55 187
Total Non-Interest Expense		 1,064 1,151 1,119 1,169 1,154 1,316 1,206 1,177 1,189 1,267
Salaries and Employee Benefits		 416 459 451 451 444 538 496 434 464 478
Net Occupancy & Equipment Expense		 150 165 166 179 177 190 186 207 203 207
Marketing Expense		 115 121 131 133 125 138 125 129 123 147
Other Operating Expenses		 383 406 371 406 408 450 399 407 399 435
Income Tax Expense		 219 164 189 173 205 99 415 201 239 199
Basic Earnings per Share		 $1.48 $1.31 $1.36 $1.32 $1.49 $1.04 $3.17 $1.56 $1.96 $1.95
Weighted Average Basic Shares Outstanding		 450.54M 437.04M 428.57M 418.18M 413.80M 406.84M 401.54M 395.23M 389.34M 388.75M
Diluted Earnings per Share		 $1.47 $1.31 $1.35 $1.32 $1.48 $1.04 $3.14 $1.55 $1.94 $1.92
Weighted Average Diluted Shares Outstanding		 450.54M 437.04M 428.57M 418.18M 413.80M 406.84M 401.54M 395.23M 389.34M 388.75M
Weighted Average Basic & Diluted Shares Outstanding		 450.54M 437.04M 428.57M 418.18M 413.80M 406.84M 401.54M 395.23M 389.34M 388.75M

Annual Cash Flow Statements for Synchrony Financial

This table details how cash moves in and out of Synchrony Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents		 497 -3,048 2,149 -1,441 2,271 -1,042 -2,919 1,744 3,991 334
Net Cash From Operating Activities		 6,184 6,511 8,575 9,342 8,990 7,487 7,099 6,694 8,593 9,848
Net Cash From Continuing Operating Activities		 6,184 6,511 8,575 9,342 8,990 7,487 7,099 6,694 8,593 9,848
Net Income / (Loss) Continuing Operations		 2,214 2,251 1,935 2,790 3,747 1,385 4,221 3,016 2,238 3,499
Consolidated Net Income / (Loss)		 2,214 2,251 1,935 2,790 3,747 1,385 4,221 3,016 2,238 3,499
Provision For Loan Losses		 2,952 3,986 5,296 5,545 4,180 5,310 726 3,375 5,965 6,733
Depreciation Expense		 174 219 254 302 367 383 390 419 458 481
Non-Cash Adjustments to Reconcile Net Income		 -295 389 385 -53 23 -602 219 -421 -458 -1,167
Changes in Operating Assets and Liabilities, net		 1,139 -334 705 758 673 1,011 1,543 305 390 302
Net Cash From Investing Activities		 -10,803 -13,364 -9,542 -19,036 -261 -498 -4,814 -10,234 -14,234 -8,903
Net Cash From Continuing Investing Activities		 -10,803 -13,364 -9,542 -19,036 -261 -498 -4,814 -10,234 -14,234 -8,903
Purchase of Investment Securities		 -15,446 -3,652 -13,304 -24,704 -8,516 -10,303 -3,539 -18,148 -4,345 -5,434
Divestitures		 - - - - - - - 0.00 0.00 491
Sale and/or Maturity of Investments		 3,930 -9,712 3,762 5,668 8,255 9,805 -1,275 7,914 -9,889 -3,960
Net Cash From Financing Activities		 5,116 3,805 3,116 8,253 -6,458 -8,031 -5,204 5,284 9,632 -611
Net Cash From Continuing Financing Activities		 5,116 3,805 3,116 8,253 -6,458 -8,031 -5,204 5,284 9,632 -611
Net Change in Deposits		 8,261 8,666 4,431 7,509 1,117 -2,369 -534 9,453 9,437 879
Issuance of Debt		 6,846 4,984 6,043 6,337 5,330 675 3,105 4,955 3,034 2,439
Issuance of Preferred Equity		 - - 0.00 0.00 734 - - 0.00 0.00 488
Repayment of Debt		 -9,993 -9,150 -5,410 -3,157 -9,477 -4,783 -4,386 -5,284 -1,257 -2,975
Repurchase of Common Equity		 0.00 -476 -1,497 -1,868 -3,618 -985 -2,876 -3,320 -1,112 -1,008
Payment of Dividends		 0.00 -214 -446 -534 -581 -562 -542 -476 -448 -470
Other Financing Activities, Net		 2.00 -5.00 -5.00 -34 37 -7.00 29 -44 -22 36
Cash Interest Paid		 1,040 1,160 1,350 1,815 2,272 1,691 1,034 1,356 3,551 4,662
Cash Income Taxes Paid		 1,219 1,771 754 772 1,017 847 1,112 1,290 1,125 1,087

