Synchrony Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Synchrony Financial
SYF Stock  USD 72.31  0.93  1.30%   
Synchrony Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Synchrony Financial's valuation are provided below:
Gross Profit
9.8 B
Profit Margin
0.3641
Market Capitalization
25.7 B
Enterprise Value Revenue
2.7512
Revenue
9.8 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 2026 to make sure the company can sustain itself down the road. The current Market Cap is estimated to decrease to about 27.9 B

Synchrony Financial Total Revenue

14.57 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 320.8 M, Interest Expense of 4.3 B or Selling General Administrative of 1.4 B, as well as many indicators such as Price To Sales Ratio of 2.0, Dividend Yield of 0.0174 or PTB Ratio of 2.19. Synchrony financial statements analysis is a perfect complement when working with Synchrony Financial Valuation or Volatility modules.
  
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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.

Synchrony Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding527.9 M357.8 M662.1 M
Slightly volatile
Total Assets103.9 B119.1 B90.2 B
Slightly volatile
Short and Long Term Debt Total17.9 B15.2 B22.7 B
Slightly volatile
Total Current Liabilities85.2 B81.1 B26.4 B
Slightly volatile
Total Stockholder Equity14 B16.8 B11.9 B
Slightly volatile
Other Liabilities139.4 M146.7 M1.3 B
Slightly volatile
Net Debt198.6 M209 M11.1 B
Slightly volatile
Accounts Payable33.9 M35.6 M10.5 B
Pretty Stable
Cash11.3 B15 B9.3 B
Slightly volatile
Non Current Assets Total106.9 B101.8 B60.8 B
Very volatile
Other Assets125 B119.1 B51.1 B
Slightly volatile
Long Term Debt13.6 B15.2 B18.1 B
Slightly volatile
Cash And Short Term Investments13.3 B17.3 B10.9 B
Slightly volatile
Good Will1.2 B1.4 B1 B
Slightly volatile
Short Term Investments4.2 B2.3 B3.4 B
Slightly volatile
Liabilities And Stockholders Equity103.9 B119.1 B90.2 B
Slightly volatile
Non Current Liabilities Total34.4 B21.2 B40.7 B
Pretty Stable
Total Liabilities89.9 B102.3 B78.3 B
Slightly volatile
Total Current Assets20.5 B17.3 B16.8 B
Slightly volatile
Intangible Assets954 M1.3 B800.4 M
Slightly volatile
Common Stock855 K900 K1.2 B
Slightly volatile
Net Tangible Assets8.9 B8.8 B10.2 B
Very volatile
Retained Earnings13.2 B24.6 B9.5 B
Slightly volatile
Net Receivables76.9 B107.9 B69.8 B
Slightly volatile
Common Stock Total Equity800 K900 K982.4 K
Slightly volatile
Retained Earnings Total Equity9.7 B19.2 B8.6 B
Slightly volatile
Long Term Debt Total17.6 B15.2 B15.1 B
Slightly volatile
Capital Surpluse10.6 B9.9 B9.6 B
Slightly volatile
Long Term Investments2.2 B2.3 B41.4 B
Slightly volatile
Short and Long Term Debt641.2 M675 M12.3 B
Slightly volatile
Short Term Debt9.6 B5.1 B14.6 B
Slightly volatile
Earning Assets6.7 B11.1 B6.2 B
Slightly volatile
Net Invested Capital24.9 B30.7 B32.4 B
Slightly volatile
Capital Stock841.8 M1.4 B420.9 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 Amortization320.8 M514 M281.9 M
Slightly volatile
Interest Expense4.3 B4.1 B2 B
Slightly volatile
Selling General Administrative1.4 B2.1 B1.3 B
Slightly volatile
Selling And Marketing Expenses481.9 M511 M427.9 M
Slightly volatile
Total Revenue14.6 B19.1 B13 B
Slightly volatile
Gross Profit8.1 B9.8 B7.3 B
Slightly volatile
Other Operating Expenses10.5 B14.5 B9.4 B
Slightly volatile
Operating Income4 B4.6 B3.7 B
Slightly volatile
EBIT4 B4.6 B3.7 B
Slightly volatile
EBITDA4.4 B5.1 B3.9 B
Slightly volatile
Cost Of Revenue6.5 B9.4 B5.7 B
Slightly volatile
Total Operating Expenses4.1 B5.1 B3.6 B
Slightly volatile
Income Before Tax4 B4.6 B3.7 B
Slightly volatile
Net Income2.9 B3.6 B2.6 B
Slightly volatile
Income Tax Expense867.5 M1.1 B1.1 B
Slightly volatile
Net Income Applicable To Common Shares2.9 B3.5 B2.6 B
Slightly volatile
Net Income From Continuing Ops3 B3.6 B3.9 B
Slightly volatile
Tax Provision832.6 M1.1 B1.1 B
Slightly volatile
Net Interest Income17.1 B18.5 B14.6 B
Slightly volatile
Interest Income19.6 B22.6 B16.6 B
Slightly volatile
Reconciled Depreciation436.1 M514 M340.1 M
Slightly volatile

