Synchrony Financial
Profit after direct costs
Core business profitability
Bottom line profitability
Top line growth rate
Flow of revenue through cost categories to net income
| Item | Trend | 2021 | 2022 | 2023 | 2024 | 2025 | YoY Change |
|---|---|---|---|---|---|---|---|
Total Revenue | 11.22B | 13.20B | 17.34B | 20.76B | 19.12B | -7.9% | |
| Cost of Revenue | (1.76B) | (4.90B) | (9.68B) | (11.37B) | (9.36B) | -17.7% | |
Gross Profit | 9.47B | 8.30B | 7.66B | 9.39B | 9.76B | 3.9% | |
| Operating Expenses | |||||||
| Research & Development | — | — | — | — | — | — | |
| Selling, General & Administrative | (1.99B) | (2.17B) | (2.41B) | (2.35B) | (2.60B) | 10.7% | |
| General & Administrative | (1.50B) | (1.68B) | (1.88B) | (1.83B) | (2.09B) | 14.4% | |
| Selling & Marketing | (486.00M) | (487.00M) | (527.00M) | (524.00M) | (511.00M) | -2.5% | |
| Depreciation & Amortization | (390.00M) | (419.00M) | (458.00M) | (481.00M) | (514.00M) | 6.9% | |
Operating Income (EBIT) | 5.50B | 3.96B | 2.90B | 4.55B | 4.62B | 1.5% | |
| Non-Operating Items | |||||||
| Interest Income | 15.27B | 17.15B | 20.71B | 22.64B | 22.60B | -0.2% | |
| Interest Expense | (1.03B) | (1.52B) | (3.71B) | (4.63B) | (4.13B) | -10.8% | |
| Other Income/Expenses (Net) | — | — | — | — | — | — | |
Income Before Tax | 5.50B | 3.96B | 2.90B | 4.55B | 4.62B | 1.5% | |
| Income Tax Expense | (1.28B) | (946.00M) | (666.00M) | (1.05B) | (1.07B) | 1.4% | |
Net Income | 4.22B | 3.02B | 2.24B | 3.50B | 3.55B | 1.5% | |
| Per Share Metrics | |||||||
| Earnings Per Share (Basic) | $7 | $6 | $5 | $9 | $9 | 8.2% | |
| Weighted Avg Shares Outstanding | 564.60M | 480.40M | 421.20M | 396.50M | 357.84M | -9.7% | |
| Weighted Avg Shares Outstanding (Diluted) | 569.30M | 483.40M | 423.50M | 400.60M | 357.84M | -10.7% | |
EBITDA | 5.89B | 4.38B | 3.36B | 5.03B | 5.13B | 2.0% |
Explore SYF
SYF in the Financial Services
Large Cap