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Synchrony Financial

NYSE: SYF

Stock price

75.52 USD

(+0%) TODAY

Consumer FinanceFinancial - Credit Services
Financials

all figures in US$ Millions except per share data

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Actual
10 year cagr
Help
Where available up to 10y CAGR shown for absolute numbers 10y Average marked A shown for relative numbers such as margins
Fiscal
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Average (A)
Fiscal period end dates
Expand all rows
01Earnings per share
Help
Earnings per share = Net Income / Number of Shares Outstanding
2.7
2.7
2.4
3.7
5.6
2.3
7.3
6.2
5.2
8.6
9.3
13.4%
02Free cash flow per share
7.4
8.2
11.1
12.5
13.3
12.7
12.5
13.8
20.3
24.6
27.5
14%
03Dividends per share
-
0.3
0.6
0.7
0.9
0.9
0.9
0.9
1
1
1.2
-
04Dividends payout, %
-
9.5%
23.1%
19.1%
15.5%
40.6%
12.8%
15.8%
20%
13.4%
14.4%
-
PROFIT AND LOSS STATEMENT
05Revenue
$ 10,882
$ 12,220
$ 13,758
$ 15,154
$ 15,603
$ 12,827
$ 11,224
$ 13,195
$ 17,338
$ 20,759
$ 19,116
5.8%
06% Change
-
12.3%
12.6%
10.2%
3%
(17.8)%
(12.5)%
17.6%
31.4%
19.7%
(7.9)%
5.8%
07Cost of revenue
(4,087)
(5,234)
(6,687)
(7,415)
(6,471)
(6,975)
(1,758)
(4,896)
(9,676)
(11,367)
(9,360)
8.6%
08Gross profit
6,795
6,986
7,071
7,739
9,132
5,852
9,466
8,299
7,662
9,392
9,756
3.7%
09% Margin
62.4%
57.2%
51.4%
51.1%
58.5%
45.6%
84.3%
62.9%
44.2%
45.2%
51%
55.8% A
10Operating expenses
(3,264)
(3,416)
(3,747)
(4,095)
(4,245)
(4,055)
(3,963)
(4,337)
(4,758)
(4,839)
(5,135)
4.6%
11% of Revenue
(30)%
(28)%
(27.2)%
(27)%
(27.2)%
(31.6)%
(35.3)%
(32.9)%
(27.4)%
(23.3)%
(26.9)%
(28.8)% A
12Operating Income
3,531
3,570
3,324
3,644
4,887
1,797
5,503
3,962
2,904
4,553
4,621
2.7%
13Income tax expense
(1,317)
(1,319)
(1,389)
(854)
(1,140)
(412)
(1,282)
(946)
(666)
(1,054)
(1,069)
(2.1)%
14Net Income
2,214
2,251
1,935
2,790
3,747
1,385
4,221
3,016
2,238
3,499
3,552
4.8%
15% Margin
20.4%
18.4%
14.1%
18.4%
24%
10.8%
37.6%
22.9%
12.9%
16.9%
18.6%
19.5% A
16Shares Outstanding
835,500
831,500
799,700
746,900
673,500
590,800
569,300
483,400
423,500
400,600
357,843
(8.1)%
17EPS Basic
2.7
2.7
2.4
3.8
5.6
2.3
7.4
6.2
5.2
8.6
9.4
13.4%
18EPS Diluted
2.7
2.7
2.4
3.7
5.6
2.3
7.3
6.2
5.2
8.6
9.3
13.4%
19EBITDA
3,705
3,789
3,578
3,946
5,254
2,180
5,893
4,381
3,362
5,034
5,135
3.3%
% Margin
34.1%
31%
26%
26%
33.7%
17%
52.5%
33.2%
19.4%
24.3%
26.9%
29.5% A
20Net Interest Income (expense)
12,093
13,530
15,016
16,118
16,799
14,402
14,239
15,625
16,999
18,011
18,466
4.3%
21Net Debt / EBITDA
3.2
2.9
2.6
3.7
1.5
2
1
0.9
0.5
0.1
-
1.7 A
BALANCE SHEET
ASSETS
Current Assets
22Cash & equivalents
12,325
9,321
11,602
9,396
12,147
11,524
8,337
10,294
14,259
14,711
14,973
2%
23Short-term investments
3,127
5,095
4,473
6,062
5,911
7,469
5,283
4,879
3,799
3,079
2,348
(2.8)%
24Accounts receivable
-
-
-
-
-
-
-
-
-
-
-
-
25Other current assets
-
-
-
-
-
-
-
-
-
-
-
-
26Inventory
-
-
-
-
-
-
-
-
-
-
-
-
27Total Current Assets
15,452
14,416
16,075
15,458
18,058
18,993
13,620
15,173
18,058
17,790
17,321
1.2%
Non-Current Assets
28Net property, plant & equipment
-
-
-
-
-
-
-
-
-
-
-
-
29Long-term investments
68,305
76,352
81,947
93,139
87,940
81,872
85,101
92,470
103,244
104,721
93,366
3.2%
30Other non-current assets
233
(561)
(2,214)
(1,805)
(1,172)
(4,917)
(2,973)
(3,079)
(3,823)
(3,048)
8,408
43.1%
31Total Non-Current Assets
68,538
75,791
79,733
91,334
86,768
76,955
82,128
89,391
99,421
101,673
101,774
4%
Total Assets
83,990
90,207
95,808
106,792
104,826
95,948
95,748
104,564
117,479
119,463
119,095
3.6%
LIABILITIES
Current Liabilities
32Accounts payable
-
-
-
-
-
-
-
-
-
-
-
-
33Short-term debt
-
-
-
-
-
