Synchrony Financial logo SYF - Synchrony Financial

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY 0
BUY 25
HOLD 15
SELL 0
STRONG
SELL 1
| PRICE TARGET: $86.89 DETAILS
HIGH: $96.00
LOW: $81.00
MEDIAN: $84.00
CONSENSUS: $86.89
UPSIDE: 19.95%
Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
Revenue
Revenue 19,116 20,759 17,338 13,195 11,224 12,827 15,603 15,154 13,758 12,220 10,882 10,152 9,440 8,809 8,210
Cost of Revenue 9,360 11,367 9,676 4,896 1,758 6,975 6,471 7,415 6,687 5,234 4,087 3,839 3,814 3,310 3,190
Gross Profit 9,756 9,392 7,662 8,299 9,466 5,852 9,132 7,739 7,071 6,986 6,795 6,313 5,626 5,499 5,020
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 2,604 2,353 2,411 2,168 1,987 1,828 2,004 1,955 1,802 1,621 1,475 1,326 967 828 817
Other Expenses 2,531 2,486 2,347 2,169 1,976 2,227 2,241 2,140 1,945 1,795 1,789 1,601 1,517 1,295 1,193
Operating Expenses 5,135 4,839 4,758 4,337 3,963 4,055 4,245 4,095 3,747 3,416 3,264 2,927 2,484 2,123 2,010
Operating Income
Operating Income 4,621 4,553 2,904 3,962 5,503 1,797 4,887 3,644 3,324 3,570 3,531 3,386 3,142 3,376 3,010
Interest Expense 4,135 4,634 3,711 1,521 1,032 1,665 2,291 1,870 1,391 1,248 1,135 922 742 745 932
Interest Income 22,601 22,645 20,710 17,146 15,271 16,067 19,090 17,988 16,407 14,778 13,228 12,242 11,313 10,309 9,141
Profitability
EBITDA 5,135 5,034 3,362 4,381 5,893 2,180 5,254 3,946 3,578 3,789 3,705 3,517 3,246 3,459 3,106
EBIT 4,621 4,553 2,904 3,962 5,503 1,797 4,887 3,644 3,324 3,570 3,531 3,386 3,142 3,376 3,010
Income Before Tax 4,621 4,553 2,904 3,962 5,503 1,797 4,887 3,644 3,324 3,570 3,531 3,386 3,142 3,376 3,010
Income Tax Expense 1,069 1,054 666 946 1,282 412 1,140 854 1,389 1,319 1,317 1,277 1,163 1,257 1,120
Net Income 3,552 3,499 2,238 3,016 4,221 1,385 3,747 2,790 1,935 2,251 2,214 2,109 1,979 2,119 1,890
Per Share Data
EPS (Basic) 9.35 8.64 5.21 6.19 7.40 2.28 5.59 3.76 2.43 2.71 2.66 2.78 2.38 2.55 2.28
EPS (Diluted) 9.29 8.55 5.19 6.15 7.34 2.27 5.56 3.74 2.42 2.71 2.65 2.78 2.38 2.55 2.28
Shares Outstanding 357.8 396.5 421.2 480.4 564.6 589 670.2 742.3 795.6 829.2 833.8 757.4 830.3 830.3 830.3
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Current Assets
Cash & Cash Equivalents 14,973 14,711 14,259 10,294 8,337 11,524 12,147 9,396 11,602 9,321 12,325 11,828 2,319 1,334
Short-Term Investments 2,348 3,079 3,799 4,879 5,283 7,469 5,911 6,062 4,473 5,095 3,127 1,583 221 188
Net Receivables 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 17,321 17,790 18,058 15,173 13,620 18,993 18,058 15,458 16,075 14,416 15,452 13,411 2,540 1,522
Non-Current Assets
Property, Plant & Equipment 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Goodwill 1,363 1,274 1,018 1,105 1,105 1,078 1,078 1,024 991 949 949 949 949 936
Intangible Assets 1,255 854 815 742 1,168 1,125 1,265 1,137 749 712 701 519 300 255