Quarterly Cash Flow Statements for Synchrony Financial

This table details how cash moves in and out of Synchrony Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 2,271 -2,631 5,490 -3,065 2,945 -1,379 5,650 -1,390 -699 -3,227
Net Cash From Operating Activities		 1,634 1,847 1,886 1,908 2,482 2,317 2,248 2,484 2,763 2,353
Net Cash From Continuing Operating Activities		 1,634 1,847 1,886 1,908 2,482 2,317 2,250 2,482 2,763 2,353
Net Income / (Loss) Continuing Operations		 703 577 601 569 628 440 1,293 643 789 774
Consolidated Net Income / (Loss)		 703 577 601 569 628 440 1,293 643 789 774
Provision For Loan Losses		 929 1,201 1,290 1,383 1,488 1,804 1,884 1,691 1,597 1,561
Depreciation Expense		 105 101 111 113 116 118 119 121 121 120
Non-Cash Adjustments to Reconcile Net Income		 -111 -236 -88 -63 -120 -187 -1,042 -35 -72 -18
Changes in Operating Assets and Liabilities, net		 8.00 204 -28 -94 370 142 -4.00 62 328 -84
Net Cash From Investing Activities		 -4,142 -6,858 692 -5,189 -2,568 -7,169 798 -2,507 -2,231 -4,963
Net Cash From Continuing Investing Activities		 -4,142 -6,858 692 -5,189 -2,568 -7,169 798 -2,507 -2,231 -4,963
Purchase of Investment Securities		 -1,040 -14,182 -532 -969 -649 -2,195 -675 -2,629 -543 -1,587
Sale and/or Maturity of Investments		 -3,102 7,324 1,224 -4,220 -1,919 -4,974 982 122 -1,688 -3,376
Net Cash From Financing Activities		 4,779 2,380 2,912 216 3,031 3,473 2,604 -1,367 -1,231 -617
Net Cash From Continuing Financing Activities		 4,779 2,380 2,912 216 3,031 3,473 2,604 -1,367 -1,231 -617
Net Change in Deposits		 3,691 3,328 2,720 1,336 2,298 3,083 2,396 -458 -818 -241
Repayment of Debt		 - -1,184 -250 -707 -300 - -600 -700 -1,500 -175
Repurchase of Common Equity		 -950 -701 -404 -303 -152 -253 -300 -305 -302 -101
Payment of Dividends		 -120 -113 -111 -109 -114 -114 -113 -119 -120 -118
Other Financing Activities, Net		 -4.00 - -33 -1.00 2.00 10 -14 15 17 18

Annual Balance Sheets for Synchrony Financial

This table presents Synchrony Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets		 83,990 90,207 95,808 106,792 104,826 95,948 95,748 104,564 117,479 119,463
Cash and Due from Banks		 12,325 9,321 11,602 9,396 12,147 11,524 8,337 10,294 14,259 14,711
Trading Account Securities		 3,142 5,110 4,473 6,062 5,911 7,469 5,283 4,879 3,799 3,079
Loans and Leases, Net of Allowance		 64,793 71,993 76,373 86,712 -5,602 -10,265 -8,688 -9,527 -10,571 -10,929
Allowance for Loan and Lease Losses		 3,497 4,344 5,574 6,427 5,602 10,265 8,688 9,527 10,571 10,929
Goodwill		 949 949 991 1,024 1,078 1,078 1,105 1,105 1,018 1,274
Intangible Assets		 701 712 749 1,137 1,265 1,125 1,168 742 815 854
Other Assets		 2,080 2,122 1,620 2,461 89,302 85,012 84,182 97,071 107,903 110,474
Total Liabilities & Shareholders' Equity		 83,990 90,207 95,808 106,792 104,826 95,948 95,748 104,564 117,479 119,463
Total Liabilities		 71,386 76,011 81,574 92,114 89,738 83,247 82,093 91,691 103,576 102,883
Non-Interest Bearing Deposits		 152 159 212 281 277 313 359 399 364 398
Interest Bearing Deposits		 43,215 51,896 56,276 63,738 64,877 62,469 61,911 71,336 80,789 81,664
Long-Term Debt		 24,279 20,147 20,799 23,996 19,866 15,775 14,507 14,191 15,982 15,462
Other Long-Term Liabilities		 3,740 3,809 4,287 4,099 4,718 4,690 5,316 5,765 6,334 5,359
Total Equity & Noncontrolling Interests		 12,604 14,196 14,234 14,678 15,088 12,701 13,655 12,873 13,903 16,580
Total Preferred & Common Equity		 12,604 14,196 14,234 14,678 15,088 12,701 13,655 12,873 13,903 16,580
Preferred Stock		 - - - 0.00 734 734 734 734 734 1,222
Total Common Equity		 12,604 14,196 14,234 14,678 14,354 11,967 12,921 12,139 13,169 15,358
Common Stock		 9,352 9,394 9,446 9,483 9,538 9,571 9,670 9,719 9,776 9,854
Retained Earnings		 3,293 5,330 6,809 8,986 12,117 10,621 14,245 16,716 18,662 21,635
Treasury Stock		 0.00 -475 -1,957 -3,729 -7,243 -8,174 -10,925 -14,171 -15,201 -16,072
Accumulated Other Comprehensive Income / (Loss)		 -41 -53 -64 -62 -58 -51 -69 -125 -68 -59

