Synchrony Financial
SYF · NYSE
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $4,834 | $4,712 | $4,804 | $4,919 |
| % Growth | 2.6% | -1.9% | -2.3% | – |
| Cost of Goods Sold | $2,157 | $2,211 | $2,577 | $2,679 |
| Gross Profit | $2,677 | $2,501 | $2,227 | $2,240 |
| % Margin | 55.4% | 53.1% | 46.4% | 45.5% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $503 | $509 | $506 | $435 |
| SG&A Expenses | $623 | $636 | $622 | $582 |
| Sales & Mktg Exp. | $120 | $127 | $116 | $147 |
| Other Operating Expenses | $625 | $609 | $621 | $685 |
| Operating Expenses | $1,248 | $1,245 | $1,243 | $1,267 |
| Operating Income | $1,429 | $1,256 | $984 | $973 |
| % Margin | 29.6% | 26.7% | 20.5% | 19.8% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $1,429 | $1,256 | $984 | $973 |
| Tax Expense | $352 | $289 | $227 | $199 |
| Net Income | $1,077 | $967 | $757 | $774 |
| % Margin | 22.3% | 20.5% | 15.8% | 15.7% |
| EPS | 2.89 | 2.51 | 1.91 | 1.93 |
| % Growth | 15.1% | 31.4% | -1% | – |
| EPS Diluted | 2.86 | 2.5 | 1.89 | 1.91 |
| Weighted Avg Shares Out | 376 | 376 | 385 | 389 |
| Weighted Avg Shares Out Dil | 379 | 379 | 389 | 395 |
| Supplemental Information | – | – | – | – |
| Interest Income | $5,731 | $5,586 | $5,550 | $5,710 |
| Interest Expense | $1,011 | $1,065 | $1,086 | $1,118 |
| Depreciation & Amortization | $128 | $122 | $125 | $120 |
| EBITDA | $1,557 | $1,378 | $1,109 | $1,093 |
| % Margin | 32.2% | 29.2% | 23.1% | 22.2% |