Synchrony Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Synchrony Financial
SYF Stock  USD 59.51  1.06  1.75%   
Synchrony Financial financial statements provide useful quarterly and yearly information to potential Synchrony Financial investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Synchrony Financial financial statements helps investors assess Synchrony Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Synchrony Financial's valuation are summarized below:
Gross Profit
9.4 B
Profit Margin
0.3726
Market Capitalization
23.1 B
Enterprise Value Revenue
2.4694
Revenue
9.4 B
There are over one hundred nineteen available fundamental trend indicators for Synchrony Financial, which can be analyzed over time and compared to other ratios. Active traders should verify all of Synchrony Financial current fundamental drivers against the trend between 2010 and 2025 to make sure the company can sustain itself down the road.

Synchrony Financial Total Revenue

13.07 Billion

Check Synchrony Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Synchrony Financial's main balance sheet or income statement drivers, such as Depreciation And Amortization of 500.4 M, Interest Expense of 4.9 B or Selling General Administrative of 1.3 B, as well as many indicators such as Price To Sales Ratio of 2.19, Dividend Yield of 0.0027 or PTB Ratio of 2.2. Synchrony financial statements analysis is a perfect complement when working with Synchrony Financial Valuation or Volatility modules.
  
Check out the analysis of Synchrony Financial Correlation against competitors.
For more detail on how to invest in Synchrony Stock please use our How to Invest in Synchrony Financial guide.

Synchrony Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding545.1 M400.6 M682.2 M
Slightly volatile
Total Assets101.8 B119.5 B88.2 B
Slightly volatile
Short and Long Term Debt Total18.3 B15.5 B23.2 B
Slightly volatile
Total Current Liabilities4.5 B4.9 B4 B
Slightly volatile
Total Stockholder Equity13.7 B16.6 B11.5 B
Slightly volatile
Other Liabilities139.4 M146.7 M1.4 B
Slightly volatile
Net Debt713.5 M751 M11.8 B
Slightly volatile
Accounts Payable33.9 M35.6 M11.2 B
Pretty Stable
Cash10.9 B14.7 B8.9 B
Slightly volatile
Non Current Assets Total2 B2.1 B36.3 B
Pretty Stable
Other Assets8.4 B8.8 B39.5 B
Very volatile
Long Term Debt13.8 B15.5 B18.3 B
Slightly volatile
Cash And Short Term Investments12 B14.7 B9.8 B
Slightly volatile
Good Will1.1 B1.3 B1 B
Slightly volatile
Short Term Investments4.3 B3.1 B3.5 B
Slightly volatile
Liabilities And Stockholders Equity101.8 B119.5 B88.2 B
Slightly volatile
Non Current Liabilities Total14.7 B15.5 B45.9 B
Pretty Stable
Total Liabilities88.1 B102.9 B76.7 B
Slightly volatile
Total Current Assets113.9 B108.5 B27.8 B
Slightly volatile
Intangible Assets921.2 M854 M769.9 M
Slightly volatile
Common Stock855 K900 K1.2 B
Slightly volatile
Net Tangible Assets8.9 B8.8 B10.2 B
Very volatile
Retained Earnings11.9 B21.6 B8.5 B
Slightly volatile
Net Receivables76.9 B93.8 B67.4 B
Pretty Stable
Common Stock Total Equity800 K900 K981.2 K
Slightly volatile
Retained Earnings Total Equity9.7 B19.2 B8.1 B
Slightly volatile
Long Term Debt Total17.8 B16.3 B15.1 B
Slightly volatile
Capital Surpluse10.5 B11.2 B9.7 B
Slightly volatile
Long Term Investments2.9 B3.1 B43.8 B
Slightly volatile
Short and Long Term Debt641.2 M675 M13 B
Slightly volatile
Short Term Debt3.6 B3.8 B14.7 B
Slightly volatile
Earning Assets6.7 B11.1 B6 B
Slightly volatile
Net Invested Capital24.9 B30.8 B32.5 B
Slightly volatile
Capital Stock769.8 M1.2 B354.8 M
Slightly volatile
Current Deferred Revenue1.5 B1.7 B1.9 B
Slightly volatile