Quarterly Balance Sheets for Synchrony Financial

This table presents Synchrony Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Total Assets		 100,766 104,564 107,853 108,697 112,939 117,479 121,173 120,489 119,229 119,463
Cash and Due from Banks		 11,962 10,294 15,303 12,706 15,643 14,259 20,021 18,632 17,934 14,711
Trading Account Securities		 5,082 4,879 4,008 4,294 2,882 3,799 3,005 2,693 2,345 3,079
Loans and Leases, Net of Allowance		 -9,102 -9,527 0.00 -9,804 -10,176 -10,571 -10,905 -10,982 -11,029 -10,929
Allowance for Loan and Lease Losses		 9,102 9,527 - 9,804 10,176 10,571 10,905 10,982 11,029 10,929
Goodwill		 1,105 1,105 1,105 1,105 1,105 1,018 1,073 1,274 1,274 1,274
Intangible Assets		 1,033 742 1,297 1,226 1,169 815 800 776 765 854
Other Assets		 90,686 97,071 86,140 99,170 102,316 107,903 107,179 108,096 107,940 110,474
Total Liabilities & Shareholders' Equity		 100,766 104,564 107,853 108,697 112,939 117,479 121,173 120,489 119,229 119,463
Total Liabilities		 87,754 91,691 94,660 95,317 99,172 103,576 105,891 104,949 103,249 102,883
Non-Interest Bearing Deposits		 372 399 417 421 397 364 394 392 383 398
Interest Bearing Deposits		 68,032 71,336 74,008 75,344 77,669 80,789 83,160 82,708 81,901 81,664
Long-Term Debt		 14,321 14,191 14,934 14,231 15,231 15,982 16,133 15,637 15,632 15,462
Other Long-Term Liabilities		 5,029 5,765 5,301 5,321 5,875 6,334 6,204 6,212 5,333 5,359
Total Equity & Noncontrolling Interests		 13,012 12,873 13,193 13,380 13,767 13,903 15,282 15,540 15,980 16,580
Total Preferred & Common Equity		 13,012 12,873 13,193 13,380 13,767 13,903 15,282 15,540 15,980 16,580
Preferred Stock		 734 734 734 734 734 734 1,222 1,222 1,222 1,222
Total Common Equity		 12,278 12,139 12,459 12,646 13,033 13,169 14,060 14,318 14,758 15,358
Common Stock		 9,686 9,719 9,706 9,728 9,751 9,776 9,769 9,794 9,823 9,854
Retained Earnings		 16,252 16,716 17,369 17,828 18,338 18,662 19,790 20,310 20,975 21,635
Treasury Stock		 -13,473 -14,171 -14,514 -14,814 -14,960 -15,201 -15,430 -15,713 -15,990 -16,072
Accumulated Other Comprehensive Income / (Loss)		 -187 -125 -102 -96 -96 -68 -69 -73 -50 -59

