Financials in USD. Standardized financial statements.
A compact view of how Synchrony Financial turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $19.12B | $20.76B | $17.34B | $13.20B | $11.22B | $12.83B | $15.60B | $15.15B | $13.76B | $12.22B |
| Revenue Growth? | -7.9% | +19.7% | +31.4% | +17.6% | -12.5% | -17.8% | +3.0% | +10.1% | +12.6% | 0.0% |
| Cost of Revenue? | $9.36B | $11.37B | $9.68B | $4.90B | $1.76B | $6.97B | $6.47B | $7.42B | $6.69B | $5.23B |
| Gross Profit? | $9.76B | $9.39B | $7.66B | $8.30B | $9.47B | $5.85B | $9.13B | $7.74B | $7.07B | $6.99B |
| Gross Margin? | +51.0% | +45.2% | +44.2% | +62.9% | +84.3% | +45.6% | +58.5% | +51.1% | +51.4% | +57.2% |
| Operating Expenses? | $5.13B | $4.84B | $4.76B | $4.34B | $3.96B | $4.05B | $4.25B | $4.09B | $3.75B | $3.42B |
| Operating Income? | $4.62B | $4.55B | $2.90B | $3.96B | $5.50B | $1.80B | $4.89B | $3.64B | $3.32B | $3.57B |
| EBITDA? | $5.13B | $5.03B | $3.36B | $4.38B | $5.89B | $2.18B | $5.25B | $3.95B | $3.58B | $3.79B |
| Income Before Tax | $4.62B | $4.55B | $2.90B | $3.96B | $5.50B | $1.80B | $4.89B | $3.64B | $3.32B | $3.57B |
| Income Tax Expense | $1.07B | $1.05B | $666.00M | $946.00M | $1.28B | $412.00M | $1.14B | $854.00M | $1.39B | $1.32B |
| Net Income? | $3.55B | $3.50B | $2.24B | $3.02B | $4.22B | $1.39B | $3.75B | $2.79B | $1.94B | $2.25B |
| EPS? | $9.35 | $8.64 | $5.21 | $6.19 | $7.40 | $2.28 | $5.59 | $3.76 | $2.43 | $2.71 |
| Diluted EPS? | $9.29 | $8.55 | $5.19 | $6.15 | $7.34 | $2.27 | $5.56 | $3.74 | $2.42 | $2.71 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality