Synchrony Financial (SYF) Financials

$57.63 -0.62 (-1.06%)

Closing price 05/30/2025 03:59 PM Eastern

Extended Trading

$57.40 -0.23 (-0.41%)

As of 05/30/2025 05:05 PM 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	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	3,427	2,196	3,016	4,179	1,385	3,747	2,790	1,935	2,251	7,267
Consolidated Net Income / (Loss)	3,499	2,238	3,016	4,221	1,385	3,747	2,790	1,935	2,251	2,214
Net Income / (Loss) Continuing Operations	3,499	2,238	3,016	4,221	1,385	3,747	2,790	1,935	2,251	7,267
Total Pre-Tax Income	4,553	2,904	3,962	5,503	1,797	4,887	3,644	3,324	3,570	3,531
Total Revenue	16,125	13,627	12,630	10,192	9,497	9,132	13,284	12,367	6,986	8,397
Net Interest Income / (Expense)	18,011	16,999	12,250	14,239	9,092	8,761	13,019	12,079	10,628	9,355
Total Interest Income	22,645	20,710	17,146	15,271	16,067	19,090	17,988	16,407	14,778	13,228
Loans and Leases Interest Income	21,596	19,902	16,881	15,228	15,950	18,705	17,644	16,219	14,682	13,179
Investment Securities Interest Income	1,049	808	265	43	117	385	344	188	96	49
Total Interest Expense	4,634	3,711	1,521	1,032	6,975	10,329	4,969	4,328	8,136	5,223
Deposits Interest Expense	3,806	2,952	1,008	566	1,094	1,566	1,186	848	727	607
Long-Term Debt Interest Expense	828	759	513	466	571	725	684	280	521	1,874
Other Interest Expense	3,407	3,661	3,375	4,528	5,310	8,038	3,099	3,200	6,888	2,742
Total Non-Interest Income	1,521	289	380	481	405	371	265	288	344	392
Other Service Charges	1,315	118	268	309	402	366	306	339	289	306
Other Non-Interest Income	206	171	112	172	3.00	5.00	-41	-51	55	86
Provision for Credit Losses	6,733	5,965	-	726	-	-	5,545	5,296	-	2,952
Total Non-Interest Expense	4,839	4,758	4,337	3,963	4,055	4,245	4,095	3,747	3,416	3,264
Salaries and Employee Benefits	1,872	1,884	1,681	1,501	1,380	1,455	1,427	1,304	1,198	1,042
Net Occupancy & Equipment Expense	803	712	623	550	492	485	426	373	338	297
Marketing Expense	524	527	487	486	448	549	528	498	423	433
Other Operating Expenses	1,640	1,635	1,546	1,426	1,735	1,756	1,714	1,572	1,457	1,492
Income Tax Expense	1,054	666	946	1,282	412	1,140	854	1,389	1,319	1,317
Basic Earnings per Share	$8.64	$5.21	$6.19	$7.40	$2.28	$5.59	$3.76	$2.43	$2.71	$2.66
Weighted Average Basic Shares Outstanding	388.75M	406.84M	437.04M	521.27M	583.88M	613.48M	742.30M	795.60M	810.79M	833.83M
Diluted Earnings per Share	$8.55	$5.19	$6.15	$7.34	$2.27	$5.56	$3.74	$2.42	$2.71	$2.65
Weighted Average Diluted Shares Outstanding	388.75M	406.84M	437.04M	521.27M	583.88M	613.48M	742.30M	795.60M	810.79M	833.83M
Weighted Average Basic & Diluted Shares Outstanding	388.75M	406.84M	437.04M	521.27M	583.88M	613.48M	742.30M	795.60M	810.79M	833.83M
Cash Dividends to Common per Share	$1.00	$0.96	$0.90	$0.88	$0.88	$0.86	$0.72	$0.56	$0.26	$0.00

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	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	736	753	768	624	1,282	429	618	559	590	599	692
Consolidated Net Income / (Loss)	757	774	789	643	1,293	440	628	569	601	577	703
Net Income / (Loss) Continuing Operations	757	774	789	643	1,293	440	628	569	601	577	703
Total Pre-Tax Income	984	973	1,028	844	1,708	539	833	742	790	741	922
Total Revenue	3,718	5,685	3,814	3,712	2,914	4,949	3,475	3,294	1,909	5,119	1,986
Net Interest Income / (Expense)	4,464	7,240	4,609	4,405	1,757	6,673	4,362	4,120	1,844	5,089	1,942
Total Interest Income	5,550	5,710	5,785	5,582	5,568	5,549	5,354	5,021	4,786	4,708	4,342
Loans and Leases Interest Income	5,312	5,480	5,522	5,301	5,293	5,323	5,151	4,812	4,616	4,576	4,258
Investment Securities Interest Income	238	230	263	281	275	226	203	209	170	132	84
Total Interest Expense	1,086	-1,530	1,176	1,177	3,811	-1,124	992	901	2,942	-3,756	2,400
Deposits Interest Expense	882	917	968	967	954	878	800	717	557	441	280
Long-Term Debt Interest Expense	204	201	208	210	209	205	192	184	178	161	134
Other Interest Expense	895	-965	914	810	2,648	-412	979	887	2,207	-983	1,986
Total Non-Interest Income	149	128	119	117	1,157	71	92	61	65	30	44
Other Service Charges	75	-59	64	75	1,235	-84	52	19	131	-257	132
Other Non-Interest Income	74	187	55	42	-78	155	40	42	-66	287	-88
Provision for Credit Losses	1,491	-	1,597	1,691	-	-	1,488	1,383	-	-	-
Total Non-Interest Expense	1,243	1,267	1,189	1,177	1,206	1,316	1,154	1,169	1,119	1,151	1,064
Salaries and Employee Benefits	506	478	464	434	496	538	444	451	451	459	416
Net Occupancy & Equipment Expense	219	207	203	207	186	190	177	179	166	165	150
Marketing Expense	116	147	123	129	125	138	125	133	131	121	115
Other Operating Expenses	402	435	399	407	399	450	408	406	371	406	383
Income Tax Expense	227	199	239	201	415	99	205	173	189	164	219
Basic Earnings per Share	$1.91	$1.95	$1.96	$1.56	$3.17	$1.04	$1.49	$1.32	$1.36	$1.31	$1.48
Weighted Average Basic Shares Outstanding	380.65M	388.75M	389.34M	395.23M	401.54M	406.84M	413.80M	418.18M	428.57M	437.04M	450.54M
Diluted Earnings per Share	$1.89	$1.92	$1.94	$1.55	$3.14	$1.04	$1.48	$1.32	$1.35	$1.31	$1.47
Weighted Average Diluted Shares Outstanding	380.65M	388.75M	389.34M	395.23M	401.54M	406.84M	413.80M	418.18M	428.57M	437.04M	450.54M
Weighted Average Basic & Diluted Shares Outstanding	380.65M	388.75M	389.34M	395.23M	401.54M	406.84M	413.80M	418.18M	428.57M	437.04M	450.54M
Cash Dividends to Common per Share	$0.25	-	$0.25	$0.25	$0.25	-	$0.25	$0.23	$0.23	-	$0.23