Annual Metrics and Ratios for Synchrony Financial

This table displays calculated financial ratios and metrics derived from Synchrony Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 3.76% -16.80% 77.03% 7.41% -31.26% 4.00% 7.32% 23.92% 7.89% 18.33%
EBITDA Growth		 -1.05% 60.89% -5.57% 10.29% 33.15% 10.87% 1.17% 47.84% -61.41% 49.73%
EBIT Growth		 -3.02% 63.69% -6.89% 9.63% 34.11% 11.36% 1.12% 50.70% -64.98% 56.78%
NOPAT Growth		 -18.39% 225.00% -14.04% 44.19% 34.30% 11.94% 0.64% 49.56% -64.55% 56.35%
Net Income Growth		 4.98% 1.67% -14.04% 44.19% 34.30% -63.04% 204.77% -28.55% -25.80% 56.35%
EPS Growth		 -4.68% 2.26% -10.70% 54.55% 48.66% -59.17% 223.35% -16.21% -15.61% 64.74%
Operating Cash Flow Growth		 15.81% 5.29% 31.70% 8.94% -3.77% -16.72% -5.18% -5.71% 28.37% 14.60%
Free Cash Flow Firm Growth		 91.87% 742.40% -74.01% -168.35% 977.44% 42.93% -57.51% 63.42% -107.87% 330.19%
Invested Capital Growth		 -2.78% -6.89% 2.01% 10.39% -9.62% -18.53% -1.10% -3.90% 10.42% 7.22%
Revenue Q/Q Growth		 7.67% -18.36% 111.08% -21.32% -33.59% 3.04% 36.07% 34.12% 6.12% 4.78%
EBITDA Q/Q Growth		 27.37% -29.83% 48.71% -70.07% -1.44% 6.55% 46.34% 57.48% -61.31% -54.15%
EBIT Q/Q Growth		 29.28% -31.20% 53.60% -71.74% -1.83% 7.06% 50.81% 62.32% -64.79% -56.64%
NOPAT Q/Q Growth		 -181.93% 1.31% -8.98% 16.64% -1.37% 204.38% 1.81% 94.12% -5.77% 10.55%
Net Income Q/Q Growth		 0.73% 1.31% -8.98% 16.64% -1.37% 0.51% 1.81% -7.26% -5.77% 10.55%
EPS Q/Q Growth		 1.15% 1.88% -7.63% 18.35% 1.46% 3.65% 3.53% -2.84% -4.95% 11.47%
Operating Cash Flow Q/Q Growth		 15.78% -2.47% 9.51% 1.16% -2.60% -3.23% -1.14% -2.29% 5.79% 0.37%
Free Cash Flow Firm Q/Q Growth		 0.00% -87.48% 103.87% 18.49% 23.36% 18.70% -14.76% 183.40% -182.11% 143.56%
Invested Capital Q/Q Growth		 2.34% 0.00% 2.13% 2.48% -1.49% 2.17% 5.49% -0.98% 3.06% 1.36%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 28.05% 54.24% 28.93% 29.70% 57.53% 61.34% 57.82% 68.98% 24.67% 31.22%
EBIT Margin		 25.97% 51.10% 26.88% 27.43% 53.52% 57.30% 53.99% 65.66% 21.31% 28.24%
Profit (Net Income) Margin		 26.37% 32.22% 15.65% 21.00% 41.03% 14.58% 41.41% 23.88% 16.42% 21.70%
Tax Burden Percent		 62.70% 63.05% 58.21% 76.56% 76.67% 77.07% 76.70% 76.12% 77.07% 76.85%
Interest Burden Percent		 161.90% 100.00% 100.00% 100.00% 100.00% 33.02% 100.00% 47.78% 100.00% 100.00%
Effective Tax Rate		 37.30% 36.95% 41.79% 23.44% 23.33% 22.93% 23.30% 23.88% 22.93% 23.15%
Return on Invested Capital (ROIC)		 -4.81% 6.32% 5.58% 7.57% 10.18% 13.23% 14.91% 22.86% 7.86% 11.30%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.71% 6.32% 5.58% 7.57% 10.18% -2.54% 14.91% -0.11% 7.86% 11.30%
Return on Net Nonoperating Assets (RNNOA)		 24.00% 10.48% 8.03% 11.73% 15.00% -3.26% 17.13% -0.12% 8.86% 11.66%
Return on Equity (ROE)		 19.18% 16.80% 13.61% 19.30% 25.18% 9.97% 32.03% 22.74% 16.72% 22.96%
Cash Return on Invested Capital (CROIC)		 -1.99% 13.45% 3.59% -2.31% 20.28% 33.65% 16.01% 26.84% -2.05% 4.33%
Operating Return on Assets (OROA)		 2.73% 4.10% 3.57% 3.60% 4.62% 5.42% 5.74% 8.28% 2.62% 3.84%
Return on Assets (ROA)		 2.77% 2.58% 2.08% 2.75% 3.54% 1.38% 4.40% 3.01% 2.02% 2.95%
Return on Common Equity (ROCE)		 19.18% 16.80% 13.61% 19.30% 24.56% 9.44% 30.25% 21.48% 15.80% 21.48%
Return on Equity Simple (ROE_SIMPLE)		 17.57% 15.86% 13.59% 19.01% 24.83% 10.90% 30.91% 23.43% 16.10% 21.10%
Net Operating Profit after Tax (NOPAT)		 -1,801 2,251 1,935 2,790 3,747 4,194 4,221 6,313 2,238 3,499
NOPAT Margin		 -21.45% 32.22% 15.65% 21.00% 41.03% 44.16% 41.41% 49.98% 16.42% 21.70%
Net Nonoperating Expense Percent (NNEP)		 -15.52% 0.00% 0.00% 0.00% 0.00% 15.76% 0.00% 22.98% 0.00% 0.00%
SG&A Expenses to Revenue		 21.10% 28.04% 17.59% 17.92% 27.26% 24.43% 24.89% 22.10% 22.92% 19.84%
Operating Expenses to Revenue		 38.87% 48.90% 30.30% 30.83% 46.48% 42.70% 38.88% 34.34% 34.92% 30.01%
Earnings before Interest and Taxes (EBIT)		 2,181 3,570 3,324 3,644 4,887 5,442 5,503 8,293 2,904 4,553
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2,355 3,789 3,578 3,946 5,254 5,825 5,893 8,712 3,362 5,034
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.66 1.77 1.80 1.00 1.44 1.56 1.85 1.15 1.17 1.64
Price to Tangible Book Value (P/TBV)		 1.91 2.01 2.05 1.17 1.72 1.91 2.24 1.36 1.36 1.91
Price to Revenue (P/Rev)		 2.49 3.61 2.07 1.10 2.27 1.97 2.34 1.11 1.13 1.56
Price to Earnings (P/E)		 2.88 11.19 13.23 5.24 5.52 13.49 5.72 4.64 7.01 7.36
Dividend Yield		 0.00% 0.86% 1.71% 3.54% 2.69% 2.75% 2.02% 2.90% 2.58% 1.54%
Earnings Yield		 34.74% 8.94% 7.56% 19.09% 18.10% 7.41% 17.49% 21.54% 14.26% 13.59%
Enterprise Value to Invested Capital (EV/IC)		 0.89 1.04 0.99 0.76 0.83 0.83 1.09 0.69 0.60 0.85
Enterprise Value to Revenue (EV/Rev)		 3.91 5.11 2.81 2.20 3.19 2.49 3.02 1.48 1.31 1.69
Enterprise Value to EBITDA (EV/EBITDA)		 13.96 9.41 9.73 7.40 5.55 4.06 5.23 2.14 5.31 5.40
Enterprise Value to EBIT (EV/EBIT)		 15.07 9.99 10.47 8.02 5.96 4.35 5.60 2.25 6.15 5.97
