Synchrony Financial (SYF) Financials

$53.49 -0.71 (-1.31%)

Closing price 05/6/2025 03:59 PM Eastern

Extended Trading

$54.10 +0.61 (+1.14%)

As of 08:02 AM Eastern

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
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	692	599	590	559	618	429	1,282	624	768	753	736
Consolidated Net Income / (Loss)	703	577	601	569	628	440	1,293	643	789	774	757
Net Income / (Loss) Continuing Operations	703	577	601	569	628	440	1,293	643	789	774	757
Total Pre-Tax Income	922	741	790	742	833	539	1,708	844	1,028	973	984
Total Revenue	1,986	5,119	1,909	3,294	3,475	4,949	2,914	3,712	3,814	5,685	3,718
Net Interest Income / (Expense)	1,942	5,089	1,844	4,120	4,362	6,673	1,757	4,405	4,609	7,240	4,464
Total Interest Income	4,342	4,708	4,786	5,021	5,354	5,549	5,568	5,582	5,785	5,710	5,550
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	5,312
Investment Securities Interest Income	84	132	170	209	203	226	275	281	263	230	238
Total Interest Expense	2,400	-3,756	2,942	901	992	-1,124	3,811	1,177	1,176	-1,530	1,086
Deposits Interest Expense	280	441	557	717	800	878	954	967	968	917	882
Long-Term Debt Interest Expense	134	161	178	184	192	205	209	210	208	201	204
Other Interest Expense	1,986	-983	2,207	887	979	-412	2,648	810	914	-965	895
Total Non-Interest Income	44	30	65	61	92	71	1,157	117	119	128	149
Other Service Charges	132	-257	131	19	52	-84	1,235	75	64	-59	75
Other Non-Interest Income	-88	287	-66	42	40	155	-78	42	55	187	74
Provision for Credit Losses	-	-	-	1,383	1,488	-	-	1,691	1,597	-	1,491
Total Non-Interest Expense	1,064	1,151	1,119	1,169	1,154	1,316	1,206	1,177	1,189	1,267	1,243
Salaries and Employee Benefits	416	459	451	451	444	538	496	434	464	478	506
Net Occupancy & Equipment Expense	150	165	166	179	177	190	186	207	203	207	219
Marketing Expense	115	121	131	133	125	138	125	129	123	147	116
Other Operating Expenses	383	406	371	406	408	450	399	407	399	435	402
Income Tax Expense	219	164	189	173	205	99	415	201	239	199	227
Basic Earnings per Share	$1.48	$1.31	$1.36	$1.32	$1.49	$1.04	$3.17	$1.56	$1.96	$1.95	$1.91
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	380.65M
Diluted Earnings per Share	$1.47	$1.31	$1.35	$1.32	$1.48	$1.04	$3.14	$1.55	$1.94	$1.92	$1.89
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	380.65M
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	380.65M
Cash Dividends to Common per Share	$0.23	-	$0.23	$0.23	$0.25	-	$0.25	$0.25	$0.25	-	$0.25

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
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	2,271	-2,631	5,490	-3,065	2,945	-1,379	5,650	-1,390	-699	-3,227	7,922
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	2,200
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	2,200
Net Income / (Loss) Continuing Operations	703	577	601	569	628	440	1,293	643	789	774	757
Consolidated Net Income / (Loss)	703	577	601	569	628	440	1,293	643	789	774	757
Provision For Loan Losses	929	1,201	1,290	1,383	1,488	1,804	1,884	1,691	1,597	1,561	1,491
Depreciation Expense	105	101	111	113	116	118	119	121	121	120	125
Non-Cash Adjustments to Reconcile Net Income	-111	-236	-88	-63	-120	-187	-1,042	-35	-72	-18	54
Changes in Operating Assets and Liabilities, net	8.00	204	-28	-94	370	142	-4.00	62	328	-84	-227
Net Cash From Investing Activities	-4,142	-6,858	692	-5,189	-2,568	-7,169	798	-2,507	-2,231	-4,963	3,603
Net Cash From Continuing Investing Activities	-4,142	-6,858	692	-5,189	-2,568	-7,169	798	-2,507	-2,231	-4,963	3,603
Purchase of Investment Securities	-1,040	-14,182	-532	-969	-649	-2,195	-675	-2,629	-543	-1,587	-680
Divestitures	-	-	0.00	-	-	-	491	-	-	-	0.00
Sale and/or Maturity of Investments	-3,102	7,324	1,224	-4,220	-1,919	-4,974	982	122	-1,688	-3,376	4,283
Net Cash From Financing Activities	4,779	2,380	2,912	216	3,031	3,473	2,604	-1,367	-1,231	-617	2,119
Net Cash From Continuing Financing Activities	4,779	2,380	2,912	216	3,031	3,473	2,604	-1,367	-1,231	-617	2,119
Net Change in Deposits	3,691	3,328	2,720	1,336	2,298	3,083	2,396	-458	-818	-241	1,370
Issuance of Debt	2,162	1,050	990	-	1,297	747	747	200	1,492	-	1,543
Issuance of Preferred Equity	-	-	0.00	-	-	-	488	-	-	-	0.00
Repayment of Debt	-	-1,184	-250	-707	-300	-	-600	-700	-1,500	-175	0.00
Repurchase of Common Equity	-950	-701	-404	-303	-152	-253	-300	-305	-302	-101	-605
Payment of Dividends	-120	-113	-111	-109	-114	-114	-113	-119	-120	-118	-118
Other Financing Activities, Net	-4.00	-	-33	-1.00	2.00	10	-14	15	17	18	-71

