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Synchrony Financial

SYFNYSE

28.48

USD
-0.48
(-1.67%)
Market Open
3.92P/E
5Forward P/E
0.19P/E to S&P500
14.280BMarket CAP
3.04%Div Yield
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Currency: USD, in millions
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
Income Statement
Revenue
8,904
10,247
11,284
11,805
12,485
13,874
15,304
16,383
17,170
15,456
14,720
COGS
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
17,170
- -
- -
Gross Profit Ratio
- -
- -
- -
- -
- -
- -
- -
- -
100.00%
- -
- -
Operating Expenses
- -
- -
- -
9,341
10,089
11,552
13,371
14,609
14,574
- -
- -
R&D Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Selling, G&A Exp.
817
828
967
1,538
1,772
1,968
2,185
2,381
2,489
1,828
1,987
General and Admin. Exp.
596
620
698
1,078
1,339
1,545
1,687
1,853
1,940
1,380
1,501
Selling and Marketing Exp.
221
208
269
460
433
423
498
528
549
448
486
Other Expenses
- -
- -
- -
7,803
8,317
9,584
11,186
12,228
12,085
- -
- -
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
Interest Expense
932
745
742
922
1,135
1,248
1,391
1,870
2,291
1,665
1,032
Depreciation and Amortization
96
83
104
131
174
219
254
302
367
383
390
EBITDA
4,038
4,204
3,988
4,439
4,840
5,037
4,969
5,816
7,545
3,845
6,925
EBITDA ratio
45.35%
41.03%
35.34%
37.60%
38.77%
36.31%
32.47%
35.50%
43.94%
24.88%
47.04%
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
Income Before Tax ratio
33.81%
32.95%
27.84%
28.68%
28.28%
25.73%
21.72%
22.24%
28.46%
11.63%
37.38%
Income Tax Expense (Gain)
1,120
1,257
1,163
1,277
1,317
1,319
1,389
854
1,140
412
1,282
Net Income
1,890
2,119
1,979
2,109
2,214
2,251
1,935
2,790
3,747
1,385
4,221
Net Income Ratio
21.23%
20.68%
17.54%
17.87%
17.73%
16.22%
12.64%
17.03%
21.82%
8.96%
28.68%
EPS
2.28
2.55
2.21
2.78
2.66
2.71
2.43
3.76
5.59
2.28
7.17
EPS Diluted
2.28
2.55
2.21
2.78
2.65
2.71
2.42
3.74
5.56
2.27
7.14
Weighted Avg. Shares Outs.
830
830
830
757
834
829
796
742
670
589
589
Weighted Avg. Shares Outs. Dil.
831
831
831
758
836
832
800
747
674
591
591
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
Short-Term Investments
- -
188
221
- -
- -
- -
- -
- -
- -
7,469
5,283
Cash & Short-Term Investments
- -
1,522
2,540
11,828
12,325
9,321
11,602
9,396
12,147
18,993
13,620
Net Receivables
- -
- -
- -
- -
- -
- -
- -
- -
81,613
- -
- -
Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Current Assets
- -
- -
- -
1,598
3,142
5,110
4,488
6,062
- -
- -
- -
Total Current Assets
- -
- -
- -
13,426
15,467
14,431
16,090
15,458
93,760
- -
- -
PP&E
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Goodwill
- -
936
949
949
949
949
991
1,024
1,078
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
- -
- -
- -
59,215
63,876
69,005
73,490
83,111
78,514
- -
- -
Total Non-Current Assets
- -
- -
- -
62,281
68,668
75,776
79,718
91,334
86,768
- -
- -
Other Assets
- -
53,462
59,085
- -
- -
- -
- -
- -
- -
95,948
95,748
Total Assets
- -
53,462
59,085
75,707
84,135
90,207
95,808
106,792
180,528
95,948
95,748
Accounts Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Short-Term Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Tax Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Current Liabilities
- -
- -
- -
37,769
47,107
55,864
60,775
68,118
69,872
- -
- -
Total Current Liabilities
- -
- -
- -
37,769
47,107
55,864
60,775
68,118
69,872
- -
- -
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
- -
- -
- -
- -
(65)
- -
- -
- -
- -
- -
- -
Total Non-Current Liabilities
- -
27,815
24,321
27,460
24,279
20,147
20,799
23,996
19,866
15,775
14,507
Other Liabilities
- -
76,695
77,446
- -
48,703
- -
- -
- -
- -
99,022
96,600
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
Preferred Stock
- -
- -
- -
- -
- -
- -
- -
- -
734
734
734
Common Stock
- -
- -
- -
1
1
1
1
1
1
1
1
Retained Earnings
- -
- -
- -
1,079
3,293
5,330
6,809
8,986
12,117
10,621
14,245
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
Total Liab.&Stockhold. Equity
- -
53,462
59,085
75,707
84,135
90,207
95,808
106,792
104,826
95,948
95,748
Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
75,702
- -
- -
Total Liabilities & Equity
- -
53,462
59,085
75,707
84,135
90,207
95,808
106,792
180,528
95,948
95,748
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
Depreciation and Amortization
96
83
104
131
174
219
254
302
367
383
390
Deferred Income Tax
128
(18)
(237)
(203)
(295)
389
385
(53)
23
(602)
219
Stock Based Compensation
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Change in Working Capital
1,214
828
698
92
710
(547)
397
157
65
291
1,021
Accounts Receivable
- -
- -
- -
- -
- -
- -
- -
- -
(391)
- -
- -
Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Accounts Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Working Capital
- -
- -
- -
(24,343)
(31,640)
(41,433)
(44,685)
(52,660)
23,888
- -
- -
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
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)
Sales/Maturities of Investments
17
40
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)
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)
Debt Repayment
(9,004)
(5,874)
(4,357)
(16,089)
(9,993)
(9,150)
(5,410)
(3,157)
(9,477)
(4,783)
(4,386)
Common Stock Issued
- -
- -
- -
2,842
- -
- -
- -
- -
- -
- -
- -
Common Stock Repurchased
- -
- -
- -
- -
- -
(476)
(1,497)
(1,868)
(3,618)
(985)
(2,876)
Dividends Paid
- -
- -
- -
- -
- -
(214)
(446)
(534)
(581)
(562)
(542)
Other Financing Activities
6,026
6,836
729
27,484
15,109
13,333
10,128
13,812
7,218
(1,701)
2,600
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)
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)
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
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
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
Forex Rate
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -