$SYF Market Cap: $17.93 Billion
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Financial Snapshot

Revenue
Gross Margin
Net Earnings
$3.457B
TTM
Current Assets
Current Liabilities
$5.359B
Q4 2024
Current Ratio
Total Assets
$119.5B
Q4 2024
Total Liabilities
$102.9B
Q4 2024
Book Value
$16.58B
Q4 2024
Cash
$14.71B
Q4 2024
P/E
5.187
Apr 11, 2025 EST
Free Cash Flow

Revenues

Revenues

No data

Revenue YoY Change

No data

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Revenue
YoY Change

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operating Profits/Loss YoY Change

No data

Operating Earnings to Gross Profit Ratio

No data

Operating Profit Margin

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $481.0M $458.0M $419.0M $390.0M $383.0M $367.0M $302.0M $254.0M $219.0M $174.0M $131.0M $104.0M $83.00M $96.00M
YoY Change 5.02% 9.31% 7.44% 1.83% 4.36% 21.52% 18.9% 15.98% 25.86% 32.82% 25.96% 25.3% -13.54%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Operating Profit To Gross Profit
Operating Profit To Revenue

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Interest Expense $3.711B $1.521B $1.032B $1.665B $2.291B $1.870B $1.391B $1.248B $1.135B $922.0M $742.0M $745.0M
YoY Change 143.98% 47.38% -38.02% -27.32% 22.51% 34.44% 11.46% 9.96% 23.1% 24.26% -0.4%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

No data

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Pretax Income $4.553B $2.904B $3.962B $5.503B $1.797B $4.887B $3.644B $3.324B $3.570B $3.531B $3.386B $3.142B $3.376B $3.010B $2.029B $695.0M
YoY Change 56.78% -26.7% -28.0% 206.23% -63.23% 34.11% 9.63% -6.89% 1.1% 4.28% 7.77% -6.93% 12.16% 48.35% 191.94%
Income Tax $1.054B $666.0M $946.0M $1.282B $412.0M $1.140B $854.0M $1.389B $1.319B $1.317B $1.277B $1.163B $1.257B $1.120B $760.0M $294.0M
% Of Pretax Income 23.15% 22.93% 23.88% 23.3% 22.93% 23.33% 23.44% 41.79% 36.95% 37.3% 37.71% 37.01% 37.23% 37.21% 37.46% 42.3%
Net Earnings $3.499B $2.196B $2.974B $4.221B $1.385B $3.747B $2.790B $1.935B $2.251B $2.214B $2.109B $1.979B $2.119B $1.890B $1.269B $401.0M
YoY Change 59.34% -26.16% -29.54% 204.77% -63.04% 34.3% 44.19% -14.04% 1.67% 4.98% 6.57% -6.61% 12.12% 48.94% 216.46%
Net Earnings / Revenue
Basic Earnings Per Share $8.64 $5.21 $6.19 $7.40 $2.28 $5.59 $3.76 $2.43 $2.71 $2.66 $2.78 $2.81 $3.00
Diluted Earnings Per Share $8.55 $5.19 $6.152M $7.34 $2.27 $5.56 $3.74 $2.42 $2.71 $2.65 $2.78 $2.81 $3.00 $2.277M $1.529M $483.1K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

No data

Long-Term Investments

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

No data

Short-Term Debt

No data

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

No data

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment
YoY Change
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $0.00 $256.0M $0.00 $0.00 $0.00 $1.847B $3.092B
YoY Change -100.0% -100.0% -40.27%
Total Long-Term Assets
YoY Change
Total Assets $119.5B $117.5B $104.6B $95.75B $95.95B $104.8B $106.8B $95.81B $90.21B $83.99B $75.71B $59.09B $53.46B $50.12B $50.65B $40.68B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $5.359B $6.334B $5.765B $5.316B $4.690B $4.718B $4.099B $4.287B $3.809B $3.740B $2.814B $3.085B $2.261B $2.065B $1.600B $6.192B
YoY Change -15.39% 9.87% 8.45% 13.35% -0.59% 15.1% -4.39% 12.55% 1.84% 32.91% -8.78% 36.44% 9.49% 29.06% -74.16%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $5.359B $6.334B $5.765B $5.316B $4.690B $4.718B $4.099B $4.287B $3.809B $3.740B $2.814B $3.085B $2.261B $2.065B $1.600B $6.192B
YoY Change -15.39% 9.87% 8.45% 13.35% -0.59% 15.1% -4.39% 12.55% 1.84% 32.91% -8.78% 36.44% 9.49% 29.06% -74.16%
Long-Term Debt $15.46B $15.98B $14.19B $14.51B $15.78B $19.87B $24.00B $20.80B $20.15B $24.28B $27.46B $24.32B $27.82B $25.89B $30.94B $18.07B
YoY Change -3.25% 12.62% -2.18% -8.04% -20.59% -17.21% 15.37% 3.24% -17.02% -11.58% 12.91% -12.56% 7.44% -16.31% 71.21%
Other Long-Term Liabilities $0.00 $107.0M $0.00 $0.00 $0.00 $13.00M $6.000M
YoY Change -100.0% -100.0% 116.67%
Total Long-Term Liabilities $15.46B $16.09B $14.19B $14.51B $15.78B $19.87B $24.00B $20.80B $20.15B $24.28B $27.46B $24.32B $27.82B $25.89B $30.95B $18.08B
YoY Change -3.9% 13.37% -2.18% -8.04% -20.59% -17.21% 15.37% 3.24% -17.02% -11.58% 12.91% -12.56% 7.44% -16.35% 71.23%
Total Liabilities $102.9B $103.6B $91.69B $82.09B $83.25B $89.74B $92.11B $81.57B $76.01B $71.39B $65.23B $53.13B $48.88B $45.79B $46.35B $35.88B
YoY Change -0.67% 12.96% 11.69% -1.39% -7.23% -2.58% 12.92% 7.32% 6.48% 9.44% 22.78% 8.68% 6.76% -1.21% 29.19%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Basic Shares Outstanding 396.5M shares 421.2M shares 480.4M shares 564.6M shares 589.0M shares 670.2M shares 742.3M shares 795.6M shares 829.2M shares 833.8M shares 757.4M shares 705.3M shares 705.3M shares
Diluted Shares Outstanding 400.6M shares 423.5M shares 483.4M shares 569.3M shares 590.8M shares 673.5M shares 746.9M shares 799.7M shares 831.5M shares 835.5M shares 757.6M shares 705.3M shares 705.3M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

No data

Free Cash Flow YoY

No data

Free Cash Flow Margin

No data

Dividends

Dividends

No data

Stock Price

Market Cap: $17.933 Billion

About Synchrony Financial

Synchrony Financial engages in the provision of consumer financial services. The company is headquartered in Stamford, Connecticut and currently employs 20,000 full-time employees. The company went IPO on 2014-07-31. The firm provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. The company offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The firm primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.

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