Synchrony Financial (SYF) - Quarterly Income Statement

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SYF
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55.46 (USD) • At close May 8, 2025

Overview | Financials

Numbers are in millions (except for per share data and ratios) USD.

	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1	2023 Q4	2023 Q3	2023 Q2	2023 Q1	2022 Q4	2022 Q3	2022 Q2	2022 Q1	2021 Q4	2021 Q3	2021 Q2	2021 Q1	2020 Q4	2020 Q3	2020 Q2	2020 Q1	2019 Q4	2019 Q3	2019 Q2	2019 Q1	2018 Q4	2018 Q3	2018 Q2	2018 Q1	2017 Q4	2017 Q3	2017 Q2	2017 Q1	2016 Q4	2016 Q3	2016 Q2	2016 Q1	2015 Q4	2015 Q3	2015 Q2	2015 Q1	2014 Q4	2014 Q3	2014 Q2	2014 Q1	2013 Q4	2013 Q3	2013 Q2	2013 Q1
Revenue Numbers are in millions	5,550	3,801	3,814	4,889	5,961	3,659	5,354	3,294	3,199	3,093	3,972	4,000	3,897	2,730	2,486	2,395	2,581	2,694	2,689	2,718	3,061	3,104	3,458	3,386	3,364	3,542	3,398	3,800	3,197	3,199	3,147	3,025	2,996	2,902	2,808	2,631	2,631	2,561	2,464	2,406	2,316	2,442	2,282	2,832	2,858	2,979	2,817	2,632	2,643
Cost of Revenue Numbers are in millions	1,714	-120	968	1,047	954	955	902	816	0	0	370	252	220	213	211	229	252	-1,047	-899	0	0	0	0	0	0	0	-871	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Gross Profit Numbers are in millions	3,836	3,921	2,846	3,842	5,007	2,704	4,452	2,478	3,199	3,093	3,602	3,748	3,677	2,517	2,275	2,166	2,329	3,741	3,588	2,718	3,061	3,104	3,458	3,386	3,364	3,542	4,269	3,800	3,197	3,199	3,147	3,025	2,996	2,902	2,808	2,631	2,631	2,561	2,464	2,406	2,316	2,442	2,282	2,832	2,858	2,979	2,817	2,632	2,643
Gross Profit Ratio Numbers are in millions	0.691	1.032	0.746	0.786	0.84	0.739	0.832	0.752	1	1	0.907	0.937	0.944	0.922	0.915	0.904	0.902	1.389	1.334	1	1	1	1	1	1	1	1.256	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Reseach & Development Expenses Numbers are in millions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
General & Administrative Expenses Numbers are in millions	217	435	464	434	496	538	219	451	451	459	416	404	402	409	369	359	364	347	382	327	324	385	359	358	353	353	365	351	358	333	335	321	325	315	311	301	280	285	268	250	239	227	239	207	193	190	173	173	162
Selling & Marketing Expenses Numbers are in millions	116	147	123	129	125	138	125	133	131	121	115	135	116	167	110	114	95	139	107	91	111	152	139	135	123	166	131	110	121	156	124	124	94	130	92	107	94	128	115	108	82	165	115	97	83	117	54	53	45
SG&A Numbers are in millions	333	582	587	563	621	676	344	584	582	580	531	539	518	576	479	473	459	486	489	418	435	537	498	493	476	519	496	461	479	489	459	445	419	445	403	408	374	413	383	358	321	392	354	304	276	307	227	226	207
Other Expenses Numbers are in millions	0	2,246	0	-1,177	-1,206	-3,796	-1,052	-1,070	1,827	2,513	-974	-991	0	-3,303	0	-865	-850	-1,047	-899	-773	-926	-1,029	-1,016	-859	-954	-855	-871	-653	-720	-779	-805	-669	-684	-811	-757	-664	-670	-734	-723	-621	-660	-698	-693	-590	-594	-662	-680	-547	-484
Operating Expenses Numbers are in millions	333	2,828	2,786	1,177	1,206	-3,120	344	342	2,409	3,093	319	320	326	-2,727	306	303	285	-561	294	280	308	-492	344	366	355	-336	363	287	287	-290	285	282	245	-366	266	261	240	-321	277	264	244	-306	274	252	-318	-355	-453	-321	-277