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	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	334	3,991	1,744	-2,919	-1,042	2,271	-1,441	2,149	-3,048	497
Net Cash From Operating Activities	9,848	8,593	6,694	7,099	7,487	8,990	9,342	8,575	6,511	6,184
Net Cash From Continuing Operating Activities	9,848	8,593	6,694	7,099	7,487	8,990	9,342	8,575	6,511	6,184
Net Income / (Loss) Continuing Operations	3,499	2,238	3,016	4,221	1,385	3,747	2,790	1,935	2,251	2,214
Consolidated Net Income / (Loss)	3,499	2,238	3,016	4,221	1,385	3,747	2,790	1,935	2,251	2,214
Provision For Loan Losses	6,733	5,965	3,375	726	5,310	4,180	5,545	5,296	3,986	2,952
Depreciation Expense	481	458	419	390	383	367	302	254	219	174
Non-Cash Adjustments to Reconcile Net Income	-1,167	-458	-421	219	-602	23	-53	385	389	-295
Changes in Operating Assets and Liabilities, net	302	390	305	1,543	1,011	673	758	705	-334	1,139
Net Cash From Investing Activities	-8,903	-14,234	-10,234	-4,814	-498	-261	-19,036	-9,542	-13,364	-10,803
Net Cash From Continuing Investing Activities	-8,903	-14,234	-10,234	-4,814	-498	-261	-19,036	-9,542	-13,364	-10,803
Purchase of Investment Securities	-5,434	-4,345	-18,148	-3,539	-10,303	-8,516	-24,704	-13,304	-3,652	-15,446
Divestitures	491	0.00	0.00	-	-	-	-	-	-	-
Sale and/or Maturity of Investments	-3,960	-9,889	7,914	-1,275	9,805	8,255	5,668	3,762	-9,712	3,930
Net Cash From Financing Activities	-611	9,632	5,284	-5,204	-8,031	-6,458	8,253	3,116	3,805	5,116
Net Cash From Continuing Financing Activities	-611	9,632	5,284	-5,204	-8,031	-6,458	8,253	3,116	3,805	5,116
Net Change in Deposits	879	9,437	9,453	-534	-2,369	1,117	7,509	4,431	8,666	8,261
Issuance of Debt	2,439	3,034	4,955	3,105	675	5,330	6,337	6,043	4,984	6,846
Issuance of Preferred Equity	488	0.00	0.00	-	-	734	0.00	0.00	-	-
Repayment of Debt	-2,975	-1,257	-5,284	-4,386	-4,783	-9,477	-3,157	-5,410	-9,150	-9,993
Repurchase of Common Equity	-1,008	-1,112	-3,320	-2,876	-985	-3,618	-1,868	-1,497	-476	0.00
Payment of Dividends	-470	-448	-476	-542	-562	-581	-534	-446	-214	0.00
Other Financing Activities, Net	36	-22	-44	29	-7.00	37	-34	-5.00	-5.00	2.00
Cash Interest Paid	4,662	3,551	1,356	1,034	1,691	2,272	1,815	1,350	1,160	1,040
Cash Income Taxes Paid	1,087	1,125	1,290	1,112	847	1,017	772	754	1,771	1,219

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	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	7,922	-3,227	-699	-1,390	5,650	-1,379	2,945	-3,065	5,490	-2,631	2,271
Net Cash From Operating Activities	2,200	2,353	2,763	2,484	2,248	2,317	2,482	1,908	1,886	1,847	1,634
Net Cash From Continuing Operating Activities	2,200	2,353	2,763	2,482	2,250	2,317	2,482	1,908	1,886	1,847	1,634
Net Income / (Loss) Continuing Operations	757	774	789	643	1,293	440	628	569	601	577	703
Consolidated Net Income / (Loss)	757	774	789	643	1,293	440	628	569	601	577	703
Provision For Loan Losses	1,491	1,561	1,597	1,691	1,884	1,804	1,488	1,383	1,290	1,201	929
Depreciation Expense	125	120	121	121	119	118	116	113	111	101	105
Non-Cash Adjustments to Reconcile Net Income	54	-18	-72	-35	-1,042	-187	-120	-63	-88	-236	-111
Changes in Operating Assets and Liabilities, net	-227	-84	328	62	-4.00	142	370	-94	-28	204	8.00
Net Cash From Investing Activities	3,603	-4,963	-2,231	-2,507	798	-7,169	-2,568	-5,189	692	-6,858	-4,142
Net Cash From Continuing Investing Activities	3,603	-4,963	-2,231	-2,507	798	-7,169	-2,568	-5,189	692	-6,858	-4,142
Purchase of Investment Securities	-680	-1,587	-543	-2,629	-675	-2,195	-649	-969	-532	-14,182	-1,040
Divestitures	0.00	-	-	-	491	-	-	-	0.00	-	-
Sale and/or Maturity of Investments	4,283	-3,376	-1,688	122	982	-4,974	-1,919	-4,220	1,224	7,324	-3,102
Net Cash From Financing Activities	2,119	-617	-1,231	-1,367	2,604	3,473	3,031	216	2,912	2,380	4,779
Net Cash From Continuing Financing Activities	2,119	-617	-1,231	-1,367	2,604	3,473	3,031	216	2,912	2,380	4,779
Net Change in Deposits	1,370	-241	-818	-458	2,396	3,083	2,298	1,336	2,720	3,328	3,691
Issuance of Debt	1,543	-	1,492	200	747	747	1,297	-	990	1,050	2,162
Issuance of Preferred Equity	0.00	-	-	-	488	-	-	-	0.00	-	-
Repayment of Debt	0.00	-175	-1,500	-700	-600	-	-300	-707	-250	-1,184	-
Repurchase of Common Equity	-605	-101	-302	-305	-300	-253	-152	-303	-404	-701	-950
Payment of Dividends	-118	-118	-120	-119	-113	-114	-114	-109	-111	-113	-120
Other Financing Activities, Net	-71	18	17	15	-14	10	2.00	-1.00	-33	-	-4.00