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 15.84 17.99 10.47 7.78 5.64 7.30 2.95 7.98 7.77
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.32 5.48 4.06 3.13 3.24 3.16 4.34 2.78 2.08 2.76
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 7.44 27.96 0.00 3.90 2.22 6.79 2.51 0.00 20.26
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.93 1.42 1.46 1.63 1.32 1.24 1.06 1.10 1.15 0.93
Long-Term Debt to Equity		 1.93 1.42 1.46 1.63 1.32 1.24 1.06 1.10 1.15 0.93
Financial Leverage		 2.24 1.66 1.44 1.55 1.47 1.28 1.15 1.08 1.13 1.03
Leverage Ratio		 6.92 6.50 6.54 7.01 7.11 7.22 7.27 7.55 8.29 7.77
Compound Leverage Factor		 11.20 6.50 6.54 7.01 7.11 2.39 7.27 3.61 8.29 7.77
Debt to Total Capital		 65.83% 58.66% 59.37% 62.05% 56.83% 55.40% 51.51% 52.44% 53.48% 48.26%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 65.83% 58.66% 59.37% 62.05% 56.83% 55.40% 51.51% 52.44% 53.48% 48.26%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 2.10% 2.58% 2.61% 2.71% 2.46% 3.81%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 34.17% 41.34% 40.63% 37.95% 41.07% 42.02% 45.88% 44.85% 44.07% 47.93%
Debt to EBITDA		 10.31 5.32 5.81 6.08 3.78 2.71 2.46 1.63 4.75 3.07
Net Debt to EBITDA		 5.08 2.77 2.57 3.70 1.47 0.73 1.05 0.45 0.51 0.15
Long-Term Debt to EBITDA		 10.31 5.32 5.81 6.08 3.78 2.71 2.46 1.63 4.75 3.07
Debt to NOPAT		 -13.48 8.95 10.75 8.60 5.30 3.76 3.44 2.25 7.14 4.42
Net Debt to NOPAT		 -6.64 4.66 4.75 5.23 2.06 1.01 1.46 0.62 0.77 0.21
Long-Term Debt to NOPAT		 -13.48 8.95 10.75 8.60 5.30 3.76 3.44 2.25 7.14 4.42
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 2.47% 5.28% 5.57% 5.53% 5.48% 6.42%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -746 4,791 1,245 -851 7,467 10,672 4,535 7,411 -583 1,342
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -0.14 0.59 0.29 -0.17 0.72 1.53 4.39 4.87 -0.16 0.29
Operating Cash Flow to Interest Expense		 1.18 0.80 1.98 1.88 0.87 1.07 6.88 4.40 2.32 2.13
Operating Cash Flow Less CapEx to Interest Expense		 1.18 0.80 1.98 1.88 0.87 1.07 6.88 4.40 2.32 2.13
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.11 0.08 0.13 0.13 0.09 0.09 0.11 0.13 0.12 0.14
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 36,883 34,343 35,033 38,674 34,954 28,476 28,162 27,064 29,885 32,042
Invested Capital Turnover		 0.22 0.20 0.36 0.36 0.25 0.30 0.36 0.46 0.48 0.52
Increase / (Decrease) in Invested Capital		 -1,055 -2,540 690 3,641 -3,720 -6,478 -314 -1,098 2,821 2,157
Enterprise Value (EV)		 32,872 35,663 34,804 29,218 29,151 23,670 30,794 18,632 17,858 27,189
Market Capitalization		 20,918 25,184 25,607 14,618 20,698 18,685 23,890 14,001 15,401 25,216
Book Value per Share		 $15.12 $17.51 $18.19 $20.42 $22.21 $20.50 $23.61 $26.94 $31.82 $39.45
Tangible Book Value per Share		 $13.14 $15.46 $15.96 $17.42 $18.59 $16.73 $19.46 $22.84 $27.39 $33.98
Total Capital		 36,883 34,343 35,033 38,674 34,954 28,476 28,162 27,064 29,885 32,042
Total Debt		 24,279 20,147 20,799 23,996 19,866 15,775 14,507 14,191 15,982 15,462
Total Long-Term Debt		 24,279 20,147 20,799 23,996 19,866 15,775 14,507 14,191 15,982 15,462
Net Debt		 11,954 10,479 9,197 14,600 7,719 4,251 6,170 3,897 1,723 751
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 -4,015 0.00 0.00 0.00 0.00 2,809 0.00 3,297 0.00 0.00
Net Nonoperating Obligations (NNO)		 24,279 20,147 20,799 23,996 19,866 15,775 14,507 14,191 15,982 15,462
Total Depreciation and Amortization (D&A)		 174 219 254 302 367 383 390 419 458 481
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.66 $2.71 $0.00 $3.76 $5.59 $2.28 $7.40 $6.19 $5.21 $8.64
Adjusted Weighted Average Basic Shares Outstanding		 833.83M 810.79M 0.00 709.86M 613.48M 583.88M 521.27M 437.04M 406.84M 388.75M
Adjusted Diluted Earnings per Share		 $2.65 $2.71 $0.00 $3.74 $5.56 $2.27 $7.34 $6.15 $5.19 $8.55
Adjusted Weighted Average Diluted Shares Outstanding		 833.83M 810.79M 0.00 709.86M 613.48M 583.88M 521.27M 437.04M 406.84M 388.75M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 833.83M 810.79M 0.00 709.86M 613.48M 583.88M 521.27M 437.04M 406.84M 388.75M
Normalized Net Operating Profit after Tax (NOPAT)		 -1,801 2,251 1,935 2,790 3,747 4,194 4,221 6,313 2,238 3,499
Normalized NOPAT Margin		 -21.45% 32.22% 15.65% 21.00% 41.03% 44.16% 41.41% 49.98% 16.42% 21.70%
Pre Tax Income Margin		 42.05% 51.10% 26.88% 27.43% 53.52% 18.92% 53.99% 31.37% 21.31% 28.24%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.42 0.44 0.77 0.73 0.47 0.78 5.33 5.45 0.78 0.98
NOPAT to Interest Expense		 -0.34 0.28 0.45 0.56 0.36 0.60 4.09 4.15 0.60 0.76
EBIT Less CapEx to Interest Expense		 0.42 0.44 0.77 0.73 0.47 0.78 5.33 5.45 0.78 0.98
NOPAT Less CapEx to Interest Expense		 -0.34 0.28 0.45 0.56 0.36 0.60 4.09 4.15 0.60 0.76
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 9.51% 23.05% 19.14% 15.51% 40.58% 12.84% 15.78% 20.02% 13.43%
Augmented Payout Ratio		 0.00% 30.65% 100.41% 86.09% 112.06% 111.70% 80.98% 125.86% 69.71% 42.24%

