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Synchrony Financial Income Statement 2025-2011 | SYF
Brief overview of financial results at Synchrony Financial
This overview is based on financial performance over the past five years. Revenue at Synchrony Financial moved from $11.8 billion in 2014 to $17.2 billion in 2019. The total change was +45.4%, with a CAGR of approximately 7.8%. This represents moderate business growth.
Net income changed from $2.1 billion to $3.7 billion (+77.7%). The latest figure was the best within the selected horizon.
Market value was $23.4 billion at the start and $19.3 billion at the end. Market value lagged the financial performance.
Overall conclusion
The key indicators are moving favorably, but the picture is not uniformly strong. Key strengths include sales growth and a stronger final result. Future reports should be judged by revenue momentum, margins, and the conversion of sales into net income.
Annual Income Statement Synchrony Financial
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap |
27.9 B | 26.8 B | 16.3 B | 17.5 B | 25.9 B | 19.8 B | 19.3 B | 22.3 B | 31.5 B | 30.2 B | 23.7 B | 23.4 B | - | - | - |
Shares |
370 M | 396 M | 421 M | 480 M | 565 M | 589 M | 584 M | 742 M | 796 M | 829 M | 834 M | 757 M | - | - | - |
Historical Prices |
75.4 | 67.6 | 38.8 | 36.5 | 45.9 | 33.5 | 33.7 | 21.4 | 34.4 | 31.8 | 26.5 | 26 | - | - | - |
Net Income |
3.55 B | 3.5 B | 2.24 B | 3.02 B | 4.22 B | 1.38 B | 3.75 B | 2.79 B | 1.94 B | 2.25 B | 2.21 B | 2.11 B | 1.98 B | 2.12 B | 1.89 B |
Revenue |
- | - | - | - | - | - | 17.2 B | 16.4 B | 15.3 B | 13.9 B | 12.5 B | 11.8 B | 11.3 B | 10.2 B | 8.9 B |
Cost of Revenue |
2.09 B | 1.87 B | 1.88 B | 1.68 B | 1.5 B | 1.38 B | 1.46 B | 1.43 B | 1.3 B | 1.2 B | 1.04 B | 866 M | 698 M | 620 M | - |
Gross Profit |
- | - | - | - | - | - | 17.2 B | - | - | - | - | - | - | - | - |
Interest Expense |
18.5 B | 18 B | 3.71 B | 1.52 B | 1.03 B | 1.66 B | 2.29 B | 1.87 B | 1.39 B | 1.25 B | 1.14 B | 922 M | 742 M | 745 M | - |
EBITDA |
514 M | 481 M | 458 M | 419 M | 390 M | 383 M | 5.25 B | - | - | - | - | - | - | - | - |
Operating Expenses |
- | - | - | - | - | - | 14.6 B | 14.6 B | 13.4 B | 11.6 B | 10.1 B | 9.34 B | - | - | - |
General and Administrative Expenses |
- | - | - | - | - | - | 1.94 B | 1.85 B | 1.69 B | 1.54 B | 1.34 B | 1.08 B | 698 M | 620 M | 596 M |
All numbers in USD currency
Quarterly Income Statement Synchrony Financial
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 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 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Shares |
331 M | 342 M | 347 M | 366 M | 376 M | 385 M | 388 M | 392 M | 399 M | 405 M | 407 M | 416 M | 423 M | 434 M | 438 M | 468 M | 493 M | 515 M | 527 M | 561 M | 577 M | 583 M | 584 M | 584 M | 584 M | 605 M | 616 M | 658 M | 684 M | 706 M | 719 M | 735 M | 752 M | 764 M | 771 M | 787 M | 804 M | 813 M | 817 M | 828 M | 834 M | 834 M | 834 M | 834 M | 834 M | 834 M | 834 M | 782 M | 705 M | 705 M | - | 705 M | 705 M | - | - | - | - | - | - | - | - | - |
Net Income |
885 M | 805 M | - | 1.08 B | 967 M | 757 M | - | 789 M | 643 M | 1.29 B | - | 628 M | 569 M | 601 M | - | 703 M | 804 M | 932 M | - | 1.14 B | 1.24 B | 1.02 B | - | 313 M | 48 M | 286 M | 731 M | 1.06 B | 853 M | 1.11 B | 783 M | 671 M | 696 M | 640 M | 385 M | 555 M | 496 M | 499 M | 576 M | 604 M | 489 M | 582 M | 547 M | 574 M | 541 M | 552 M | 531 M | 548 M | 472 M | 558 M | 443 M | 641 M | 536 M | 359 M | - | - | - | - | - | - | - | - |
Revenue |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.84 B | 3.83 B | 4.41 B | 4.58 B | 4.98 B | 4.74 B | 4.79 B | 4.88 B | 4.69 B | 4.17 B | 4.24 B | 4.29 B | 4.23 B | 3.97 B | 3.91 B | 3.95 B | 3.8 B | 3.52 B | 3.52 B | 3.51 B | 3.39 B | 3.18 B | 3.15 B | 3.26 B | 3.12 B | 2.93 B | 2.93 B | 3.04 B | 2.89 B | 2.69 B | 2.7 B | - | - | - | - | - | - | - | - |
Cost of Revenue |
516 M | 515 M | - | 503 M | 509 M | 506 M | - | 464 M | 434 M | 496 M | - | 444 M | 451 M | 451 M | - | 416 M | 404 M | 402 M | - | 369 M | 359 M | 364 M | - | 382 M | 327 M | 324 M | - | 359 M | 358 M | 353 M | - | 365 M | 351 M | 358 M | - | 333 M | 318 M | 323 M | - | 311 M | 301 M | 280 M | - | 268 M | 250 M | 239 M | - | 239 M | 207 M | 193 M | - | 173 M | 173 M | - | - | - | - | - | - | - | - | - |
Interest Expense |
4.61 B | 4.64 B | - | 4.72 B | 4.52 B | 4.46 B | - | 4.61 B | 4.4 B | 4.4 B | - | 4.36 B | 4.12 B | 735 M | - | 414 M | 272 M | 233 M | - | 240 M | 266 M | 303 M | - | 380 M | 434 M | 517 M | 556 M | 592 M | 583 M | 560 M | 543 M | 488 M | 437 M | 402 M | 375 M | 357 M | 333 M | 326 M | 319 M | 315 M | 303 M | 311 M | 301 M | 289 M | 270 M | 275 M | 282 M | 244 M | 206 M | 190 M | 188 M | 183 M | 178 M | 193 M | - | - | - | - | - | - | - | - |
EBITDA |
288 M | 143 M | - | - | - | 125 M | - | - | - | 119 M | - | - | - | 111 M | - | 318 M | - | 107 M | - | 285 M | 192 M | 95 M | - | 290 M | 193 M | 96 M | - | 273 M | 179 M | 87 M | - | 222 M | 144 M | 71 M | - | 187 M | 118 M | 59 M | - | 164 M | 108 M | 54 M | - | 127 M | 81 M | 37 M | - | 96 M | 63 M | 31 M | - | 77 M | 52 M | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
The income statement is one of the three key financial reports of a company Synchrony Financial (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:
- How much revenue the company earned
- How much it spent on production, personnel, marketing, taxes, etc.
- What profit remained in the end
Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.
Features- The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
- Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
- A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.
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