$SYF
Synchrony Financial

2022 Q3 Form 10-Q Financial Statement

#000160171222000202 Filed on July 21, 2022

View on sec.gov

Income Statement

Concept 2022 Q3 2022 Q2 2022 Q1
Revenue
YoY Change
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $105.0M $106.0M $107.0M
YoY Change 12.9% 9.28% 12.63%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $414.0M $272.0M $233.0M
YoY Change 72.5% 2.26% -23.1%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $922.0M $1.066B $1.233B
YoY Change -38.53% -35.04% -6.24%
Income Tax $219.0M $262.0M $301.0M
% Of Pretax Income 23.75% 24.58% 24.41%
Net Earnings $703.0M $804.0M $932.0M
YoY Change -38.39% -35.27% -9.07%
Net Earnings / Revenue
Basic Earnings Per Share $1.48 $1.61 $1.79
Diluted Earnings Per Share $1.47 $1.60 $1.77
COMMON SHARES
Basic Shares Outstanding 481.8M shares 493.0M shares 515.3M shares
Diluted Shares Outstanding 470.7M shares 495.3M shares 519.5M shares

Balance Sheet

Concept 2022 Q3 2022 Q2 2022 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $11.96B $10.68B $10.54B
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment
YoY Change
Goodwill $1.105B $1.105B $1.105B
YoY Change 0.0% 0.0% 0.09%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $100.8B $95.20B $95.27B
YoY Change 9.6% 3.46% -0.61%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $5.029B $4.941B $4.914B
YoY Change 2.88% 9.27% 9.35%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $5.029B $4.941B $4.914B
YoY Change 2.88% 9.27% 9.35%
LONG-TERM LIABILITIES
Long-Term Debt $14.32B $12.16B $13.36B
YoY Change 12.23% -9.66% -11.87%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $14.32B $12.16B $13.36B
YoY Change 12.23% -9.66% -11.87%
TOTAL LIABILITIES
Total Short-Term Liabilities $5.029B $4.941B $4.914B
Total Long-Term Liabilities $14.32B $12.16B $13.36B
Total Liabilities $87.75B $81.81B $81.85B
YoY Change 12.5% 5.12% -0.69%
SHAREHOLDERS EQUITY
Retained Earnings $16.25B $15.68B $15.00B
YoY Change 19.83% 24.83% 30.8%
Common Stock $1.000M $1.000M $1.000M
YoY Change 0.0% 0.0% 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost) $13.47B $12.54B $11.84B
YoY Change 35.46% 44.71% 42.64%
Treasury Stock Shares 375.1M shares 346.2M shares 327.8M shares
Shareholders Equity $13.01B $13.39B $13.42B
YoY Change
Total Liabilities & Shareholders Equity $100.8B $95.20B $95.27B
YoY Change 9.6% 3.46% -0.61%

Cashflow Statement

Concept 2022 Q3 2022 Q2 2022 Q1
OPERATING ACTIVITIES
Net Income $703.0M $804.0M $932.0M
YoY Change -38.39% -35.27% -9.07%
Depreciation, Depletion And Amortization $105.0M $106.0M $107.0M
YoY Change 12.9% 9.28% 12.63%
Cash From Operating Activities $1.634B $1.817B $1.396B
YoY Change -9.97% 26.09% -24.09%
INVESTING ACTIVITIES
Capital Expenditures
YoY Change
Acquisitions
YoY Change
Other Investing Activities -$4.142B -$1.052B $117.0M
YoY Change 125.85% -43.23% -53.57%
Cash From Investing Activities -$4.142B -$1.052B $1.818B
YoY Change 125.85% -43.23% -60.79%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $968.0M
YoY Change 384.0%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 4.779B -899.0M -$976.0M
YoY Change -394.45% -82.54% -0.31%
NET CHANGE
Cash From Operating Activities 1.634B 1.817B $1.396B
Cash From Investing Activities -4.142B -1.052B $1.818B
Cash From Financing Activities 4.779B -899.0M -$976.0M
Net Change In Cash 2.271B -134.0M $2.238B
YoY Change -238.31% -97.59% -59.29%
FREE CASH FLOW
Cash From Operating Activities $1.634B $1.817B $1.396B
Capital Expenditures
Free Cash Flow
YoY Change

Facts In Submission

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<div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Interim Period Presentation</span></div><div style="margin-bottom:12pt;margin-top:12pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The condensed consolidated financial statements and notes thereto are unaudited. These statements include all adjustments (consisting of normal recurring accruals) that we considered necessary to present a fair statement of our results of operations, financial position and cash flows. The results reported in these condensed consolidated financial statements should not be considered as necessarily indicative of results that may be expected for the entire year. These condensed consolidated financial statements should be read in conjunction with our 2021 annual consolidated financial statements and the related notes in our Annual Report on Form 10-K for the year ended December 31, 2021 (our "2021 Form 10-K").</span></div>
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Deposits
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