Quarterly Metrics and Ratios for Synchrony Financial

This table displays calculated financial ratios and metrics derived from Synchrony Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -19.30% 168.57% -43.45% 53.28% 74.97% -3.32% 52.65% 12.69% 9.76% 14.87%
EBITDA Growth		 -35.53% 357.71% -63.13% -27.05% -7.59% -7.82% 102.77% 12.87% 21.07% 20.98%
EBIT Growth		 -38.53% 406.12% -66.20% -30.39% -9.65% -8.44% 116.20% 13.75% 23.41% 21.61%
NOPAT Growth		 -38.39% -29.03% -65.98% -29.23% -10.67% -23.74% 115.14% 13.01% 25.64% 75.91%
Net Income Growth		 -38.39% -29.03% -35.52% -29.23% -10.67% -23.74% 115.14% 13.01% 25.64% 75.91%
EPS Growth		 -26.50% -12.08% -23.73% -17.50% 0.68% -20.61% 132.59% 17.42% 31.08% 84.62%
Operating Cash Flow Growth		 -9.97% -7.83% 35.10% 5.01% 51.90% 25.45% 19.19% 30.19% 11.32% 1.55%
Free Cash Flow Firm Growth		 -97.15% 48.62% -120.85% -151.31% -1,671.21% -242.15% -166.71% -95.91% -75.99% 41.92%
Invested Capital Growth		 2.39% -3.90% 5.04% 8.07% 6.09% 10.42% 11.69% 12.92% 9.01% 7.22%
Revenue Q/Q Growth		 -7.58% 157.75% -54.14% 72.55% 5.49% 42.42% -57.79% 27.39% 2.75% 49.06%
EBITDA Q/Q Growth		 -12.37% 296.20% -71.06% -5.11% 10.99% 295.26% -67.98% -47.18% 19.07% 294.95%
EBIT Q/Q Growth		 -13.51% 330.37% -73.77% -6.08% 12.26% 336.13% -69.43% -50.59% 21.80% 329.77%
NOPAT Q/Q Growth		 -12.56% -17.92% 4.16% -5.32% 10.37% -29.94% 193.86% -50.27% 22.71% -1.90%
Net Income Q/Q Growth		 -12.56% -17.92% 4.16% -5.32% 10.37% -29.94% 193.86% -50.27% 22.71% -1.90%
EPS Q/Q Growth		 -8.13% -10.88% 3.05% -2.22% 12.12% -29.73% 201.92% -50.64% 25.16% -1.03%
Operating Cash Flow Q/Q Growth		 -10.07% 13.04% 2.11% 1.17% 30.08% -6.65% -2.98% 10.50% 11.23% -14.84%
Free Cash Flow Firm Q/Q Growth		 -97.73% 2,437.88% -144.66% -99.47% 30.50% -129.60% 16.21% -46.52% 37.56% 24.22%
Invested Capital Q/Q Growth		 6.98% -0.98% 3.93% -1.83% 5.02% 3.06% 5.12% -0.76% 1.40% 1.36%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 51.71% 79.49% 47.20% 25.96% 27.31% 75.79% 62.70% 26.00% 30.13% 79.82%
EBIT Margin		 46.43% 77.52% 41.38% 22.53% 23.97% 73.41% 58.61% 22.74% 26.95% 77.71%
Profit (Net Income) Margin		 35.40% 11.27% 31.48% 17.27% 18.07% 8.89% 44.37% 17.32% 20.69% 13.61%
Tax Burden Percent		 76.25% 77.87% 76.08% 76.68% 75.39% 81.63% 75.70% 76.18% 76.75% 79.55%
Interest Burden Percent		 100.00% 18.67% 100.00% 100.00% 100.00% 14.84% 100.00% 100.00% 100.00% 22.02%
Effective Tax Rate		 23.75% 22.13% 23.92% 23.32% 24.61% 18.37% 24.30% 23.82% 23.25% 20.45%
Return on Invested Capital (ROIC)		 12.34% 5.16% 11.71% 7.38% 8.24% 4.25% 21.81% 8.87% 10.50% 7.09%
ROIC Less NNEP Spread (ROIC-NNEP)		 12.34% 5.16% 11.71% 7.38% 8.24% 4.25% 21.81% 8.87% 10.50% 7.09%
Return on Net Nonoperating Assets (RNNOA)		 12.40% 5.58% 12.45% 7.27% 9.09% 4.79% 23.79% 9.16% 10.90% 7.31%
Return on Equity (ROE)		 24.74% 10.73% 24.15% 14.65% 17.33% 9.05% 45.60% 18.03% 21.40% 14.40%
Cash Return on Invested Capital (CROIC)		 9.68% 26.84% 4.87% 1.46% 2.52% -2.05% -1.20% -1.91% 1.82% 4.33%
Operating Return on Assets (OROA)		 4.54% 9.77% 4.16% 2.51% 2.88% 9.01% 7.49% 2.99% 3.57% 10.58%
Return on Assets (ROA)		 3.46% 1.42% 3.16% 1.92% 2.17% 1.09% 5.67% 2.28% 2.74% 1.85%
Return on Common Equity (ROCE)		 23.39% 10.14% 22.82% 13.85% 16.38% 8.55% 42.47% 16.81% 20.00% 13.48%
Return on Equity Simple (ROE_SIMPLE)		 24.99% 0.00% 20.35% 18.31% 17.25% 0.00% 19.17% 19.33% 19.81% 0.00%
Net Operating Profit after Tax (NOPAT)		 703 577 601 569 628 440 1,293 643 789 774
NOPAT Margin		 35.40% 11.27% 31.48% 17.27% 18.07% 8.89% 44.37% 17.32% 20.69% 13.61%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 34.29% 14.55% 39.18% 23.16% 21.47% 17.50% 27.69% 20.74% 20.71% 14.64%
Operating Expenses to Revenue		 53.58% 22.48% 58.62% 35.49% 33.21% 26.59% 41.39% 31.71% 31.17% 22.29%
Earnings before Interest and Taxes (EBIT)		 922 3,968 790 742 833 3,633 1,708 844 1,028 4,418
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1,027 4,069 901 855 949 3,751 1,827 965 1,149 4,538
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.06 1.15 0.99 1.12 0.96 1.17 1.27 1.32 1.34 1.64
Price to Tangible Book Value (P/TBV)		 1.28 1.36 1.23 1.37 1.16 1.36 1.46 1.54 1.55 1.91
Price to Revenue (P/Rev)		 1.38 1.11 1.21 1.25 0.97 1.13 1.22 1.26 1.28 1.56
Price to Earnings (P/E)		 4.05 4.64 4.68 5.89 5.36 7.01 6.18 6.42 6.35 7.36
Dividend Yield		 3.30% 2.90% 3.23% 2.79% 3.16% 2.58% 2.27% 2.12% 2.00% 1.54%
Earnings Yield		 24.66% 21.54% 21.35% 16.97% 18.67% 14.26% 16.19% 15.58% 15.74% 13.59%
Enterprise Value to Invested Capital (EV/IC)		 0.59 0.69 0.45 0.59 0.44 0.60 0.48 0.55 0.59 0.85
Enterprise Value to Revenue (EV/Rev)		 1.71 1.48 1.24 1.44 0.99 1.31 1.04 1.14 1.21 1.69
Enterprise Value to EBITDA (EV/EBITDA)		 2.91 2.14 2.04 2.25 1.47 5.31 1.48 1.61 1.70 5.40
Enterprise Value to EBIT (EV/EBIT)		 3.15 2.25 2.19 2.39 1.55 6.15 1.55 1.68 1.77 5.97