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
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Total Assets	100,766	104,564	107,853	108,697	112,939	117,479	121,173	120,489	119,229	119,463	122,026
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	21,629
Trading Account Securities	5,082	4,879	4,008	4,294	2,882	3,799	3,005	2,693	2,345	3,079	2,724
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	-10,828
Allowance for Loan and Lease Losses	9,102	9,527	-	9,804	10,176	10,571	10,905	10,982	11,029	10,929	10,828
Goodwill	1,105	1,105	1,105	1,105	1,105	1,018	1,073	1,274	1,274	1,274	1,274
Intangible Assets	1,033	742	1,297	1,226	1,169	815	800	776	765	854	847
Other Assets	90,686	97,071	86,140	99,170	102,316	107,903	107,179	108,096	107,940	110,474	106,380
Total Liabilities & Shareholders' Equity	100,766	104,564	107,853	108,697	112,939	117,479	121,173	120,489	119,229	119,463	122,026
Total Liabilities	87,754	91,691	94,660	95,317	99,172	103,576	105,891	104,949	103,249	102,883	105,445
Non-Interest Bearing Deposits	372	399	417	421	397	364	394	392	383	398	405
Interest Bearing Deposits	68,032	71,336	74,008	75,344	77,669	80,789	83,160	82,708	81,901	81,664	83,030
Long-Term Debt	14,321	14,191	14,934	14,231	15,231	15,982	16,133	15,637	15,632	15,462	17,009
Other Long-Term Liabilities	5,029	5,765	5,301	5,321	5,875	6,334	6,204	6,212	5,333	5,359	5,001
Total Equity & Noncontrolling Interests	13,012	12,873	13,193	13,380	13,767	13,903	15,282	15,540	15,980	16,580	16,581
Total Preferred & Common Equity	13,012	12,873	13,193	13,380	13,767	13,903	15,282	15,540	15,980	16,580	16,581
Preferred Stock	734	734	734	734	734	734	1,222	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	15,359
Common Stock	9,686	9,719	9,706	9,728	9,751	9,776	9,769	9,794	9,823	9,854	9,805
Retained Earnings	16,252	16,716	17,369	17,828	18,338	18,662	19,790	20,310	20,975	21,635	22,209
Treasury Stock	-13,473	-14,171	-14,514	-14,814	-14,960	-15,201	-15,430	-15,713	-15,990	-16,072	-16,602
Accumulated Other Comprehensive Income / (Loss)	-187	-125	-102	-96	-96	-68	-69	-73	-50	-59	-53

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
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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%

