Synchrony Financial Statements From 2010 to 2024

Stocks . USA . 
Stock . Synchrony Financial
SYF Stock  USD 67.52  0.30  0.45%   
Synchrony Financial financial statements provide useful quarterly and yearly information to potential Synchrony Financial investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Synchrony Financial financial statements helps investors assess Synchrony Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Synchrony Financial's valuation are summarized below:
Gross Profit
8.3 B
Profit Margin
0.3514
Market Capitalization
26.3 B
Enterprise Value Revenue
2.6993
Revenue
9 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 2024 to make sure the company can sustain itself down the road.

Synchrony Financial Total Revenue

12.16 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 435.1 M, Interest Expense of 3.9 B or Selling General Administrative of 1.3 B, as well as many indicators such as Price To Sales Ratio of 2.26, Dividend Yield of 0.0182 or PTB Ratio of 2.24. Synchrony financial statements analysis is a perfect complement when working with Synchrony Financial Valuation or Volatility modules.
  
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 Outstanding562.4 M406.9 M702.1 M
Slightly volatile
Total Assets99.3 B117.5 B86 B
Slightly volatile
Short and Long Term Debt Total18.8 B16 B23.8 B
Slightly volatile
Total Current Liabilities4.5 B4.2 B3.9 B
Slightly volatile
Total Stockholder Equity13.3 B13.9 B11.2 B
Slightly volatile
Other Liabilities139.4 M146.7 M1.4 B
Slightly volatile
Net Debt1.6 B1.7 B12.6 B
Slightly volatile
Accounts Payable29.4 M31 M11.9 B
Pretty Stable
Cash10.5 B14.3 B8.5 B
Slightly volatile
Non Current Assets Total1.7 B1.8 B38.6 B
Very volatile
Other Assets8.5 B9 B41.6 B
Very volatile
Long Term Debt13.9 B16 B18.5 B
Slightly volatile
Cash And Short Term Investments11.7 B14.3 B9.4 B
Slightly volatile
Good Will1.1 B1 B1 B
Slightly volatile
Short Term Investments4.4 B3.8 B3.5 B
Slightly volatile
Liabilities And Stockholders Equity99.3 B117.5 B86 B
Slightly volatile
Non Current Liabilities Total15.2 B16 B48 B
Very volatile
Total Liabilities86 B103.6 B74.8 B
Slightly volatile
Total Current Assets112 B106.7 B22.3 B
Slightly volatile
Intangible Assets919.7 M815 M764.2 M
Slightly volatile
Common Stock855 K900 K1.3 B
Slightly volatile
Net Tangible Assets8.9 B8.8 B10.2 B
Pretty Stable
Retained Earnings10.8 B18.7 B7.5 B
Slightly volatile
Net Receivables54 B92.4 B64.1 B
Very volatile
Common Stock Total Equity800 K900 K980 K
Slightly volatile
Retained Earnings Total Equity9.7 B19.2 B7.5 B
Slightly volatile
Long Term Debt Total17.8 B16.3 B15.1 B
Slightly volatile
Capital Surpluse10.5 B11.2 B9.7 B
Slightly volatile
Long Term Investments3.6 B3.8 B46.6 B
Slightly volatile
Short and Long Term Debt641.2 M675 M13.8 B
Slightly volatile
Short Term Debt4 B4.2 B15.5 B
Slightly volatile
Earning Assets6.7 B11.1 B5.7 B
Slightly volatile
Net Invested Capital25 B29.2 B32.6 B
Slightly volatile
Capital Stock673.9 M845.2 M297.9 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 Amortization435.1 M458 M1.8 B
Slightly volatile
Interest Expense3.9 B3.7 B1.6 B
Slightly volatile
Selling General Administrative1.3 B1.6 B1.1 B
Slightly volatile
Selling And Marketing Expenses468.5 M527 M415.1 M
Slightly volatile
Total Revenue12.2 B7.7 B11 B
Slightly volatile
Gross Profit11.7 B7.7 B10.6 B
Slightly volatile
Other Operating Expenses2.9 B3.9 B2.5 B
Slightly volatile
Operating Income4.8 B3.7 B4.4 B
Pretty Stable
EBITDA5.1 B4.1 B4.7 B
Slightly volatile
Income Before Tax3.9 B2.9 B3.5 B
Slightly volatile
Net Income2.7 B2.2 B2.4 B
Slightly volatile
Income Tax Expense870.3 M666 M1.1 B
Slightly volatile
Net Income Applicable To Common Shares2.8 B3.4 B2.5 B
Slightly volatile
Net Income From Continuing Ops3.1 B2.2 B4 B
Slightly volatile
Tax Provision828.9 M666 M1.1 B
Slightly volatile
Net Interest Income16.5 B17 B14.1 B
Slightly volatile
Interest Income18.4 B20.7 B15.7 B
Slightly volatile
Reconciled Depreciation404.3 M458 M317 M
Slightly volatile