Enterprise Value to NOPAT (EV/NOPAT)		 4.95 2.95 4.73 6.69 5.38 7.98 5.18 5.72 5.89 7.77
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.35 2.78 1.77 2.25 1.57 2.08 1.69 1.80 1.90 2.76
Enterprise Value to Free Cash Flow (EV/FCFF)		 6.16 2.51 9.50 42.14 17.99 0.00 0.00 0.00 33.82 20.26
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.10 1.10 1.13 1.06 1.11 1.15 1.06 1.01 0.98 0.93
Long-Term Debt to Equity		 1.10 1.10 1.13 1.06 1.11 1.15 1.06 1.01 0.98 0.93
Financial Leverage		 1.00 1.08 1.06 0.99 1.10 1.13 1.09 1.03 1.04 1.03
Leverage Ratio		 7.15 7.55 7.63 7.62 7.98 8.29 8.04 7.92 7.80 7.77
Compound Leverage Factor		 7.15 1.41 7.63 7.62 7.98 1.23 8.04 7.92 7.80 1.71
Debt to Total Capital		 52.39% 52.44% 53.09% 51.54% 52.52% 53.48% 51.35% 50.16% 49.45% 48.26%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 52.39% 52.44% 53.09% 51.54% 52.52% 53.48% 51.35% 50.16% 49.45% 48.26%
Preferred Equity to Total Capital		 2.69% 2.71% 2.61% 2.66% 2.53% 2.46% 3.89% 3.92% 3.87% 3.81%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 44.92% 44.85% 44.30% 45.80% 44.94% 44.07% 44.76% 45.92% 46.68% 47.93%
Debt to EBITDA		 2.59 1.63 2.40 1.96 1.75 4.75 1.57 1.47 1.42 3.07
Net Debt to EBITDA		 0.43 0.45 -0.06 0.21 -0.05 0.51 -0.38 -0.28 -0.21 0.15
Long-Term Debt to EBITDA		 2.59 1.63 2.40 1.96 1.75 4.75 1.57 1.47 1.42 3.07
Debt to NOPAT		 4.40 2.25 5.56 5.81 6.41 7.14 5.51 5.21 4.94 4.42
Net Debt to NOPAT		 0.73 0.62 -0.14 0.62 -0.17 0.77 -1.33 -1.00 -0.73 0.21
Long-Term Debt to NOPAT		 4.40 2.25 5.56 5.81 6.41 7.14 5.51 5.21 4.94 4.42
Noncontrolling Interest Sharing Ratio		 5.45% 5.53% 5.52% 5.48% 5.48% 5.48% 6.87% 6.76% 6.58% 6.42%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 66 1,675 -748 -1,492 -1,037 -2,381 -1,995 -2,923 -1,825 -1,383
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.03 0.00 -0.25 -1.66 -1.05 0.00 -0.52 -2.48 -1.55 0.00
Operating Cash Flow to Interest Expense		 0.68 0.00 0.64 2.12 2.50 0.00 0.59 2.11 2.35 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.68 0.00 0.64 2.12 2.50 0.00 0.59 2.11 2.35 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.10 0.13 0.10 0.11 0.12 0.12 0.13 0.13 0.13 0.14
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 27,333 27,064 28,127 27,611 28,998 29,885 31,415 31,177 31,612 32,042
Invested Capital Turnover		 0.35 0.46 0.37 0.43 0.46 0.48 0.49 0.51 0.51 0.52
Increase / (Decrease) in Invested Capital		 637 -1,098 1,349 2,061 1,665 2,821 3,288 3,566 2,614 2,157
Enterprise Value (EV)		 16,103 18,632 12,693 16,393 12,772 17,858 15,177 17,176 18,634 27,189
Market Capitalization		 13,010 14,001 12,328 14,134 12,450 15,401 17,843 18,949 19,714 25,216
Book Value per Share		 $25.49 $26.94 $28.51 $29.51 $31.17 $31.82 $35.01 $35.66 $37.34 $39.45
Tangible Book Value per Share		 $21.05 $22.84 $23.01 $24.07 $25.73 $27.39 $30.35 $30.55 $32.18 $33.98
Total Capital		 27,333 27,064 28,127 27,611 28,998 29,885 31,415 31,177 31,612 32,042
Total Debt		 14,321 14,191 14,934 14,231 15,231 15,982 16,133 15,637 15,632 15,462
Total Long-Term Debt		 14,321 14,191 14,934 14,231 15,231 15,982 16,133 15,637 15,632 15,462
Net Debt		 2,359 3,897 -369 1,525 -412 1,723 -3,888 -2,995 -2,302 751
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 14,321 14,191 14,934 14,231 15,231 15,982 16,133 15,637 15,632 15,462
Total Depreciation and Amortization (D&A)		 105 101 111 113 116 118 119 121 121 120
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.48 $1.31 $1.36 $1.32 $1.49 $1.04 $3.17 $1.56 $1.96 $1.95
Adjusted Weighted Average Basic Shares Outstanding		 450.54M 437.04M 428.57M 418.18M 413.80M 406.84M 401.54M 395.23M 389.34M 388.75M
Adjusted Diluted Earnings per Share		 $1.47 $1.31 $1.35 $1.32 $1.48 $1.04 $3.14 $1.55 $1.94 $1.92
Adjusted Weighted Average Diluted Shares Outstanding		 450.54M 437.04M 428.57M 418.18M 413.80M 406.84M 401.54M 395.23M 389.34M 388.75M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 450.54M 437.04M 428.57M 418.18M 413.80M 406.84M 401.54M 395.23M 389.34M 388.75M
Normalized Net Operating Profit after Tax (NOPAT)		 703 577 601 569 628 440 1,293 643 789 774
Normalized NOPAT Margin		 35.40% 11.27% 31.48% 17.27% 18.07% 8.89% 44.37% 17.32% 20.69% 13.61%
Pre Tax Income Margin		 46.43% 14.48% 41.38% 22.53% 23.97% 10.89% 58.61% 22.74% 26.95% 17.12%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.38 0.00 0.27 0.82 0.84 0.00 0.45 0.72 0.87 0.00
NOPAT to Interest Expense		 0.29 0.00 0.20 0.63 0.63 0.00 0.34 0.55 0.67 0.00
EBIT Less CapEx to Interest Expense		 0.38 0.00 0.27 0.82 0.84 0.00 0.45 0.72 0.87 0.00
NOPAT Less CapEx to Interest Expense		 0.29 0.00 0.20 0.63 0.63 0.00 0.34 0.55 0.67 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 15.16% 15.78% 17.24% 18.49% 18.82% 20.02% 15.36% 15.31% 14.72% 13.43%
Augmented Payout Ratio		 125.89% 125.86% 119.89% 114.73% 84.51% 69.71% 49.76% 48.93% 51.37% 42.24%