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	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-19.30%	168.57%	-43.45%	53.28%	74.97%	-3.32%	52.65%	12.69%	9.76%	14.87%	-22.51%
EBITDA Growth	-35.53%	357.71%	-63.13%	-27.05%	-7.59%	-7.82%	102.77%	12.87%	21.07%	20.98%	-39.30%
EBIT Growth	-38.53%	406.12%	-66.20%	-30.39%	-9.65%	-8.44%	116.20%	13.75%	23.41%	21.61%	-42.39%
NOPAT Growth	-38.39%	-29.03%	-65.98%	-29.23%	-10.67%	-23.74%	115.14%	13.01%	25.64%	75.91%	-41.45%
Net Income Growth	-38.39%	-29.03%	-35.52%	-29.23%	-10.67%	-23.74%	115.14%	13.01%	25.64%	75.91%	-41.45%
EPS Growth	-26.50%	-12.08%	-23.73%	-17.50%	0.68%	-20.61%	132.59%	17.42%	31.08%	84.62%	-39.81%
Operating Cash Flow Growth	-9.97%	-7.83%	35.10%	5.01%	51.90%	25.45%	19.19%	30.19%	11.32%	1.55%	-2.14%
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%	28.92%
Invested Capital Growth	2.39%	-3.90%	5.04%	8.07%	6.09%	10.42%	11.69%	12.92%	9.01%	7.22%	6.92%
Revenue Q/Q Growth	-7.58%	157.75%	-54.14%	72.55%	5.49%	42.42%	-57.79%	27.39%	2.75%	49.06%	-34.60%
EBITDA Q/Q Growth	-12.37%	296.20%	-71.06%	-5.11%	10.99%	295.26%	-67.98%	-47.18%	19.07%	294.95%	-75.56%
EBIT Q/Q Growth	-13.51%	330.37%	-73.77%	-6.08%	12.26%	336.13%	-69.43%	-50.59%	21.80%	329.77%	-77.73%
NOPAT Q/Q Growth	-12.56%	-17.92%	4.16%	-5.32%	10.37%	-29.94%	193.86%	-50.27%	22.71%	-1.90%	-2.20%
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%	-2.20%
EPS Q/Q Growth	-8.13%	-10.88%	3.05%	-2.22%	12.12%	-29.73%	201.92%	-50.64%	25.16%	-1.03%	-1.56%
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%	-6.50%
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%	-2.53%
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%	4.83%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	51.71%	79.49%	47.20%	25.96%	27.31%	75.79%	62.70%	26.00%	30.13%	79.82%	29.83%
EBIT Margin	46.43%	77.52%	41.38%	22.53%	23.97%	73.41%	58.61%	22.74%	26.95%	77.71%	26.47%
Profit (Net Income) Margin	35.40%	11.27%	31.48%	17.27%	18.07%	8.89%	44.37%	17.32%	20.69%	13.61%	20.36%
Tax Burden Percent	76.25%	77.87%	76.08%	76.68%	75.39%	81.63%	75.70%	76.18%	76.75%	79.55%	76.93%
Interest Burden Percent	100.00%	18.67%	100.00%	100.00%	100.00%	14.84%	100.00%	100.00%	100.00%	22.02%	100.00%
Effective Tax Rate	23.75%	22.13%	23.92%	23.32%	24.61%	18.37%	24.30%	23.82%	23.25%	20.45%	23.07%
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%	9.42%
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%	9.42%
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%	9.80%
Return on Equity (ROE)	24.74%	10.73%	24.15%	14.65%	17.33%	9.05%	45.60%	18.03%	21.40%	14.40%	19.23%
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%	2.42%
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%	3.27%
Return on Assets (ROA)	3.46%	1.42%	3.16%	1.92%	2.17%	1.09%	5.67%	2.28%	2.74%	1.85%	2.52%
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%	17.75%
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%	17.87%
Net Operating Profit after Tax (NOPAT)	703	577	601	569	628	440	1,293	643	789	774	757
NOPAT Margin	35.40%	11.27%	31.48%	17.27%	18.07%	8.89%	44.37%	17.32%	20.69%	13.61%	20.36%
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%	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%	22.62%
Operating Expenses to Revenue	53.58%	22.48%	58.62%	35.49%	33.21%	26.59%	41.39%	31.71%	31.17%	22.29%	33.43%
Earnings before Interest and Taxes (EBIT)	922	3,968	790	742	833	3,633	1,708	844	1,028	4,418	984
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1,027	4,069	901	855	949	3,751	1,827	965	1,149	4,538	1,109
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	1.34
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	1.55
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	1.37
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	7.14
Dividend Yield	3.30%	2.90%	3.23%	2.79%	3.16%	2.58%	2.27%	2.12%	2.00%	1.54%	1.89%
Earnings Yield	24.66%	21.54%	21.35%	16.97%	18.67%	14.26%	16.19%	15.58%	15.74%	13.59%	14.00%
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	0.51
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	1.14
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	3.98
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	4.49
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	5.80
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	1.75
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	21.81
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	1.03
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	1.03