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	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	119,463	117,479	104,564	95,748	95,948	104,826	106,792	95,808	90,207	83,990
Cash and Due from Banks	14,711	14,259	10,294	8,337	11,524	12,147	9,396	11,602	9,321	12,325
Trading Account Securities	3,079	3,799	4,879	5,283	7,469	5,911	6,062	4,473	5,110	3,142
Loans and Leases, Net of Allowance	-10,929	-10,571	-9,527	-8,688	-10,265	-5,602	86,712	76,373	71,993	64,793
Allowance for Loan and Lease Losses	10,929	10,571	9,527	8,688	10,265	5,602	6,427	5,574	4,344	3,497
Goodwill	1,274	1,018	1,105	1,105	1,078	1,078	1,024	991	949	949
Intangible Assets	854	815	742	1,168	1,125	1,265	1,137	749	712	701
Other Assets	110,474	107,903	97,071	84,182	85,012	89,302	2,461	1,620	2,122	2,080
Total Liabilities & Shareholders' Equity	119,463	117,479	104,564	95,748	95,948	104,826	106,792	95,808	90,207	83,990
Total Liabilities	102,883	103,576	91,691	82,093	83,247	89,738	92,114	81,574	76,011	71,386
Non-Interest Bearing Deposits	398	364	399	359	313	277	281	212	159	152
Interest Bearing Deposits	81,664	80,789	71,336	61,911	62,469	64,877	63,738	56,276	51,896	43,215
Long-Term Debt	15,462	15,982	14,191	14,507	15,775	19,866	23,996	20,799	20,147	24,279
Other Long-Term Liabilities	5,359	6,334	5,765	5,316	4,690	4,718	4,099	4,287	3,809	3,740
Total Equity & Noncontrolling Interests	16,580	13,903	12,873	13,655	12,701	15,088	14,678	14,234	14,196	12,604
Total Preferred & Common Equity	16,580	13,903	12,873	13,655	12,701	15,088	14,678	14,234	14,196	12,604
Preferred Stock	1,222	734	734	734	734	734	0.00	-	-	-
Total Common Equity	15,358	13,169	12,139	12,921	11,967	14,354	14,678	14,234	14,196	12,604
Common Stock	9,854	9,776	9,719	9,670	9,571	9,538	9,483	9,446	9,394	9,352
Retained Earnings	21,635	18,662	16,716	14,245	10,621	12,117	8,986	6,809	5,330	3,293
Treasury Stock	-16,072	-15,201	-14,171	-10,925	-8,174	-7,243	-3,729	-1,957	-475	0.00
Accumulated Other Comprehensive Income / (Loss)	-59	-68	-125	-69	-51	-58	-62	-64	-53	-41

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	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Total Assets	122,026	119,463	119,229	120,489	121,173	117,479	112,939	108,697	107,853	104,564	100,766
Cash and Due from Banks	21,629	14,711	17,934	18,632	20,021	14,259	15,643	12,706	15,303	10,294	11,962
Trading Account Securities	2,724	3,079	2,345	2,693	3,005	3,799	2,882	4,294	4,008	4,879	5,082
Loans and Leases, Net of Allowance	-10,828	-10,929	-11,029	-10,982	-10,905	-10,571	-10,176	-9,804	0.00	-9,527	-9,102
Allowance for Loan and Lease Losses	10,828	10,929	11,029	10,982	10,905	10,571	10,176	9,804	-	9,527	9,102
Goodwill	1,274	1,274	1,274	1,274	1,073	1,018	1,105	1,105	1,105	1,105	1,105
Intangible Assets	847	854	765	776	800	815	1,169	1,226	1,297	742	1,033
Other Assets	106,380	110,474	107,940	108,096	107,179	107,903	102,316	99,170	86,140	97,071	90,686
Total Liabilities & Shareholders' Equity	122,026	119,463	119,229	120,489	121,173	117,479	112,939	108,697	107,853	104,564	100,766
Total Liabilities	105,445	102,883	103,249	104,949	105,891	103,576	99,172	95,317	94,660	91,691	87,754
Non-Interest Bearing Deposits	405	398	383	392	394	364	397	421	417	399	372
Interest Bearing Deposits	83,030	81,664	81,901	82,708	83,160	80,789	77,669	75,344	74,008	71,336	68,032
Long-Term Debt	17,009	15,462	15,632	15,637	16,133	15,982	15,231	14,231	14,934	14,191	14,321
Other Long-Term Liabilities	5,001	5,359	5,333	6,212	6,204	6,334	5,875	5,321	5,301	5,765	5,029
Total Equity & Noncontrolling Interests	16,581	16,580	15,980	15,540	15,282	13,903	13,767	13,380	13,193	12,873	13,012
Total Preferred & Common Equity	16,581	16,580	15,980	15,540	15,282	13,903	13,767	13,380	13,193	12,873	13,012
Preferred Stock	1,222	1,222	1,222	1,222	1,222	734	734	734	734	734	734
Total Common Equity	15,359	15,358	14,758	14,318	14,060	13,169	13,033	12,646	12,459	12,139	12,278
Common Stock	9,805	9,854	9,823	9,794	9,769	9,776	9,751	9,728	9,706	9,719	9,686
Retained Earnings	22,209	21,635	20,975	20,310	19,790	18,662	18,338	17,828	17,369	16,716	16,252
Treasury Stock	-16,602	-16,072	-15,990	-15,713	-15,430	-15,201	-14,960	-14,814	-14,514	-14,171	-13,473
Accumulated Other Comprehensive Income / (Loss)	-53	-59	-50	-73	-69	-68	-96	-96	-102	-125	-187