Synchrony Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation4.1 B6.9 B4.1 B
Slightly volatile
Begin Period Cash Flow9.8 B14.8 B8.4 B
Slightly volatile
Depreciation320.8 M514 M281.9 M
Slightly volatile
Total Cash From Operating Activities8.2 B9.9 B7.4 B
Slightly volatile
Net Income2.9 B3.6 B2.6 B
Slightly volatile
End Period Cash Flow10.8 B15 B9.4 B
Slightly volatile
Change To Netincome3 B2.7 B3.3 B
Very volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.01.56181.861
Slightly volatile
Dividend Yield0.01740.01710.0164
Slightly volatile
PTB Ratio2.191.78072.2569
Slightly volatile
Book Value Per Share49.246.852921.965
Slightly volatile
Operating Cash Flow Per Share28.9127.528813.395
Slightly volatile
Capex To Depreciation47.4662.9365.697
Pretty Stable
PB Ratio2.191.78072.2569
Slightly volatile
EV To Sales2.931.57272.9749
Slightly volatile
ROIC0.06310.09360.0764
Slightly volatile
Net Income Per Share10.429.92614.7067
Slightly volatile
Sales General And Administrative To Revenue0.07750.10950.0943
Slightly volatile
Capex To Revenue0.540.690.7285
Very volatile
Cash Per Share50.8248.403923.8279
Slightly volatile
POCF Ratio3.473.03063.1861
Slightly volatile
Interest Coverage1.061.11752.6059
Slightly volatile
Payout Ratio0.20.14360.1537
Slightly volatile
Capex To Operating Cash Flow0.851.151.1966
Pretty Stable
Income Quality2.452.77343.0155
Very volatile
ROE0.240.21190.2533
Slightly volatile
EV To Operating Cash Flow5.073.05195.047
Slightly volatile
PE Ratio10.428.40519.559
Slightly volatile
Return On Tangible Assets0.03210.03050.0307
Slightly volatile
Earnings Yield0.0960.1190.1151
Slightly volatile
Intangibles To Total Assets0.02210.0220.0205
Pretty Stable
Net Debt To EBITDA0.03870.04073.0965
Slightly volatile
Current Ratio0.180.21350.2063
Slightly volatile
Tangible Book Value Per Share41.5139.536918.6322
Slightly volatile
Graham Number10710247.8224
Slightly volatile
Shareholders Equity Per Share49.246.852921.965
Slightly volatile
Debt To Equity0.860.90552.3486
Slightly volatile
Capex Per Share5.767.888.163
Pretty Stable
Revenue Per Share56.0953.420124.4759
Slightly volatile
Interest Debt Per Share28.3153.981834.853
Slightly volatile
Debt To Assets0.250.12750.269
Slightly volatile
Enterprise Value Over EBITDA9.485.85479.203
Slightly volatile
Price Earnings Ratio10.428.40519.559
Slightly volatile
Price Book Value Ratio2.191.78072.2569
Slightly volatile
Dividend Payout Ratio0.20.14360.1537
Slightly volatile
Price To Operating Cash Flows Ratio3.473.03063.1861
Slightly volatile
Pretax Profit Margin0.320.24170.2985
Slightly volatile
Operating Profit Margin0.320.24170.2985
Slightly volatile
Effective Tax Rate0.330.23130.3068
Slightly volatile
Company Equity Multiplier8.57.10348.239
Slightly volatile
Long Term Debt To Capitalization0.670.47520.6404
Slightly volatile
Total Debt To Capitalization0.670.47520.6404
Slightly volatile
Return On Capital Employed0.0880.12180.1089
Pretty Stable
Debt Equity Ratio0.860.90552.3486
Slightly volatile
Ebit Per Revenue0.320.24170.2985
Slightly volatile
Quick Ratio0.180.21350.2063
Slightly volatile
Dividend Paid And Capex Coverage Ratio12.4519.315715.583
Slightly volatile
Net Income Per E B T0.560.76870.6868
Slightly volatile
Cash Ratio0.140.18450.1542
Slightly volatile
Operating Cash Flow Sales Ratio0.630.51530.5834
Slightly volatile
Cash Flow Coverage Ratios0.330.64890.3817
Slightly volatile
Price To Book Ratio2.191.78072.2569
Slightly volatile
Capital Expenditure Coverage Ratio1.080.90.8524
Pretty Stable
Price Cash Flow Ratio3.473.03063.1861
Slightly volatile
Enterprise Value Multiple9.485.85479.203
Slightly volatile
Debt Ratio0.250.12750.269
Slightly volatile
Cash Flow To Debt Ratio0.330.64890.3817
Slightly volatile
Price Sales Ratio2.01.56181.861
Slightly volatile
Return On Assets0.03150.02980.03
Slightly volatile
Asset Turnover0.110.16050.1445
Slightly volatile
Net Profit Margin0.220.18580.2051
Pretty Stable
Gross Profit Margin0.630.51040.5785
Pretty Stable
Price Fair Value2.191.78072.2569
Slightly volatile
Return On Equity0.240.21190.2533
Slightly volatile

Synchrony Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap27.9 B34.3 B24.4 B
Slightly volatile
Enterprise Value24.1 B27.1 B29.5 B
Slightly volatile

Synchrony Fundamental Market Drivers

Forward Price Earnings7.8064
Cash And Short Term Investments17.3 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 Revenue19.1 B14.6 B
Cost Of Revenue9.4 B6.5 B
Sales General And Administrative To Revenue 0.11  0.08 
Capex To Revenue 0.69  0.54 
Revenue Per Share 53.42  56.09 
Ebit Per Revenue 0.24  0.32 

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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 Technical Analysis module to check basic technical indicators and analysis based on most latest market data.
Can Consumer Finance industry sustain growth momentum? Does Synchrony have expansion opportunities? 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. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Synchrony Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth
0.078
Dividend Share
1.15
Earnings Share
9.28
Revenue Per Share
26.375
Quarterly Revenue Growth
0.05
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. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. 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. Meanwhile, Synchrony Financial's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
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