Synchrony Financial (SYF) quarterly income statement — complete revenue, gross profit & net income history
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 4.63B | 2.35B | 2.68B | 2.5B | 2.23B | 2.24B | 2.22B | 2.02B | 1.84B | 1.85B | 1.99B | 1.91B |
| Gross Margin % | 82.72% | 49.33% | 55.38% | 53.08% | 46.36% | 45.54% | 44.43% | 41.34% | 37.71% | 39.12% | 44.48% | 45.55% |
| Gross Profit Growth % | 108.13% | 4.96% | 20.75% | 23.75% | 20.7% | 20.75% | 11.58% | 5.76% | -3.35% | -1.96% | 0.05% | -11.07% |
| Operating Expenses | 3.72B | 1.4B | 1.25B | 1.25B | 1.24B | 1.27B | 1.19B | 1.18B | 137M | 1.32B | 1.15B | 1.17B |
| OpEx % of Revenue | 66.41% | 29.35% | 25.82% | 26.42% | 25.87% | 25.76% | 23.83% | 24.07% | 2.8% | 27.75% | 25.83% | 27.87% |
| Selling, General & Admin | 1.32B | 723M | 623M | 636M | 622M | 582M | 587M | 563M | 621M | 633M | 569M | 584M |
| SG&A % of Revenue | 23.49% | 15.17% | 12.89% | 13.5% | 12.95% | 11.83% | 11.76% | 11.52% | 12.69% | 13.35% | 12.74% | 13.92% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 914M | 952M | 1.43B | 1.26B | 984M | 973M | 1.03B | 844M | 1.71B | 539M | 833M | 742M |
| Operating Margin % | 16.31% | 19.97% | 29.56% | 26.66% | 20.48% | 19.78% | 20.6% | 17.26% | 34.91% | 11.37% | 18.65% | 17.69% |
| Operating Income Growth % | -7.11% | -2.16% | 39.01% | 48.82% | -42.39% | 80.52% | 23.41% | 13.75% | 116.2% | -27.26% | -9.65% | -30.39% |
| EBITDA | 914M | 1.09B | 1.56B | 1.38B | 1.11B | 1.09B | 1.15B | 965M | 1.83B | 657M | 949M | 855M |
| EBITDA Margin % | 16.31% | 22.89% | 32.21% | 29.24% | 23.08% | 22.22% | 23.03% | 19.74% | 37.35% | 13.85% | 21.24% | 20.38% |
| EBITDA Growth % | -17.58% | -0.18% | 35.51% | 42.8% | -39.3% | 66.36% | 21.07% | 12.87% | 102.77% | -21.97% | -7.59% | -27.05% |
| D&A (Non-Cash Add-back) | 0 | 139M | 128M | 122M | 125M | 120M | 121M | 121M | 119M | 118M | 116M | 113M |
| EBIT | 914M | 952M | 1.43B | 1.26B | 984M | 973M | 1.03B | 844M | 1.71B | 539M | 833M | 742M |
| Net Interest Income | 4.63B | 4.76B | 4.72B | 4.52B | 4.46B | 4.59B | 4.61B | 4.41B | 4.41B | 4.47B | 4.36B | 4.12B |
| Interest Income | 5.6B | 5.73B | 5.73B | 5.59B | 5.55B | 5.71B | 5.79B | 5.58B | 5.57B | 5.55B | 5.35B | 5.02B |
| Interest Expense | 968M | 973M | 1.01B | 1.06B | 1.09B | 1.12B | 1.18B | 1.18B | 1.16B | 1.08B | 992M | 901M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 1.05B | 952M | 1.43B | 1.26B | 984M | 973M | 1.03B | 844M | 1.71B | 539M | 833M | 742M |
| Pretax Margin % | 18.69% | 19.97% | 29.56% | 26.66% | 20.48% | 19.78% | 20.6% | 17.26% | 34.91% | 11.37% | 18.65% | 17.69% |
| Income Tax | 242M | 201M | 352M | 289M | 227M | 199M | 239M | 201M | 415M | 99M | 205M | 173M |
| Effective Tax Rate % | 23.11% | 21.11% | 24.63% | 23.01% | 23.07% | 20.45% | 23.25% | 23.82% | 24.3% | 18.37% | 24.61% | 23.32% |
| Net Income | 805M | 751M | 1.08B | 967M | 757M | 774M | 789M | 643M | 1.29B | 440M | 628M | 569M |
| Net Margin % | 14.37% | 15.76% | 22.28% | 20.52% | 15.76% | 15.73% | 15.81% | 13.15% | 26.43% | 9.28% | 14.06% | 13.56% |
| Net Income Growth % | 6.34% | -2.97% | 36.5% | 50.39% | -41.45% | 75.91% | 25.64% | 13.01% | 115.14% | -23.74% | -10.67% | -29.23% |
| Net Income (Continuing) | 805M | 751M | 1.08B | 967M | 757M | 774M | 789M | 643M | 1.29B | 440M | 628M | 569M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 2.27 | 2.04 | 2.86 | 2.50 | 1.89 | 1.91 | 1.94 | 1.55 | 3.14 | 1.03 | 1.48 | 1.32 |
| EPS Growth % | 20.11% | 6.81% | 47.42% | 61.29% | -39.81% | 85.44% | 31.08% | 17.42% | 132.59% | -18.25% | -0.67% | -18.52% |
| EPS (Basic) | 2.29 | 2.07 | 2.89 | 2.51 | 1.91 | 1.93 | 1.96 | 1.56 | 3.17 | 1.04 | 1.49 | 1.32 |
| Diluted Shares Outstanding | 346M | 357.84M | 379.4M | 379.1M | 389.4M | 394.8M | 396.5M | 402.6M | 408.2M | 414.6M | 418.4M | 424.2M |
| Basic Shares Outstanding | 342.4M | 357.84M | 375.7M | 376.2M | 385.2M | 389.3M | 392.3M | 399.3M | 404.7M | 411.9M | 416M | 422.7M |
| Dividend Payout Ratio | - | 14.11% | 10.21% | 11.79% | 12.81% | 12.53% | 12.55% | 15.55% | 7.89% | 23.41% | 16.56% | 17.4% |