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

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	18.33%	7.89%	23.92%	7.32%	4.00%	-31.26%	7.41%	77.03%	-16.80%	3.76%
EBITDA Growth	49.73%	-61.41%	47.84%	1.17%	10.87%	33.15%	10.29%	-5.57%	60.89%	-1.05%
EBIT Growth	56.78%	-64.98%	50.70%	1.12%	11.36%	34.11%	9.63%	-6.89%	63.69%	-3.02%
NOPAT Growth	56.35%	-64.55%	49.56%	0.64%	11.94%	34.30%	44.19%	-14.04%	225.00%	-18.39%
Net Income Growth	56.35%	-25.80%	-28.55%	204.77%	-63.04%	34.30%	44.19%	-14.04%	1.67%	4.98%
EPS Growth	64.74%	-15.61%	-16.21%	223.35%	-59.17%	48.66%	54.55%	-10.70%	2.26%	-4.68%
Operating Cash Flow Growth	14.60%	28.37%	-5.71%	-5.18%	-16.72%	-3.77%	8.94%	31.70%	5.29%	15.81%
Free Cash Flow Firm Growth	330.19%	-107.87%	63.42%	-57.51%	42.93%	977.44%	-168.35%	-74.01%	742.40%	91.87%
Invested Capital Growth	7.22%	10.42%	-3.90%	-1.10%	-18.53%	-9.62%	10.39%	2.01%	-6.89%	-2.78%
Revenue Q/Q Growth	4.78%	6.12%	34.12%	36.07%	3.04%	-33.59%	-21.32%	111.08%	-18.36%	7.67%
EBITDA Q/Q Growth	-54.15%	-61.31%	57.48%	46.34%	6.55%	-1.44%	-70.07%	48.71%	-29.83%	27.37%
EBIT Q/Q Growth	-56.64%	-64.79%	62.32%	50.81%	7.06%	-1.83%	-71.74%	53.60%	-31.20%	29.28%
NOPAT Q/Q Growth	10.55%	-5.77%	94.12%	1.81%	204.38%	-1.37%	16.64%	-8.98%	1.31%	-181.93%
Net Income Q/Q Growth	10.55%	-5.77%	-7.26%	1.81%	0.51%	-1.37%	16.64%	-8.98%	1.31%	0.73%
EPS Q/Q Growth	11.47%	-4.95%	-2.84%	3.53%	3.65%	1.46%	18.35%	-7.63%	1.88%	1.15%
Operating Cash Flow Q/Q Growth	0.37%	5.79%	-2.29%	-1.14%	-3.23%	-2.60%	1.16%	9.51%	-2.47%	15.78%
Free Cash Flow Firm Q/Q Growth	143.56%	-182.11%	183.40%	-14.76%	18.70%	23.36%	18.49%	103.87%	-87.48%	0.00%
Invested Capital Q/Q Growth	1.36%	3.06%	-0.98%	5.49%	2.17%	-1.49%	2.48%	2.13%	0.00%	2.34%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	31.22%	24.67%	68.98%	57.82%	61.34%	57.53%	29.70%	28.93%	54.24%	28.05%
EBIT Margin	28.24%	21.31%	65.66%	53.99%	57.30%	53.52%	27.43%	26.88%	51.10%	25.97%
Profit (Net Income) Margin	21.70%	16.42%	23.88%	41.41%	14.58%	41.03%	21.00%	15.65%	32.22%	26.37%
Tax Burden Percent	76.85%	77.07%	76.12%	76.70%	77.07%	76.67%	76.56%	58.21%	63.05%	62.70%
Interest Burden Percent	100.00%	100.00%	47.78%	100.00%	33.02%	100.00%	100.00%	100.00%	100.00%	161.90%
Effective Tax Rate	23.15%	22.93%	23.88%	23.30%	22.93%	23.33%	23.44%	41.79%	36.95%	37.30%
Return on Invested Capital (ROIC)	11.30%	7.86%	22.86%	14.91%	13.23%	10.18%	7.57%	5.58%	6.32%	-4.81%
ROIC Less NNEP Spread (ROIC-NNEP)	11.30%	7.86%	-0.11%	14.91%	-2.54%	10.18%	7.57%	5.58%	6.32%	10.71%
Return on Net Nonoperating Assets (RNNOA)	11.66%	8.86%	-0.12%	17.13%	-3.26%	15.00%	11.73%	8.03%	10.48%	24.00%
Return on Equity (ROE)	22.96%	16.72%	22.74%	32.03%	9.97%	25.18%	19.30%	13.61%	16.80%	19.18%
Cash Return on Invested Capital (CROIC)	4.33%	-2.05%	26.84%	16.01%	33.65%	20.28%	-2.31%	3.59%	13.45%	-1.99%
Operating Return on Assets (OROA)	3.84%	2.62%	8.28%	5.74%	5.42%	4.62%	3.60%	3.57%	4.10%	2.73%
Return on Assets (ROA)	2.95%	2.02%	3.01%	4.40%	1.38%	3.54%	2.75%	2.08%	2.58%	2.77%
Return on Common Equity (ROCE)	21.48%	15.80%	21.48%	30.25%	9.44%	24.56%	19.30%	13.61%	16.80%	19.18%
Return on Equity Simple (ROE_SIMPLE)	21.10%	16.10%	23.43%	30.91%	10.90%	24.83%	19.01%	13.59%	15.86%	17.57%
Net Operating Profit after Tax (NOPAT)	3,499	2,238	6,313	4,221	4,194	3,747	2,790	1,935	2,251	-1,801
NOPAT Margin	21.70%	16.42%	49.98%	41.41%	44.16%	41.03%	21.00%	15.65%	32.22%	-21.45%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	22.98%	0.00%	15.76%	0.00%	0.00%	0.00%	0.00%	-15.52%
SG&A Expenses to Revenue	19.84%	22.92%	22.10%	24.89%	24.43%	27.26%	17.92%	17.59%	28.04%	21.10%
Operating Expenses to Revenue	30.01%	34.92%	34.34%	38.88%	42.70%	46.48%	30.83%	30.30%	48.90%	38.87%
Earnings before Interest and Taxes (EBIT)	4,553	2,904	8,293	5,503	5,442	4,887	3,644	3,324	3,570	2,181
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	5,034	3,362	8,712	5,893	5,825	5,254	3,946	3,578	3,789	2,355
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.64	1.17	1.15	1.85	1.56	1.44	1.00	1.80	1.77	1.66
Price to Tangible Book Value (P/TBV)	1.91	1.36	1.36	2.24	1.91	1.72	1.17	2.05	2.01	1.91
Price to Revenue (P/Rev)	1.56	1.13	1.11	2.34	1.97	2.27	1.10	2.07	3.61	2.49
Price to Earnings (P/E)	7.36	7.01	4.64	5.72	13.49	5.52	5.24	13.23	11.19	2.88
Dividend Yield	1.54%	2.58%	2.90%	2.02%	2.75%	2.69%	3.54%	1.71%	0.86%	0.00%
Earnings Yield	13.59%	14.26%	21.54%	17.49%	7.41%	18.10%	19.09%	7.56%	8.94%	34.74%
Enterprise Value to Invested Capital (EV/IC)	0.85	0.60	0.69	1.09	0.83	0.83	0.76	0.99	1.04	0.89
Enterprise Value to Revenue (EV/Rev)	1.69	1.31	1.48	3.02	2.49	3.19	2.20	2.81	5.11	3.91
Enterprise Value to EBITDA (EV/EBITDA)	5.40	5.31	2.14	5.23	4.06	5.55	7.40	9.73	9.41	13.96
Enterprise Value to EBIT (EV/EBIT)	5.97	6.15	2.25	5.60	4.35	5.96	8.02	10.47	9.99	15.07