Financial Leverage	1.00	1.08	1.06	0.99	1.10	1.13	1.09	1.03	1.04	1.03	1.04
Leverage Ratio	7.15	7.55	7.63	7.62	7.98	8.29	8.04	7.92	7.80	7.77	7.63
Compound Leverage Factor	7.15	1.41	7.63	7.62	7.98	1.23	8.04	7.92	7.80	1.71	7.63
Debt to Total Capital	52.39%	52.44%	53.09%	51.54%	52.52%	53.48%	51.35%	50.16%	49.45%	48.26%	50.64%
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%	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%	50.64%
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%	3.64%
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%	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%	45.72%
Debt to EBITDA	2.59	1.63	2.40	1.96	1.75	4.75	1.57	1.47	1.42	3.07	3.94
Net Debt to EBITDA	0.43	0.45	-0.06	0.21	-0.05	0.51	-0.38	-0.28	-0.21	0.15	-1.07
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	3.94
Debt to NOPAT	4.40	2.25	5.56	5.81	6.41	7.14	5.51	5.21	4.94	4.42	5.74
Net Debt to NOPAT	0.73	0.62	-0.14	0.62	-0.17	0.77	-1.33	-1.00	-0.73	0.21	-1.56
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	5.74
Noncontrolling Interest Sharing Ratio	5.45%	5.53%	5.52%	5.48%	5.48%	5.48%	6.87%	6.76%	6.58%	6.42%	7.67%
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	-1,418
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%	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	-1.31
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	2.03
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	2.03
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.10	0.13	0.10	0.11	0.12	0.12	0.13	0.13	0.13	0.14	0.12
Fixed Asset Turnover	0.00	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	33,590
Invested Capital Turnover	0.35	0.46	0.37	0.43	0.46	0.48	0.49	0.51	0.51	0.52	0.46
Increase / (Decrease) in Invested Capital	637	-1,098	1,349	2,061	1,665	2,821	3,288	3,566	2,614	2,157	2,175
Enterprise Value (EV)	16,103	18,632	12,693	16,393	12,772	17,858	15,177	17,176	18,634	27,189	17,182
Market Capitalization	13,010	14,001	12,328	14,134	12,450	15,401	17,843	18,949	19,714	25,216	20,580
Book Value per Share	$25.49	$26.94	$28.51	$29.51	$31.17	$31.82	$35.01	$35.66	$37.34	$39.45	$39.51
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	$34.05
Total Capital	27,333	27,064	28,127	27,611	28,998	29,885	31,415	31,177	31,612	32,042	33,590
Total Debt	14,321	14,191	14,934	14,231	15,231	15,982	16,133	15,637	15,632	15,462	17,009
Total Long-Term Debt	14,321	14,191	14,934	14,231	15,231	15,982	16,133	15,637	15,632	15,462	17,009
Net Debt	2,359	3,897	-369	1,525	-412	1,723	-3,888	-2,995	-2,302	751	-4,620
Capital Expenditures (CapEx)	0.00	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	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	17,009
Total Depreciation and Amortization (D&A)	105	101	111	113	116	118	119	121	121	120	125
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	$1.91
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	380.65M
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	$1.89
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	380.65M
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	$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	380.65M
Normalized Net Operating Profit after Tax (NOPAT)	703	577	601	569	628	440	1,293	643	789	774	757
Normalized NOPAT Margin	35.40%	11.27%	31.48%	17.27%	18.07%	8.89%	44.37%	17.32%	20.69%	13.61%	20.36%
Pre Tax Income Margin	46.43%	14.48%	41.38%	22.53%	23.97%	10.89%	58.61%	22.74%	26.95%	17.12%	26.47%
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	0.91
NOPAT to Interest Expense	0.29	0.00	0.20	0.63	0.63	0.00	0.34	0.55	0.67	0.00	0.70
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	0.91
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	0.70
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%	16.03%
Augmented Payout Ratio	125.89%	125.86%	119.89%	114.73%	84.51%	69.71%	49.76%	48.93%	51.37%	42.24%	60.34%

Frequently Asked Questions About Synchrony Financial's Financials

When does Synchrony Financial's fiscal year end?

According to the most recent income statement we have on file, Synchrony Financial's financial year ends in December. Their financial 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. View Synchrony Financial's forecast to see where analysts expect Synchrony Financial to go next.

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 5/7/2025 by MarketBeat.com Staff

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Synchrony Financial (SYF) Financials

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