-
-
-
-
-
-
-
34Other current liabilities
47,107
55,864
60,775
68,118
69,872
67,472
67,586
77,500
81,153
82,062
81,144
5.6%
35Total Current Liabilities
47,107
55,864
60,775
68,118
69,872
67,472
67,586
77,500
81,153
82,062
81,144
5.6%
Non-Current Liabilities
36Long-term debt
24,279
20,147
20,799
23,996
19,866
15,775
14,507
14,191
15,982
15,462
15,182
(4.6)%
37Other non-current liabilities
-
-
-
-
-
-
-
-
6,441
5,359
6,003
-
38Total Non-Current Liabilities
24,279
20,147
20,799
23,996
19,866
15,775
14,507
14,191
22,423
20,821
21,185
(1.4)%
39Total Liabilities
71,386
76,011
81,574
92,114
89,738
83,247
82,093
91,691
103,576
102,883
102,329
3.7%
SHAREHOLDERS` EQUITY
40Common stock
1
1
1
1
1
1
1
1
1
1
1
-
41Retained earnings / (deficit)
3,293
5,330
6,809
8,986
12,117
10,621
14,245
16,716
18,662
21,635
24,598
22.3%
42Accumulated other comprehensive income / (loss)
(41)
(53)
(64)
(62)
(58)
(51)
(69)
(125)
(68)
(59)
(48)
1.6%
43Noncontrolling interests
-
-
-
-
-
-
-
-
-
-
-
-
44Total shareholders' equity
12,604
14,196
14,234
14,678
15,088
12,701
13,655
12,873
13,903
16,580
16,766
2.9%
45Total Liabilities and shareholders' Equity
83,990
90,207
95,808
106,792
104,826
95,948
95,748
104,564
117,479
119,463
119,095
3.6%
46Total Debt
24,279
20,147
20,799
23,996
19,866
15,775
14,507
14,191
15,982
15,462
15,182
(4.6)%
47Net Debt
11,954
10,826
9,197
14,600
7,719
4,251
6,170
3,897
1,723
751
209
(33.3)%
CASH FLOW STATEMENT
CASH FLOWS FROM OPERATING ACTIVITIES
48Net income (loss)
2,214
2,251
1,935
2,790
3,747
1,385
4,221
3,016
2,238
3,499
3,552
4.8%
49Depreciation & amortization
174
219
254
302
367
383
390
419
458
481
514
11.4%
50Share-based compensation expense
-
-
-
-
-
-
-
-
-
-
-
-
51Changes in working capital and other assets
3,796
4,353
6,727
6,250
4,876
5,719
2,488
3,259
5,897
5,868
5,785
4.3%
52Net cash flows from operating activities
6,184
6,823
8,916
9,342
8,990
7,487
7,099
6,694
8,593
9,848
9,851
4.8%
CASH FLOWS FROM INVESTING ACTIVITIES
53Purchases of property, plant and equipment
-
-
-
-
-
-
-
-
-
-
-
-
54Purchases of investments / marketable securities
(5,102)
(3,380)
(3,159)
(7,271)
(7,856)
(9,913)
(2,990)
(3,866)
(3,623)
(2,811)
(1,187)
(13.6)%
55Proceeds from maturities of marketable securities
3,538
1,380
3,762
5,668
8,085
8,383
5,080
3,984
5,011
3,616
1,952
(5.8)%
56Other investing activities
(9,239)
(11,320)
(10,013)
(17,433)
(490)
1,032
(6,904)
(10,352)
(15,622)
(9,708)
(5,619)
(4.9)%
57Net cash flows from investing activities
(10,803)
(13,320)
(9,410)
(19,036)
(261)
(498)
(4,814)
(10,234)
(14,234)
(8,903)
(4,854)
(7.7)%
CASH FLOWS FROM FINANCING ACTIVITIES
58Issuance (repurchases) of common stock, net
-
(476)
(1,497)
(1,868)
(3,618)
(985)
(2,876)
(3,320)
(1,112)
(1,008)
(2,941)
-
59Dividends paid, net
-
(214)
(446)
(534)
(581)
(562)
(542)
(476)
(448)
(470)
(510)
-
60Debt issuance (repayments), net
(3,147)
(4,166)
633
3,180
(4,147)
(4,108)
(1,281)
(329)
1,777
(536)
(295)
(21.1)%
61Other financing activities
8,263
8,349
4,085
7,475
1,888
(2,376)
(505)
9,409
9,415
1,403
(989)
-
62Net cash flows from financing activities
5,116
3,493
2,775
8,253
(6,458)
(8,031)
(5,204)
5,284
9,632
(611)
(4,735)
-
63Increase (decrease) in cash and cash equivalents
497
(3,004)
2,281
(1,441)
2,271
(1,042)
(2,919)
1,744
3,991
334
262
(6.2)%
64Cash and equivalents, ending balance
12,325
9,321
11,602
10,376
12,647
11,605
8,686
10,430
14,421
14,755
15,017
2%
65Free Cash Flow to the Firm (FCFF)
Help
Free Cash Flow to the Firm = Cash Flows from Operating Activities - Capital Expenditures
6,184
6,823
8,916
9,342
8,990
7,487
7,099
6,694
8,593
9,848
9,851
4.8%

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