Enterprise Value to NOPAT (EV/NOPAT)	7.77	7.98	2.95	7.30	5.64	7.78	10.47	17.99	15.84	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	2.76	2.08	2.78	4.34	3.16	3.24	3.13	4.06	5.48	5.32
Enterprise Value to Free Cash Flow (EV/FCFF)	20.26	0.00	2.51	6.79	2.22	3.90	0.00	27.96	7.44	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.93	1.15	1.10	1.06	1.24	1.32	1.63	1.46	1.42	1.93
Long-Term Debt to Equity	0.93	1.15	1.10	1.06	1.24	1.32	1.63	1.46	1.42	1.93
Financial Leverage	1.03	1.13	1.08	1.15	1.28	1.47	1.55	1.44	1.66	2.24
Leverage Ratio	7.77	8.29	7.55	7.27	7.22	7.11	7.01	6.54	6.50	6.92
Compound Leverage Factor	7.77	8.29	3.61	7.27	2.39	7.11	7.01	6.54	6.50	11.20
Debt to Total Capital	48.26%	53.48%	52.44%	51.51%	55.40%	56.83%	62.05%	59.37%	58.66%	65.83%
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	48.26%	53.48%	52.44%	51.51%	55.40%	56.83%	62.05%	59.37%	58.66%	65.83%
Preferred Equity to Total Capital	3.81%	2.46%	2.71%	2.61%	2.58%	2.10%	0.00%	0.00%	0.00%	0.00%
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	47.93%	44.07%	44.85%	45.88%	42.02%	41.07%	37.95%	40.63%	41.34%	34.17%
Debt to EBITDA	3.07	4.75	1.63	2.46	2.71	3.78	6.08	5.81	5.32	10.31
Net Debt to EBITDA	0.15	0.51	0.45	1.05	0.73	1.47	3.70	2.57	2.77	5.08
Long-Term Debt to EBITDA	3.07	4.75	1.63	2.46	2.71	3.78	6.08	5.81	5.32	10.31
Debt to NOPAT	4.42	7.14	2.25	3.44	3.76	5.30	8.60	10.75	8.95	-13.48
Net Debt to NOPAT	0.21	0.77	0.62	1.46	1.01	2.06	5.23	4.75	4.66	-6.64
Long-Term Debt to NOPAT	4.42	7.14	2.25	3.44	3.76	5.30	8.60	10.75	8.95	-13.48
Noncontrolling Interest Sharing Ratio	6.42%	5.48%	5.53%	5.57%	5.28%	2.47%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	1,342	-583	7,411	4,535	10,672	7,467	-851	1,245	4,791	-746
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	0.29	-0.16	4.87	4.39	1.53	0.72	-0.17	0.29	0.59	-0.14
Operating Cash Flow to Interest Expense	2.13	2.32	4.40	6.88	1.07	0.87	1.88	1.98	0.80	1.18
Operating Cash Flow Less CapEx to Interest Expense	2.13	2.32	4.40	6.88	1.07	0.87	1.88	1.98	0.80	1.18
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.14	0.12	0.13	0.11	0.09	0.09	0.13	0.13	0.08	0.11
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	32,042	29,885	27,064	28,162	28,476	34,954	38,674	35,033	34,343	36,883
Invested Capital Turnover	0.52	0.48	0.46	0.36	0.30	0.25	0.36	0.36	0.20	0.22
Increase / (Decrease) in Invested Capital	2,157	2,821	-1,098	-314	-6,478	-3,720	3,641	690	-2,540	-1,055
Enterprise Value (EV)	27,189	17,858	18,632	30,794	23,670	29,151	29,218	34,804	35,663	32,872
Market Capitalization	25,216	15,401	14,001	23,890	18,685	20,698	14,618	25,607	25,184	20,918
Book Value per Share	$39.45	$31.82	$26.94	$23.61	$20.50	$22.21	$20.42	$18.19	$17.51	$15.12
Tangible Book Value per Share	$33.98	$27.39	$22.84	$19.46	$16.73	$18.59	$17.42	$15.96	$15.46	$13.14
Total Capital	32,042	29,885	27,064	28,162	28,476	34,954	38,674	35,033	34,343	36,883
Total Debt	15,462	15,982	14,191	14,507	15,775	19,866	23,996	20,799	20,147	24,279
Total Long-Term Debt	15,462	15,982	14,191	14,507	15,775	19,866	23,996	20,799	20,147	24,279
Net Debt	751	1,723	3,897	6,170	4,251	7,719	14,600	9,197	10,479	11,954
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	3,297	0.00	2,809	0.00	0.00	0.00	0.00	-4,015
Net Nonoperating Obligations (NNO)	15,462	15,982	14,191	14,507	15,775	19,866	23,996	20,799	20,147	24,279
Total Depreciation and Amortization (D&A)	481	458	419	390	383	367	302	254	219	174
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$8.64	$5.21	$6.19	$7.40	$2.28	$5.59	$3.76	$0.00	$2.71	$2.66
Adjusted Weighted Average Basic Shares Outstanding	388.75M	406.84M	437.04M	521.27M	583.88M	613.48M	709.86M	0.00	810.79M	833.83M
Adjusted Diluted Earnings per Share	$8.55	$5.19	$6.15	$7.34	$2.27	$5.56	$3.74	$0.00	$2.71	$2.65
Adjusted Weighted Average Diluted Shares Outstanding	388.75M	406.84M	437.04M	521.27M	583.88M	613.48M	709.86M	0.00	810.79M	833.83M
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	388.75M	406.84M	437.04M	521.27M	583.88M	613.48M	709.86M	0.00	810.79M	833.83M
Normalized Net Operating Profit after Tax (NOPAT)	3,499	2,238	6,313	4,221	4,194	3,747	2,790	1,935	2,251	-1,801
Normalized NOPAT Margin	21.70%	16.42%	49.98%	41.41%	44.16%	41.03%	21.00%	15.65%	32.22%	-21.45%
Pre Tax Income Margin	28.24%	21.31%	31.37%	53.99%	18.92%	53.52%	27.43%	26.88%	51.10%	42.05%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.98	0.78	5.45	5.33	0.78	0.47	0.73	0.77	0.44	0.42
NOPAT to Interest Expense	0.76	0.60	4.15	4.09	0.60	0.36	0.56	0.45	0.28	-0.34
EBIT Less CapEx to Interest Expense	0.98	0.78	5.45	5.33	0.78	0.47	0.73	0.77	0.44	0.42
NOPAT Less CapEx to Interest Expense	0.76	0.60	4.15	4.09	0.60	0.36	0.56	0.45	0.28	-0.34
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	13.43%	20.02%	15.78%	12.84%	40.58%	15.51%	19.14%	23.05%	9.51%	0.00%
Augmented Payout Ratio	42.24%	69.71%	125.86%	80.98%	111.70%	112.06%	86.09%	100.41%	30.65%	0.00%