Long-Term Investments 93,366 104,721 103,244 92,470 85,101 81,872 87,940 93,139 81,947 76,352 68,305 61,633 57,269 52,318
Other Non-Current Assets 5,790 (5,176) (5,656) (4,926) (5,246) (7,120) (3,515) (3,966) (3,954) (2,222) (1,417) (805) (1,973) (1,569)
Total Non-Current Assets 101,774 101,673 99,421 89,391 82,128 76,955 86,768 91,334 79,733 75,791 68,538 62,296 56,545 51,940
Total Assets 119,095 119,463 117,479 104,564 95,748 95,948 104,826 106,792 95,808 90,207 83,990 75,707 59,085 53,462
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 81,144 82,062 81,153 71,735 62,270 62,782 65,154 64,019 56,488 52,055 43,367 34,955 25,719 18,804
Total Current Liabilities 81,144 82,062 81,153 77,500 67,586 67,472 69,872 68,118 60,775 55,864 47,107 37,769 28,804 21,065
Non-Current Liabilities
Long-Term Debt 15,182 15,462 15,982 14,191 14,507 15,775 19,866 23,996 20,799 20,147 24,279 27,460 24,321 27,815
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 6,003 5,359 6,441 0 0 0 0 0 0 0 0 0 0 0
Total Non-Current Liabilities 21,185 20,821 22,423 14,191 14,507 15,775 19,866 23,996 20,799 20,147 24,279 27,460 24,321 27,815
Total Liabilities 102,329 102,883 103,576 91,691 82,093 83,247 89,738 92,114 81,574 76,011 71,386 65,229 53,125 48,880
Stockholders' Equity
Common Stock 1 1 1 1 1 1 1 1 1 1 1 1 0 0
Retained Earnings 24,598 21,635 18,662 16,716 14,245 10,621 12,117 8,986 6,809 5,330 3,293 1,079 0 0
Accumulated Other Comprehensive Income (48) (59) (68) (125) (69) (51) (58) (62) (64) (53) (41) (10) (13) 2
Total Stockholders' Equity 16,766 16,580 13,903 12,873 13,655 12,701 15,088 14,678 14,234 14,196 12,604 10,478 5,960 4,582
Total Liabilities & Equity 119,095 119,463 117,479 104,564 95,748 95,948 104,826 106,792 95,808 90,207 83,990 75,707 59,085 53,462
Debt Metrics
Total Debt 15,182 15,462 15,982 14,191 14,507 15,775 19,866 23,996 20,799 20,147 24,279 27,460 24,321 27,815
Net Debt 209 751 1,723 3,897 6,170 4,251 7,719 14,600 9,197 10,826 11,954 15,632 22,002 26,481
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
Operating Activities
Net Income 3,552 3,499 2,238 3,016 4,221 1,385 3,747 2,790 1,935 2,251 2,214 2,109 1,979 2,119 1,890
Depreciation & Amortization 514 481 458 419 390 383 367 302 254 219 174 131 104 83 96
Stock-Based Compensation 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (161) (205) (345) (269) 1,021 291 65 157 397 (547) 710 92 698 828 1,214
Other Non-Cash Items 5,762 6,171 6,700 3,949 1,248 6,030 4,788 6,146 649 4,511 3,381 3,211 3,135 60 (70)
Operating Cash Flow 9,851 9,848 8,593 6,694 7,099 7,487 8,990 9,342 8,916 6,823 6,184 5,340 5,679 5,637 5,516
Investing Activities
Capital Expenditure 0 0 0 0 0 0 0 0 0 0 0 0 (7,272) 0 (4,678)
Acquisitions (161) (1,444) 0 0 0 0 0 0 0 0 0 0 6,393 0 3,153