Synchrony Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation4.1 B6.9 B3.9 B
Slightly volatile
Begin Period Cash Flow8.8 B10.4 B7.5 B
Slightly volatile
Depreciation286 M458 M250.8 M
Slightly volatile
Total Cash From Operating Activities7.8 B8.6 B7 B
Slightly volatile
Net Income2.7 B2.2 B2.4 B
Slightly volatile
End Period Cash Flow10 B14.4 B8.6 B
Slightly volatile
Dividends Paid465.4 M448 M370.2 M
Slightly volatile
Change To Netincome3 B2.7 B3.4 B
Very volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.262.09942.0767
Pretty Stable
Dividend Yield0.01820.02790.0162
Slightly volatile
PTB Ratio2.241.1572.3389
Slightly volatile
Book Value Per Share34.6633.008118.013
Slightly volatile
Operating Cash Flow Per Share21.4220.401211.1905
Slightly volatile
Capex To Depreciation47.4662.9365.1335
Pretty Stable
PB Ratio2.241.1572.3389
Slightly volatile
EV To Sales3.392.32433.292
Slightly volatile
ROIC0.0760.09450.0917
Slightly volatile
Net Income Per Share2.995.31343.5889
Slightly volatile
Sales General And Administrative To Revenue0.210.20280.1123
Slightly volatile
Capex To Revenue0.480.590.6247
Very volatile
Cash Per Share35.5533.853319.1675
Slightly volatile
POCF Ratio3.521.87193.2377
Slightly volatile
Interest Coverage0.940.98713.4838
Slightly volatile
Payout Ratio0.160.20020.153
Slightly volatile
Capex To Operating Cash Flow0.851.151.1854
Pretty Stable
Income Quality2.483.83963.047
Very volatile
ROE0.250.1610.2595
Slightly volatile
EV To Operating Cash Flow1.972.07255.131
Slightly volatile
PE Ratio10.687.18759.7994
Pretty Stable
Return On Tangible Assets0.03190.01940.0307
Slightly volatile
Earnings Yield0.0960.13910.1135
Slightly volatile
Intangibles To Total Assets0.02210.01560.0205
Pretty Stable
Net Debt To EBITDA0.870.923.1102
Slightly volatile
Current Ratio1.92.372.102
Slightly volatile
Tangible Book Value Per Share30.0928.656215.2894
Slightly volatile
Graham Number31.7762.818436.2618
Slightly volatile
Shareholders Equity Per Share34.6633.008118.013
Slightly volatile
Debt To Equity2.31.14952.6352
Slightly volatile
Capex Per Share5.767.888.0835
Pretty Stable
Revenue Per Share13.2218.190915.9032
Slightly volatile
Interest Debt Per Share26.0546.754532.3717
Very volatile
Debt To Assets0.130.1360.2798
Slightly volatile
Enterprise Value Over EBITDA4.394.638.2492
Slightly volatile
Price Earnings Ratio10.687.18759.7994
Pretty Stable
Price Book Value Ratio2.241.1572.3389
Slightly volatile
Dividend Payout Ratio0.160.20020.153
Slightly volatile
Price To Operating Cash Flows Ratio3.521.87193.2377
Slightly volatile
Pretax Profit Margin0.260.3790.3242
Very volatile
Ebt Per Ebit0.840.79280.7567
Pretty Stable
Operating Profit Margin0.450.47810.4122
Pretty Stable
Effective Tax Rate0.340.22930.3175
Slightly volatile
Company Equity Multiplier8.618.44998.3909
Slightly volatile
Long Term Debt To Capitalization0.690.53480.6632
Slightly volatile
Total Debt To Capitalization0.690.53480.6632
Slightly volatile
Return On Capital Employed0.05890.03120.0575
Slightly volatile
Debt Equity Ratio2.31.14952.6352
Slightly volatile
Ebit Per Revenue0.450.47810.4122
Pretty Stable
Quick Ratio14.8919.1315.9967
Slightly volatile
Dividend Paid And Capex Coverage Ratio11.7219.180814.9275
Pretty Stable
Net Income Per E B T0.550.77070.6752
Slightly volatile
Cash Ratio1.92.372.102
Slightly volatile
Operating Cash Flow Sales Ratio1.181.12150.6908
Slightly volatile
Cash Flow Coverage Ratios0.30.53770.3449
Slightly volatile
Price To Book Ratio2.241.1572.3389
Slightly volatile
Capital Expenditure Coverage Ratio1.080.90.8619
Pretty Stable
Price Cash Flow Ratio3.521.87193.2377
Slightly volatile
Enterprise Value Multiple4.394.638.2492
Slightly volatile
Debt Ratio0.130.1360.2798
Slightly volatile
Cash Flow To Debt Ratio0.30.53770.3449
Slightly volatile
Price Sales Ratio2.262.09942.0767
Pretty Stable
Return On Assets0.03120.01910.0301
Slightly volatile
Asset Turnover0.0620.06520.133
Slightly volatile
Net Profit Margin0.180.29210.2221
Pretty Stable
Gross Profit Margin0.991.050.924
Slightly volatile
Price Fair Value2.241.1572.3389
Slightly volatile
Return On Equity0.250.1610.2595
Slightly volatile

Synchrony Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap25.4 B18.5 B23.4 B
Slightly volatile

Synchrony Fundamental Market Drivers

Forward Price Earnings10.3842
Cash And Short Term Investments14.3 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 Revenue7.7 B12.2 B
Cost Of Revenue3.2 B3.4 B
Sales General And Administrative To Revenue 0.20  0.21 
Capex To Revenue 0.59  0.48 
Revenue Per Share 18.19  13.22 
Ebit Per Revenue 0.48  0.45 

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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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Largest Financial Services 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 CEOs Directory module to screen CEOs from public companies around the world.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? 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. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Synchrony Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.311
Dividend Share
1
Earnings Share
7.7
Revenue Per Share
22.405
Quarterly Revenue Growth
0.116
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. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. 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. However, Synchrony Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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