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

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-22.51%	14.87%	9.76%	12.69%	52.65%	-3.32%	74.97%	53.28%	-43.45%	168.57%	-19.30%
EBITDA Growth	-39.30%	20.98%	21.07%	12.87%	102.77%	-7.82%	-7.59%	-27.05%	-63.13%	357.71%	-35.53%
EBIT Growth	-42.39%	21.61%	23.41%	13.75%	116.20%	-8.44%	-9.65%	-30.39%	-66.20%	406.12%	-38.53%
NOPAT Growth	-41.45%	75.91%	25.64%	13.01%	115.14%	-23.74%	-10.67%	-29.23%	-65.98%	-29.03%	-38.39%
Net Income Growth	-41.45%	75.91%	25.64%	13.01%	115.14%	-23.74%	-10.67%	-29.23%	-35.52%	-29.03%	-38.39%
EPS Growth	-39.81%	84.62%	31.08%	17.42%	132.59%	-20.61%	0.68%	-17.50%	-23.73%	-12.08%	-26.50%
Operating Cash Flow Growth	-2.14%	1.55%	11.32%	30.19%	19.19%	25.45%	51.90%	5.01%	35.10%	-7.83%	-9.97%
Free Cash Flow Firm Growth	28.92%	41.92%	-75.99%	-95.91%	-166.71%	-242.15%	-1,671.21%	-151.31%	-120.85%	48.62%	-97.15%
Invested Capital Growth	6.92%	7.22%	9.01%	12.92%	11.69%	10.42%	6.09%	8.07%	5.04%	-3.90%	2.39%
Revenue Q/Q Growth	-34.60%	49.06%	2.75%	27.39%	-57.79%	42.42%	5.49%	72.55%	-54.14%	157.75%	-7.58%
EBITDA Q/Q Growth	-75.56%	294.95%	19.07%	-47.18%	-67.98%	295.26%	10.99%	-5.11%	-71.06%	296.20%	-12.37%
EBIT Q/Q Growth	-77.73%	329.77%	21.80%	-50.59%	-69.43%	336.13%	12.26%	-6.08%	-73.77%	330.37%	-13.51%
NOPAT Q/Q Growth	-2.20%	-1.90%	22.71%	-50.27%	193.86%	-29.94%	10.37%	-5.32%	4.16%	-17.92%	-12.56%
Net Income Q/Q Growth	-2.20%	-1.90%	22.71%	-50.27%	193.86%	-29.94%	10.37%	-5.32%	4.16%	-17.92%	-12.56%
EPS Q/Q Growth	-1.56%	-1.03%	25.16%	-50.64%	201.92%	-29.73%	12.12%	-2.22%	3.05%	-10.88%	-8.13%
Operating Cash Flow Q/Q Growth	-6.50%	-14.84%	11.23%	10.50%	-2.98%	-6.65%	30.08%	1.17%	2.11%	13.04%	-10.07%
Free Cash Flow Firm Q/Q Growth	-2.53%	24.22%	37.56%	-46.52%	16.21%	-129.60%	30.50%	-99.47%	-144.66%	2,437.88%	-97.73%
Invested Capital Q/Q Growth	4.83%	1.36%	1.40%	-0.76%	5.12%	3.06%	5.02%	-1.83%	3.93%	-0.98%	6.98%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	29.83%	79.82%	30.13%	26.00%	62.70%	75.79%	27.31%	25.96%	47.20%	79.49%	51.71%
EBIT Margin	26.47%	77.71%	26.95%	22.74%	58.61%	73.41%	23.97%	22.53%	41.38%	77.52%	46.43%
Profit (Net Income) Margin	20.36%	13.61%	20.69%	17.32%	44.37%	8.89%	18.07%	17.27%	31.48%	11.27%	35.40%
Tax Burden Percent	76.93%	79.55%	76.75%	76.18%	75.70%	81.63%	75.39%	76.68%	76.08%	77.87%	76.25%
Interest Burden Percent	100.00%	22.02%	100.00%	100.00%	100.00%	14.84%	100.00%	100.00%	100.00%	18.67%	100.00%
Effective Tax Rate	23.07%	20.45%	23.25%	23.82%	24.30%	18.37%	24.61%	23.32%	23.92%	22.13%	23.75%
Return on Invested Capital (ROIC)	9.42%	7.09%	10.50%	8.87%	21.81%	4.25%	8.24%	7.38%	11.71%	5.16%	12.34%
ROIC Less NNEP Spread (ROIC-NNEP)	9.42%	7.09%	10.50%	8.87%	21.81%	4.25%	8.24%	7.38%	11.71%	5.16%	12.34%
Return on Net Nonoperating Assets (RNNOA)	9.80%	7.31%	10.90%	9.16%	23.79%	4.79%	9.09%	7.27%	12.45%	5.58%	12.40%
Return on Equity (ROE)	19.23%	14.40%	21.40%	18.03%	45.60%	9.05%	17.33%	14.65%	24.15%	10.73%	24.74%
Cash Return on Invested Capital (CROIC)	2.42%	4.33%	1.82%	-1.91%	-1.20%	-2.05%	2.52%	1.46%	4.87%	26.84%	9.68%
Operating Return on Assets (OROA)	3.27%	10.58%	3.57%	2.99%	7.49%	9.01%	2.88%	2.51%	4.16%	9.77%	4.54%
Return on Assets (ROA)	2.52%	1.85%	2.74%	2.28%	5.67%	1.09%	2.17%	1.92%	3.16%	1.42%	3.46%
Return on Common Equity (ROCE)	17.75%	13.48%	20.00%	16.81%	42.47%	8.55%	16.38%	13.85%	22.82%	10.14%	23.39%
Return on Equity Simple (ROE_SIMPLE)	17.87%	0.00%	19.81%	19.33%	19.17%	0.00%	17.25%	18.31%	20.35%	0.00%	24.99%
Net Operating Profit after Tax (NOPAT)	757	774	789	643	1,293	440	628	569	601	577	703