Synchrony Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization500.4 M526.7 M1.7 B
Slightly volatile
Interest Expense4.9 B4.6 B1.9 B
Slightly volatile
Selling General Administrative1.3 B936 M1.2 B
Slightly volatile
Selling And Marketing Expenses476.2 M524 M422.4 M
Slightly volatile
Total Revenue13.1 B22.6 B11.8 B
Slightly volatile
Gross Profit12.6 B22.6 B11.4 B
Slightly volatile
Other Operating Expenses2.8 B1.5 B2.4 B
Slightly volatile
Operating Income22.2 B21.2 B6.5 B
Slightly volatile
EBITDA5.1 B4.7 B4.7 B
Slightly volatile
Income Before Tax4 B4.6 B3.6 B
Slightly volatile
Net Income2.8 B3.5 B2.5 B
Slightly volatile
Income Tax Expense868.3 M1.1 B1.1 B
Slightly volatile
Net Income Applicable To Common Shares2.8 B3.4 B2.6 B
Slightly volatile
Net Income From Continuing Ops3 B3.5 B4 B
Slightly volatile
Tax Provision830.3 M1.1 B1.1 B
Slightly volatile
Net Interest Income16.8 B18 B14.4 B
Slightly volatile
Interest Income19.1 B22.6 B16.2 B
Slightly volatile
Reconciled Depreciation419.9 M481 M328.2 M
Slightly volatile

Synchrony Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation4.1 B6.9 B4 B
Slightly volatile
Begin Period Cash Flow9.3 B14.4 B8 B
Slightly volatile
Depreciation303.4 M481 M266.3 M
Slightly volatile
Total Cash From Operating Activities8 B9.8 B7.2 B
Slightly volatile
Net Income2.8 B3.5 B2.5 B
Slightly volatile
End Period Cash Flow10.4 B14.8 B9 B
Slightly volatile
Dividends Paid68.4 M72 M326.7 M
Pretty Stable
Change To Netincome3 B2.7 B3.3 B
Very volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.191.13812.0137
Slightly volatile
Dividend Yield0.00270.00280.0144
Slightly volatile
PTB Ratio2.21.55442.2873
Slightly volatile
Days Sales Outstanding1.2 K1.4 K1.5 K
Slightly volatile
Book Value Per Share43.9141.815920.0789
Slightly volatile
Operating Cash Flow Per Share26.0824.837312.3347
Slightly volatile
Capex To Depreciation47.4662.9365.4328
Pretty Stable
PB Ratio2.21.55442.2873
Slightly volatile
EV To Sales1.111.17133.0169
Slightly volatile
ROIC0.140.14721.8792
Slightly volatile
Net Income Per Share9.278.82474.3086
Slightly volatile
Sales General And Administrative To Revenue0.03930.04130.0995
Slightly volatile
Capex To Revenue0.480.590.6267
Very volatile
Cash Per Share47.1144.867621.4963
Slightly volatile
POCF Ratio3.482.6173.1964
Slightly volatile
Interest Coverage4.064.57163.7468
Slightly volatile
Payout Ratio0.01950.02060.1359
Pretty Stable
Capex To Operating Cash Flow0.851.151.1914
Pretty Stable
Income Quality2.462.81453.0312
Very volatile
ROE0.250.2110.2565
Slightly volatile
EV To Operating Cash Flow5.22.69335.1805
Slightly volatile
PE Ratio10.497.36579.6355
Slightly volatile
Return On Tangible Assets0.0320.02980.0307
Slightly volatile
Earnings Yield0.0960.13580.1149
Slightly volatile
Intangibles To Total Assets0.0220.01780.0204
Slightly volatile
Net Debt To EBITDA0.870.922.9656
Slightly volatile
Current Ratio1.92.372.1355
Slightly volatile
Tangible Book Value Per Share38.2736.448917.1231
Slightly volatile
Receivables Turnover0.190.220.2369
Slightly volatile
Graham Number95.6891.119743.6848
Slightly volatile
Shareholders Equity Per Share43.9141.815920.0789
Slightly volatile
Debt To Equity0.890.93262.441
Slightly volatile
Capex Per Share5.767.888.1257
Pretty Stable
Revenue Per Share59.9757.112221.4006
Slightly volatile
Interest Debt Per Share27.1750.683533.5911
Pretty Stable
Debt To Assets0.120.12940.2698
Slightly volatile
Enterprise Value Over EBITDA4.394.637.985
Slightly volatile
Price Earnings Ratio10.497.36579.6355
Slightly volatile
Price Book Value Ratio2.21.55442.2873
Slightly volatile
Dividend Payout Ratio0.01950.02060.1359
Pretty Stable
Price To Operating Cash Flows Ratio3.482.6173.1964
Slightly volatile
Pretax Profit Margin0.350.20110.3222
Pretty Stable
Ebt Per Ebit0.20.21490.6828
Slightly volatile
Operating Profit Margin0.980.93550.4781
Slightly volatile
Effective Tax Rate0.340.23150.3121
Slightly volatile
Company Equity Multiplier8.567.20528.3137
Slightly volatile
Long Term Debt To Capitalization0.680.48260.6513
Slightly volatile
Total Debt To Capitalization0.680.48260.6513
Slightly volatile
Return On Capital Employed0.190.17730.0732
Slightly volatile
Debt Equity Ratio0.890.93262.441
Slightly volatile
Ebit Per Revenue0.980.93550.4781
Slightly volatile
Quick Ratio14.8919.1316.3255
Slightly volatile
Dividend Paid And Capex Coverage Ratio14413730.7869
Slightly volatile
Net Income Per E B T0.550.76850.681
Slightly volatile
Cash Ratio1.92.372.1355
Slightly volatile
Operating Cash Flow Sales Ratio0.510.43490.633
Very volatile
Days Of Sales Outstanding1.2 K1.4 K1.5 K
Slightly volatile
Cash Flow Coverage Ratios0.670.63690.3862
Slightly volatile
Price To Book Ratio2.21.55442.2873
Slightly volatile
Capital Expenditure Coverage Ratio1.080.90.8568
Pretty Stable
Price Cash Flow Ratio3.482.6173.1964
Slightly volatile
Enterprise Value Multiple4.394.637.985
Slightly volatile
Debt Ratio0.120.12940.2698
Slightly volatile
Cash Flow To Debt Ratio0.670.63690.3862
Slightly volatile
Price Sales Ratio2.191.13812.0137
Slightly volatile
Return On Assets0.03140.02930.03
Slightly volatile
Asset Turnover0.140.18960.1414
Slightly volatile
Net Profit Margin0.180.15450.2179
Very volatile
Gross Profit Margin0.991.050.9234
Slightly volatile
Price Fair Value2.21.55442.2873
Slightly volatile
Return On Equity0.250.2110.2565
Slightly volatile

