Synchrony Financial (SYF) · 12 Years of Financial statements

Income Statement

Revenue

8,706

10,048

11,071

11,805

12,485

13,874

15,304

16,383

17,170

14,807

14,720

17,146

COGS

- -

Gross Profit

- -

Gross Profit Ratio

- -

Operating Expenses

- -

1,319

R&D Expenses

- -

Selling, G&A Exp.

817

828

967

1,326

1,475

1,630

1,812

1,955

2,004

1,787

1,987

1,319

General and Admin. Exp.

596

620

698

866

1,042

1,207

1,314

1,427

1,455

1,339

1,501

832

Selling and Marketing Exp.

221

208

269

460

433

423

498

528

549

448

486

487

Other Expenses

(1,428)

(1,984)

- -

(2,575)

(2,738)

(2,902)

(2,937)

(3,099)

(3,858)

(3,645)

- -

COGS and Expenses

- -

Interest Income

9,141

10,309

11,313

12,242

13,228

14,778

16,407

17,988

19,090

16,067

15,271

17,146

Interest Expense

932

745

742

922

1,135

1,248

1,391

1,870

2,291

1,665

1,032

1,521

Depreciation and Amortization

96

83

104

131

174

219

254

302

367

383

390

419

EBITDA

4,038

4,204

3,988

4,439

4,840

5,037

4,969

5,816

7,545

3,845

6,925

5,860

EBITDA ratio

46.38%

41.84%

36.02%

37.60%

38.77%

36.31%

32.47%

35.50%

43.94%

25.97%

47.04%

34.18%

Operating Income

- -

Operating Income ratio

- -

Total Other Income Exp.(Gains)

- -

Income Before Tax

3,010

3,376

3,142

3,386

3,531

3,570

3,324

3,644

4,887

1,797

5,503

3,962

Income Before Tax ratio

34.57%

33.60%

28.38%

28.68%

28.28%

25.73%

21.72%

22.24%

28.46%

12.14%

37.38%

23.11%

Income Tax Expense (Gain)

1,120

1,257

1,163

1,277

1,317

1,319

1,389

854

1,140

412

1,282

946

Net Income

1,890

2,119

1,979

2,109

2,214

2,251

1,935

2,790

3,747

1,385

4,221

2,974

Net Income Ratio

21.71%

21.09%

17.88%

17.87%

17.73%

16.22%

12.64%

17.03%

21.82%

9.35%

28.68%

17.35%

EPS

2.28

2.55

2.21

2.78

2.66

2.71

2.43

3.76

5.59

2.28

7.40

5.27

EPS Diluted

2.28

2.55

2.21

2.78

2.65

2.71

2.42

3.74

5.56

2.27

7.34

5.22

Weighted Avg. Shares Outs.

830

757

834

829

796

742

670

589

565

Weighted Avg. Shares Outs. Dil.

831

758

836

832

800

747

674

591

569

SEC Link

Link

Balance Sheet

Cash and Cash Equivalents

- -

1,334

2,319

11,828

12,325

9,321

11,602

9,396

12,147

11,524

8,337

10,215

Short-Term Investments

- -

188

221

1,583

3,127

5,095

4,473

6,062

5,911

7,469

5,283

- -

Cash & Short-Term Investments

- -

1,522

2,540

13,411

15,452

14,416

16,075

15,458

18,058

18,993

13,620

10,215

Net Receivables

- -

3

Inventory

- -

Other Current Assets

- -

Total Current Assets

- -

10,218

PP&E

- -

Goodwill

- -

936

949

991

1,024

1,078

1,105

- -

Intangible Assets

- -

255

300

519

701

712

749

1,137

1,265

1,125

1,168

- -

Goodwill and Intangible Assets

- -

1,191

1,249

1,468

1,650

1,661

1,740

2,161

2,343

2,203

2,273

- -

Investments

- -

193

236

1,598

3,142

5,110

4,488

6,062

5,911

7,469

5,283

- -

Tax Assets

- -

Other Non-Current Assets

- -

Total Non-Current Assets

- -

Other Assets

- -

53,462

59,085

75,707

84,135

90,207

95,808

106,792

104,826

95,948

95,748

87,934

Total Assets

- -

53,462

59,085

75,707

84,135

90,207

95,808

106,792

104,826

95,948

95,748

98,152

Accounts Payable

- -

Short-Term Debt

- -

7,315

Tax Payable

- -

24

Deferred Revenue

- -

Other Current Liabilities

- -

Total Current Liabilities

- -

7,339

Long-Term Debt

- -

27,815

24,321

27,460

24,344

20,147

20,799

23,996

19,866

15,775

14,507

- -

Deferred Revenue

- -

Deferred Tax Liabilities

- -

Other Non-Current Liabilities

- -

72,068

Total Non-Current Liabilities

- -

72,068

Other Liabilities

- -

48,880

53,125

65,229

71,531

76,011

81,574

92,114

89,738

83,247

82,093

- -

Capital Lease Obligations

- -

Total Liabilities

- -

48,880

53,125

65,229

71,531

76,011

81,574

92,114

89,738

83,247

82,093

79,407

Preferred Stock

- -

734

- -

Common Stock

- -

1

- -

Retained Earnings

- -

1,079

3,293

5,330

6,809

8,986

12,117

10,621

14,245

17,261

Other Compreh. Income(Loss)