NOPAT Margin	20.36%	13.61%	20.69%	17.32%	44.37%	8.89%	18.07%	17.27%	31.48%	11.27%	35.40%
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	22.62%	14.64%	20.71%	20.74%	27.69%	17.50%	21.47%	23.16%	39.18%	14.55%	34.29%
Operating Expenses to Revenue	33.43%	22.29%	31.17%	31.71%	41.39%	26.59%	33.21%	35.49%	58.62%	22.48%	53.58%
Earnings before Interest and Taxes (EBIT)	984	4,418	1,028	844	1,708	3,633	833	742	790	3,968	922
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1,109	4,538	1,149	965	1,827	3,751	949	855	901	4,069	1,027
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.34	1.64	1.34	1.32	1.27	1.17	0.96	1.12	0.99	1.15	1.06
Price to Tangible Book Value (P/TBV)	1.55	1.91	1.55	1.54	1.46	1.36	1.16	1.37	1.23	1.36	1.28
Price to Revenue (P/Rev)	1.37	1.56	1.28	1.26	1.22	1.13	0.97	1.25	1.21	1.11	1.38
Price to Earnings (P/E)	7.14	7.36	6.35	6.42	6.18	7.01	5.36	5.89	4.68	4.64	4.05
Dividend Yield	1.89%	1.54%	2.00%	2.12%	2.27%	2.58%	3.16%	2.79%	3.23%	2.90%	3.30%
Earnings Yield	14.00%	13.59%	15.74%	15.58%	16.19%	14.26%	18.67%	16.97%	21.35%	21.54%	24.66%
Enterprise Value to Invested Capital (EV/IC)	0.51	0.85	0.59	0.55	0.48	0.60	0.44	0.59	0.45	0.69	0.59
Enterprise Value to Revenue (EV/Rev)	1.14	1.69	1.21	1.14	1.04	1.31	0.99	1.44	1.24	1.48	1.71
Enterprise Value to EBITDA (EV/EBITDA)	3.98	5.40	1.70	1.61	1.48	5.31	1.47	2.25	2.04	2.14	2.91
Enterprise Value to EBIT (EV/EBIT)	4.49	5.97	1.77	1.68	1.55	6.15	1.55	2.39	2.19	2.25	3.15
Enterprise Value to NOPAT (EV/NOPAT)	5.80	7.77	5.89	5.72	5.18	7.98	5.38	6.69	4.73	2.95	4.95
Enterprise Value to Operating Cash Flow (EV/OCF)	1.75	2.76	1.90	1.80	1.69	2.08	1.57	2.25	1.77	2.78	2.35
Enterprise Value to Free Cash Flow (EV/FCFF)	21.81	20.26	33.82	0.00	0.00	0.00	17.99	42.14	9.50	2.51	6.16
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.03	0.93	0.98	1.01	1.06	1.15	1.11	1.06	1.13	1.10	1.10
Long-Term Debt to Equity	1.03	0.93	0.98	1.01	1.06	1.15	1.11	1.06	1.13	1.10	1.10
Financial Leverage	1.04	1.03	1.04	1.03	1.09	1.13	1.10	0.99	1.06	1.08	1.00
Leverage Ratio	7.63	7.77	7.80	7.92	8.04	8.29	7.98	7.62	7.63	7.55	7.15
Compound Leverage Factor	7.63	1.71	7.80	7.92	8.04	1.23	7.98	7.62	7.63	1.41	7.15
Debt to Total Capital	50.64%	48.26%	49.45%	50.16%	51.35%	53.48%	52.52%	51.54%	53.09%	52.44%	52.39%
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	50.64%	48.26%	49.45%	50.16%	51.35%	53.48%	52.52%	51.54%	53.09%	52.44%	52.39%
Preferred Equity to Total Capital	3.64%	3.81%	3.87%	3.92%	3.89%	2.46%	2.53%	2.66%	2.61%	2.71%	2.69%
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	45.72%	47.93%	46.68%	45.92%	44.76%	44.07%	44.94%	45.80%	44.30%	44.85%	44.92%
Debt to EBITDA	3.94	3.07	1.42	1.47	1.57	4.75	1.75	1.96	2.40	1.63	2.59
Net Debt to EBITDA	-1.07	0.15	-0.21	-0.28	-0.38	0.51	-0.05	0.21	-0.06	0.45	0.43
Long-Term Debt to EBITDA	3.94	3.07	1.42	1.47	1.57	4.75	1.75	1.96	2.40	1.63	2.59
Debt to NOPAT	5.74	4.42	4.94	5.21	5.51	7.14	6.41	5.81	5.56	2.25	4.40
Net Debt to NOPAT	-1.56	0.21	-0.73	-1.00	-1.33	0.77	-0.17	0.62	-0.14	0.62	0.73
Long-Term Debt to NOPAT	5.74	4.42	4.94	5.21	5.51	7.14	6.41	5.81	5.56	2.25	4.40
Noncontrolling Interest Sharing Ratio	7.67%	6.42%	6.58%	6.76%	6.87%	5.48%	5.48%	5.48%	5.52%	5.53%	5.45%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-1,418	-1,383	-1,825	-2,923	-1,995	-2,381	-1,037	-1,492	-748	1,675	66
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	-1.31	0.00	-1.55	-2.48	-0.52	0.00	-1.05	-1.66	-0.25	0.00	0.03
Operating Cash Flow to Interest Expense	2.03	0.00	2.35	2.11	0.59	0.00	2.50	2.12	0.64	0.00	0.68