Frequently Asked Questions About Synchrony Financial's Financials

When does Synchrony Financial's financial year end?

According to the most recent income statement we have on file, Synchrony Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Synchrony Financial's net income changed over the last 9 years?

Synchrony Financial's net income appears to be on an upward trend, with a most recent value of $3.50 billion in 2024, rising from $2.21 billion in 2015. The previous period was $2.24 billion in 2023.

How has Synchrony Financial revenue changed over the last 9 years?

Over the last 9 years, Synchrony Financial's total revenue changed from $8.40 billion in 2015 to $16.13 billion in 2024, a change of 92.0%.

How much debt does Synchrony Financial have?

Synchrony Financial's total liabilities were at $102.88 billion at the end of 2024, a 0.7% decrease from 2023, and a 44.1% increase since 2015.

How much cash does Synchrony Financial have?

In the past 9 years, Synchrony Financial's cash and equivalents has ranged from $8.34 billion in 2021 to $14.71 billion in 2024, and is currently $14.71 billion as of their latest financial filing in 2024.

How has Synchrony Financial's book value per share changed over the last 9 years?

Over the last 9 years, Synchrony Financial's book value per share changed from 15.12 in 2015 to 39.45 in 2024, a change of 161.0%.

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This page (NYSE:SYF) was last updated on 4/15/2025 by MarketBeat.com Staff
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