Synchrony Financial
SYF · NYSE
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $4,834,000 | $4,712,000 | $4,804,000 | $4,919,000 |
| % Growth | 2.6% | -1.9% | -2.3% | – |
| Cost of Goods Sold | $2,157,000 | $2,211,000 | $2,577,000 | $2,679,000 |
| Gross Profit | $2,677,000 | $2,501,000 | $2,227,000 | $2,240,000 |
| % Margin | 55.4% | 53.1% | 46.4% | 45.5% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $503,000 | $509,000 | $506,000 | $435,000 |
| SG&A Expenses | $623,000 | $636,000 | $622,000 | $582,000 |
| Sales & Mktg Exp. | $120,000 | $127,000 | $116,000 | $147,000 |
| Other Operating Expenses | $625,000 | $609,000 | $621,000 | $685,000 |
| Operating Expenses | $1,248,000 | $1,245,000 | $1,243,000 | $1,267,000 |
| Operating Income | $1,429,000 | $1,256,000 | $984,000 | $973,000 |
| % Margin | 29.6% | 26.7% | 20.5% | 19.8% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $1,429,000 | $1,256,000 | $984,000 | $973,000 |
| Tax Expense | $352,000 | $289,000 | $227,000 | $199,000 |
| Net Income | $1,077,000 | $967,000 | $757,000 | $774,000 |
| % 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 | 375,700 | 376,200 | 385,200 | 389,300 |
| Weighted Avg Shares Out Dil | 379,400 | 379,100 | 389,400 | 394,800 |
| Supplemental Information | – | – | – | – |
| Interest Income | $5,731,000 | $5,586,000 | $5,550,000 | $5,710,000 |
| Interest Expense | $1,011,000 | $1,065,000 | $1,086,000 | $1,118,000 |
| Depreciation & Amortization | $128,000 | $122,000 | $125,000 | $120,000 |
| EBITDA | $1,557,000 | $1,378,000 | $1,109,000 | $1,093,000 |
| % Margin | 32.2% | 29.2% | 23.1% | 22.2% |