Synchrony Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap25.4 B18.5 B22.9 B
Slightly volatile

Synchrony Fundamental Market Drivers

Forward Price Earnings7.9365
Cash And Short Term Investments14.7 B

Synchrony Upcoming Events

17th of April 2024
Upcoming Quarterly Report
View
16th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
28th of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About Synchrony Financial Financial Statements

Synchrony Financial stakeholders use historical fundamental indicators, such as Synchrony Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although Synchrony Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in Synchrony Financial's assets and liabilities are reflected in the revenues and expenses on Synchrony Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Synchrony Financial. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue1.7 B1.5 B
Total Revenue22.6 B13.1 B
Cost Of Revenue2.9 B3.1 B
Sales General And Administrative To Revenue 0.04  0.04 
Capex To Revenue 0.59  0.48 
Revenue Per Share 57.11  59.97 
Ebit Per Revenue 0.94  0.98 

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When determining whether Synchrony Financial is a strong investment it is important to analyze Synchrony Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Synchrony Financial's future performance. For an informed investment choice regarding Synchrony Stock, refer to the following important reports:
How To Invest In Synchrony
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Is Synchrony Stock a good investment?
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What is Synchrony Financial's Net Worth?
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Largest Consumer Finance Companies
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Check out the analysis of Synchrony Financial Correlation against competitors.
For more detail on how to invest in Synchrony Stock please use our How to Invest in Synchrony Financial guide.
You can also try the Idea Optimizer module to use advanced portfolio builder with pre-computed micro ideas to build optimal portfolio .
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Synchrony Financial. If investors know Synchrony will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Synchrony Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.82
Dividend Share
1
Earnings Share
8.55
Revenue Per Share
23.687
Quarterly Revenue Growth
0.208
The market value of Synchrony Financial is measured differently than its book value, which is the value of Synchrony that is recorded on the company's balance sheet. Investors also form their own opinion of Synchrony Financial's value that differs from its market value or its book value, called intrinsic value, which is Synchrony Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Synchrony Financial's market value can be influenced by many factors that don't directly affect Synchrony Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
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Please note, there is a significant difference between Synchrony Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Synchrony Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Synchrony Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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