Purchases of Investments (1,187) (2,811) (3,623) (3,866) (2,990) (9,913) (7,856) (7,271) (3,159) (3,380) (5,102) (1,376) (100) (31) (94)
Sales/Maturities of Investments 1,952 3,616 5,011 3,984 5,080 8,383 8,085 5,668 3,762 1,380 3,538 27 40 40 17
Other Investing Activities (5,458) (8,264) (15,622) (10,352) (6,904) 1,032 (490) (17,433) (10,013) (11,320) (9,239) (8,719) (127) (6,461) 32
Investing Cash Flow (4,854) (8,903) (14,234) (10,234) (4,814) (498) (261) (19,036) (9,410) (13,320) (10,803) (10,068) (1,066) (6,452) (1,570)
Financing Activities
Net Debt Issuance (295) (536) 1,777 (329) (1,281) (4,108) (4,147) 3,180 633 (4,166) (3,147) 2,972 (3,491) 1,925 (5,046)
Stock Repurchased (2,941) (1,008) (1,112) (3,320) (2,876) (985) (3,618) (1,868) (1,497) (476) 0 0 0 0 0
Dividends Paid (510) (470) (448) (476) (542) (562) (581) (534) (446) (214) 0 0 0 0 0
Other Financing Activities (989) 915 9,415 9,409 (505) (2,376) 1,154 7,475 4,085 8,661 8,263 11,265 (137) (963) 2,068
Financing Cash Flow (4,735) (611) 9,632 5,284 (5,204) (8,031) (6,458) 8,253 2,775 3,493 5,116 14,237 (3,628) 962 (2,978)
Cash Position
Net Change in Cash 262 334 3,991 1,744 (2,919) (1,042) 2,271 (1,441) 2,281 (3,004) 497 9,509 985 147 968
Cash at Beginning 14,755 14,421 10,430 8,686 11,605 12,647 10,376 11,817 9,321 12,325 11,828 2,319 1,334 1,187 219
Cash at End 15,017 14,755 14,421 10,430 8,686 11,605 12,647 10,376 11,602 9,321 12,325 11,828 2,319 1,334 1,187
Free Cash Flow 9,851 9,848 8,593 6,694 7,099 7,487 8,990 9,342 8,916 6,823 6,184 5,340 (1,593) 5,637 838
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
Income Statement
Revenue 19,116 20,759 17,338 13,195 11,224 12,827 15,603 15,154 13,758 12,220 10,882 10,152 9,440 8,809 8,210
Gross Profit 9,756 9,392 7,662 8,299 9,466 5,852 9,132 7,739 7,071 6,986 6,795 6,313 5,626 5,499 5,020
Operating Income 4,621 4,553 2,904 3,962 5,503 1,797 4,887 3,644 3,324 3,570 3,531 3,386 3,142 3,376 3,010
Net Income 3,552 3,499 2,238 3,016 4,221 1,385 3,747 2,790 1,935 2,251 2,214 2,109 1,979 2,119 1,890
EPS (Diluted) 9.29 8.55 5.19 6.15 7.34 2.27 5.56 3.74 2.42 2.71 2.65 2.78 2.38 2.55 2.28
Balance Sheet
Cash & Equivalents 14,973 14,711 14,259 10,294 8,337 11,524 12,147 9,396 11,602 9,321 12,325 11,828 2,319 1,334
Total Assets 119,095 119,463 117,479 104,564 95,748 95,948 104,826 106,792 95,808 90,207 83,990 75,707 59,085 53,462
Total Debt 15,182 15,462 15,982 14,191 14,507 15,775 19,866 23,996 20,799 20,147 24,279 27,460 24,321 27,815
Stockholders' Equity 16,766 16,580 13,903 12,873 13,655 12,701 15,088 14,678 14,234 14,196 12,604 10,478 5,960 4,582
Cash Flow
Operating Cash Flow 9,851 9,848 8,593 6,694 7,099 7,487 8,990 9,342 8,916 6,823 6,184 5,340 5,679 5,637 5,516
Capital Expenditure 0 0 0 0 0 0 0 0 0 0 0 0 (7,272) 0 (4,678)
Free Cash Flow 9,851 9,848 8,593 6,694 7,099 7,487 8,990 9,342 8,916 6,823 6,184 5,340 (1,593) 5,637 838