- -

2

(13)

(10)

(41)

(53)

(64)

(62)

(58)

(51)

(69)

- -

Other Total Stockhold. Equity

- -

4,580

5,973

9,408

9,351

8,918

7,488

5,753

2,294

1,396

(1,256)

- -

Total Stockholders Equity

- -

4,582

5,960

10,478

12,604

14,196

14,234

14,678

15,088

12,701

13,655

13,372

Total Liab.&Stockhold. Equity

- -

53,462

59,085

75,707

84,135

90,207

95,808

106,792

104,826

95,948

95,748

92,779

Minority Interest

- -

Total Liabilities & Equity

- -

53,462

59,085

75,707

84,135

90,207

95,808

106,792

104,826

95,948

95,748

92,779

SEC Link

Link

Cash Flow Statement

Net Income

1,890

2,119

1,979

2,109

2,214

2,251

1,935

2,790

3,747

1,385

4,221

3,016

Depreciation and Amortization

96

83

104

131

174

219

254

302

367

383

390

419

Deferred Income Tax

128

(18)

(237)

(203)

(295)

389

385

(53)

23

(602)

219

(421)

Stock Based Compensation

- -

Change in Working Capital

1,214

828

698

92

710

(547)

397

157

65

291

1,021

3,680

Accounts Receivable

(392)

(541)

(152)

68

(163)

(429)

(298)

(280)

(391)

339

424

- -

Inventory

- -

Accounts Payable

- -

Other Working Capital

- -

Other Non-Cash Items

2,188

2,625

3,135

3,211

3,381

4,511

5,945

6,146

4,788

6,030

1,248

- -

Cash Provided by Operating Activities

5,516

5,637

5,679

5,340

6,184

6,823

8,916

9,342

8,990

7,487

7,099

6,694

CAPEX

- -

Acquisitions Net

3,153

- -

6,393

- -

Purchases of Investments

(94)

(31)

(100)

(1,376)

(5,102)

(3,380)

(3,159)

(7,271)

(7,856)

(9,913)

(2,990)

(3,866)

Sales/Maturities of Investments

17

40

27

3,538

1,380

3,762

5,668

8,085

8,383

5,080

- -

Other Investing Activities

(4,646)

(6,461)

(7,399)

(8,719)

(9,239)

(11,320)

(10,013)

(17,433)

(490)

1,032

(6,904)

(6,368)

Cash Used for Investing Activities

(1,570)

(6,452)

(1,066)

(10,068)

(10,803)

(13,320)

(9,410)

(19,036)

(261)

(498)

(4,814)

(10,234)

Debt Repayment

(9,004)

(5,874)

(4,357)

(16,089)

(9,993)

(9,150)

(5,410)

(3,157)

(9,477)

(4,783)

(4,386)

(3,784)

Common Stock Issued

- -

2,842

- -

Common Stock Repurchased

- -

(476)

(1,497)

(1,868)

(3,618)

(985)

(2,876)

(3,320)

Dividends Paid

- -

(214)

(446)

(534)

(581)

(562)

(542)

(42)

Other Financing Activities

6,026

6,836

729

27,484

15,109

13,333

10,128

13,812

7,218

(1,701)

2,600

12,430

Cash Used/Provided by Financing Activities

(2,978)

962

(3,628)

14,237

5,116

3,493

2,775

8,253

(6,458)

(8,031)

(5,204)

5,284

Effect of Forex Changes on Cash

- -

Net Change In Cash

968

147

985

9,509

497

(3,004)

2,281

(1,441)

2,271

(1,042)

(2,919)

1,744

Cash at the End of Period

1,187

1,334

2,319

11,828

12,325

9,321

11,602

10,376

12,647

11,605

8,686

10,430

Cash at the Beginning of Period

219

1,187

1,334

2,319

11,828

12,325

9,321

11,817

10,376

12,647

11,605

8,686

Free Cash Flow

5,516

5,637

5,679

5,340

6,184

6,823

8,916

9,342

8,990

7,487

7,099

6,694

SEC Link

Link

Forex Rate

- -

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Synchrony Financial

28.16