Operating Income Numbers are in millions	5,217	1,159	1,236	2,745	3,801	539	833	1,530	790	0	1,325	1,338	1,466	1,270	1,740	1,907	1,618	1,278	792	493	899	1,477	1,967	1,712	2,022	1,555	1,381	1,329	1,249	1,250	1,236	1,121	1,108	1,227	1,278	1,074	1,239	1,169	1,208	1,131	1,158	1,135	1,123	970	1,080	880	1,204	1,034	766
Operating Income Ratio Numbers are in millions	0.94	0.305	0.324	0.561	0.638	0.147	0.156	0.464	0.247	0	0.334	0.335	0.376	0.465	0.7	0.796	0.627	0.474	0.295	0.181	0.294	0.476	0.569	0.506	0.601	0.439	0.406	0.35	0.391	0.391	0.393	0.371	0.37	0.423	0.455	0.408	0.471	0.456	0.49	0.47	0.5	0.465	0.492	0.343	0.378	0.295	0.427	0.393	0.29
Total Other Income Expenses Net Numbers are in millions	-4,233	-186	-208	-171	-179	4,316	-189	-197	0	741	-179	-196	-166	-196	-147	-149	-152	-134	-266	-263	-247	6,622	-234	-212	-222	4,971	-221	-238	-239	4,340	-244	-223	-250	4,499	-195	-196	-198	4,365	-221	-217	-200	4,026	-178	-295	-152	-291	-181	0	-33
Income Before Tax Numbers are in millions	984	973	1,028	844	1,708	539	833	742	790	741	922	1,066	1,233	1,047	1,500	1,641	1,315	944	412	59	382	921	1,375	1,129	1,462	1,012	893	892	847	875	879	788	782	908	963	771	928	868	919	861	883	853	879	764	890	692	1,021	856	573
Income Before Tax Ratio Numbers are in millions	0.177	0.256	0.27	0.173	0.287	0.147	0.156	0.225	0.247	0.24	0.232	0.267	0.316	0.384	0.603	0.685	0.509	0.35	0.153	0.022	0.125	0.297	0.398	0.333	0.435	0.286	0.263	0.235	0.265	0.274	0.279	0.26	0.261	0.313	0.343	0.293	0.353	0.339	0.373	0.358	0.381	0.349	0.385	0.27	0.311	0.232	0.362	0.325	0.217
Income Tax Expense Numbers are in millions	227	199	239	201	415	99	205	173	189	164	219	262	301	234	359	399	290	206	99	11	96	190	319	276	355	229	222	196	207	490	324	292	283	332	359	282	346	321	345	320	331	322	331	292	332	249	380	320	214
Net Income Numbers are in millions	757	774	789	643	1,293	440	628	569	601	577	703	804	932	813	1,141	1,242	1,025	738	313	48	286	731	1,056	853	1,107	783	671	696	640	385	555	496	499	576	604	489	582	547	574	541	552	531	548	472	558	443	641	536	359
Net Income Ratio Numbers are in millions	0.136	0.204	0.207	0.132	0.217	0.12	0.117	0.173	0.188	0.187	0.177	0.201	0.239	0.298	0.459	0.519	0.397	0.274	0.116	0.018	0.093	0.236	0.305	0.252	0.329	0.221	0.197	0.183	0.2	0.12	0.176	0.164	0.167	0.198	0.215	0.186	0.221	0.214	0.233	0.225	0.238	0.217	0.24	0.167	0.195	0.149	0.228	0.204	0.136
EPS Numbers are in millions	1.91	1.93	1.96	1.56	3.17	1.04	1.49	1.32	1.36	1.27	1.5	1.63	1.81	1.49	2.02	2.13	1.74	1.25	0.52	0.06	0.45	1.15	1.6	1.25	1.57	1.09	0.91	0.93	0.84	0.49	0.7	0.62	0.61	0.7	0.73	0.59	0.7	0.66	0.69	0.65	0.66	0.64	0.7	0.57	0.67	0.53	0.77	0.65	0.43
EPS Diluted Numbers are in millions	1.89	1.91	1.94	1.55	3.14	1.03	1.48	1.32	1.35	1.26	1.49	1.62	1.79	1.48	2	2.12	1.73	1.24	0.52	0.06	0.45	1.15	1.6	1.24	1.56	1.09	0.91	0.92	0.83	0.49	0.7	0.61	0.61	0.7	0.73	0.58	0.7	0.65	0.69	0.65	0.66	0.64	0.7	0.57	0.67	0.53	0.77	0.64	0.43
EBITDA Numbers are in millions	0	1,093	1,319	0	0	862	1,141	1,039	901	0	1,161	1,284	1,446	1,256	1,702	1,858	1,543	1,171	598	0	0	1,188	1,469	1,221	1,549	1,092	971	965	918	942	948	847	841	963	1,019	0	0	0	0	0	0	0	0	0	0	0	0	0	0
EBITDA Ratio Numbers are in millions	0	0.288	0.346	0	0	0.236	0.213	0.315	0.282	0	0.292	0.321	0.371	0.46	0.685	0.776	0.598	0.435	0.222	0	0	0.383	0.425	0.361	0.46	0.308	0.286	0.254	0.287	0.294	0.301	0.28	0.281	0.332	0.363	0	0	0	0	0	0	0	0	0	0	0	0	0	0

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