Operating Cash Flow Less CapEx to Interest Expense	2.03	0.00	2.35	2.11	0.59	0.00	2.50	2.12	0.64	0.00	0.68
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.12	0.14	0.13	0.13	0.13	0.12	0.12	0.11	0.10	0.13	0.10
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	33,590	32,042	31,612	31,177	31,415	29,885	28,998	27,611	28,127	27,064	27,333
Invested Capital Turnover	0.46	0.52	0.51	0.51	0.49	0.48	0.46	0.43	0.37	0.46	0.35
Increase / (Decrease) in Invested Capital	2,175	2,157	2,614	3,566	3,288	2,821	1,665	2,061	1,349	-1,098	637
Enterprise Value (EV)	17,182	27,189	18,634	17,176	15,177	17,858	12,772	16,393	12,693	18,632	16,103
Market Capitalization	20,580	25,216	19,714	18,949	17,843	15,401	12,450	14,134	12,328	14,001	13,010
Book Value per Share	$39.51	$39.45	$37.34	$35.66	$35.01	$31.82	$31.17	$29.51	$28.51	$26.94	$25.49
Tangible Book Value per Share	$34.05	$33.98	$32.18	$30.55	$30.35	$27.39	$25.73	$24.07	$23.01	$22.84	$21.05
Total Capital	33,590	32,042	31,612	31,177	31,415	29,885	28,998	27,611	28,127	27,064	27,333
Total Debt	17,009	15,462	15,632	15,637	16,133	15,982	15,231	14,231	14,934	14,191	14,321
Total Long-Term Debt	17,009	15,462	15,632	15,637	16,133	15,982	15,231	14,231	14,934	14,191	14,321
Net Debt	-4,620	751	-2,302	-2,995	-3,888	1,723	-412	1,525	-369	3,897	2,359
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)	17,009	15,462	15,632	15,637	16,133	15,982	15,231	14,231	14,934	14,191	14,321
Total Depreciation and Amortization (D&A)	125	120	121	121	119	118	116	113	111	101	105
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.91	$1.95	$1.96	$1.56	$3.17	$1.04	$1.49	$1.32	$1.36	$1.31	$1.48
Adjusted Weighted Average Basic Shares Outstanding	380.65M	388.75M	389.34M	395.23M	401.54M	406.84M	413.80M	418.18M	428.57M	437.04M	450.54M
Adjusted Diluted Earnings per Share	$1.89	$1.92	$1.94	$1.55	$3.14	$1.04	$1.48	$1.32	$1.35	$1.31	$1.47
Adjusted Weighted Average Diluted Shares Outstanding	380.65M	388.75M	389.34M	395.23M	401.54M	406.84M	413.80M	418.18M	428.57M	437.04M	450.54M
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	380.65M	388.75M	389.34M	395.23M	401.54M	406.84M	413.80M	418.18M	428.57M	437.04M	450.54M
Normalized Net Operating Profit after Tax (NOPAT)	757	774	789	643	1,293	440	628	569	601	577	703
Normalized NOPAT Margin	20.36%	13.61%	20.69%	17.32%	44.37%	8.89%	18.07%	17.27%	31.48%	11.27%	35.40%
Pre Tax Income Margin	26.47%	17.12%	26.95%	22.74%	58.61%	10.89%	23.97%	22.53%	41.38%	14.48%	46.43%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.91	0.00	0.87	0.72	0.45	0.00	0.84	0.82	0.27	0.00	0.38
NOPAT to Interest Expense	0.70	0.00	0.67	0.55	0.34	0.00	0.63	0.63	0.20	0.00	0.29
EBIT Less CapEx to Interest Expense	0.91	0.00	0.87	0.72	0.45	0.00	0.84	0.82	0.27	0.00	0.38
NOPAT Less CapEx to Interest Expense	0.70	0.00	0.67	0.55	0.34	0.00	0.63	0.63	0.20	0.00	0.29
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	16.03%	13.43%	14.72%	15.31%	15.36%	20.02%	18.82%	18.49%	17.24%	15.78%	15.16%
Augmented Payout Ratio	60.34%	42.24%	51.37%	48.93%	49.76%	69.71%	84.51%	114.73%	119.89%	125.86%	125.89%

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. See Synchrony Financial's forecast for analyst expectations on what’s next for the company.

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 5/31/2025 by MarketBeat.com Staff

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Synchrony Financial (SYF) Financials

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Synchrony Financial (SYF) Financials

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