US Stock MarketDetailed Quotes

SYF Synchrony Financial

Watchlist

65.450
+1.180+1.84%

Close Dec 20 16:00 ET

65.460
+0.010+0.02%

Post 20:01 ET

25.48BMarket Cap8.50P/E (TTM)

Synchrony Financial Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual

YOY

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(Q3)Sep 30, 2024

(Q2)Jun 30, 2024

(Q1)Mar 31, 2024

(FY)Dec 31, 2023

(Q4)Dec 31, 2023

(Q3)Sep 30, 2023

(Q2)Jun 30, 2023

(Q1)Mar 31, 2023

(FY)Dec 31, 2022

(Q4)Dec 31, 2022

Total revenue

9.76%3.81B

12.69%3.71B

16.57%3.73B

16.73%13.63B

18.30%3.66B

19.21%3.48B

14.65%3.29B

14.54%3.2B

14.54%11.67B

13.30%3.09B

Net interest income

5.66%4.61B

6.92%4.41B

8.74%4.41B

8.79%17B

8.77%4.47B

11.05%4.36B

8.36%4.12B

6.91%4.05B

9.73%15.63B

7.21%4.11B

-Net interest income

8.05%5.79B

11.17%5.58B

16.34%5.57B

20.79%20.71B

17.86%5.55B

23.31%5.35B

23.24%5.02B

19.00%4.79B

12.28%17.15B

16.16%4.71B

-Interest income from loans and lease

7.20%5.52B

10.16%5.3B

14.67%5.29B

17.90%19.9B

16.32%5.32B

20.97%5.15B

19.14%4.81B

15.17%4.62B

10.86%16.88B

13.21%4.58B

-Interest income from securities

29.56%263M

34.45%281M

61.76%275M

204.91%808M

71.21%226M

141.67%203M

497.14%209M

1,114.29%170M

516.28%265M

1,100.00%132M

-Total interest expense

18.55%1.18B

30.63%1.18B

58.23%1.16B

143.98%3.71B

79.90%1.08B

139.61%992M

231.25%901M

215.45%735M

47.38%1.52B

169.96%602M

-Interest expense for deposit

21.00%968M

34.87%967M

71.27%954M

192.86%2.95B

99.09%878M

185.71%800M

348.13%717M

338.58%557M

78.09%1.01B

270.59%441M

-Interest expense for long term debt and capital securities

8.33%208M

14.13%210M

17.42%209M

47.95%759M

27.33%205M

43.28%192M

64.29%184M

67.92%178M

10.09%513M

54.81%161M

Non interest income

10.37%-795M

16.10%-693M

20.66%-676M

14.65%-3.37B

20.34%-807M

12.44%-887M

11.09%-826M

14.46%-852M

2.37%-3.95B

7.91%-1.01B

-Fees and commissions

0.75%401M

0.26%388M

10.09%382M

12.56%1.54B

15.86%409M

16.72%398M

8.71%387M

8.78%347M

17.61%1.37B

6.01%353M

-Other non interest income

6.93%-1.2B

10.88%-1.08B

11.76%-1.06B

7.65%-4.91B

10.98%-1.22B

5.10%-1.29B

5.60%-1.21B

8.82%-1.2B

-2.09%-5.32B

4.68%-1.37B

Credit losses provision

-7.33%-1.6B

-22.27%-1.69B

-46.05%-1.88B

-76.74%-5.97B

-50.21%-1.8B

-60.17%-1.49B

-91.02%-1.38B

-147.60%-1.29B

-364.88%-3.38B

-114.08%-1.2B

Non interest expense

3.03%1.19B

0.68%1.18B

7.77%1.21B

8.72%4.72B

10.60%1.27B

8.46%1.15B

7.94%1.17B

7.70%1.12B

9.44%4.34B

2.58%1.15B

Professional expense and contract services expense

5.48%231M

12.92%236M

18.28%220M

1.20%842M

-2.15%228M

7.35%219M

12.97%209M

-11.43%186M

6.39%832M

12.56%233M

Selling and administrative expenses

3.16%587M

-3.60%563M

6.70%621M

9.23%2.37B

9.14%633M

7.16%569M

8.35%584M

12.36%582M

9.11%2.17B

0.69%580M

-General and administrative expense

4.50%464M

-3.77%434M

9.98%496M

9.52%1.84B

7.84%495M

6.73%444M

11.63%451M

12.19%451M

11.99%1.68B

12.22%459M

-Selling and marketing expense

-1.60%123M

-3.01%129M

-4.58%125M

8.21%527M

14.05%138M

8.70%125M

-1.48%133M

12.93%131M

0.21%487M

-27.54%121M

Other non-interest expense

1.37%371M

0.53%378M

3.99%365M

12.57%1.51B

21.89%412M

11.25%366M

4.74%376M

12.86%351M

11.98%1.34B

-0.29%338M

Income from associates and other participating interests

Special income (charges)

1.07B

-43M

Gain on sale of business

----

--1.07B

----

--0

----

Less:Restructuring and mergern&acquisition

----

--43M

----

Other non-operating income (expenses)

Income before tax

23.41%1.03B

13.75%844M

116.20%1.71B

-26.70%2.9B

-27.26%539M

-9.65%833M

-30.39%742M

-35.93%790M

-28.00%3.96B

-29.23%741M

Income tax

16.59%239M

16.18%201M

119.58%415M

-29.60%666M

-39.63%99M

-6.39%205M

-33.97%173M

-37.21%189M

-26.21%946M

-29.91%164M

Earnings from equity interest net of tax

Net income

25.64%789M

13.01%643M

115.14%1.29B

-25.80%2.24B

-23.74%440M

-10.67%628M

-29.23%569M

-35.52%601M

-28.55%3.02B

-29.03%577M

Net Income continuous operations

25.64%789M

13.01%643M

115.14%1.29B

-25.80%2.24B

-23.74%440M

-10.67%628M

-29.23%569M

-35.52%601M

-28.55%3.02B

-29.03%577M

Minority interest income

Net income attributable to the parent company

25.64%789M

13.01%643M

115.14%1.29B

-25.80%2.24B

-23.74%440M

-10.67%628M

-29.23%569M

-35.52%601M

-28.55%3.02B

-29.03%577M

Preferred stock dividends

110.00%21M

90.00%19M

0.00%11M

0.00%42M

10.00%11M

-9.09%10M

10.00%11M

0.00%42M

0.00%10M

Other preferred stock dividend

Net income attributable to common stockholders

24.27%768M

11.63%624M

117.29%1.28B

-26.16%2.2B

-24.34%429M

-10.69%618M

-29.51%559M

-36.01%590M

-28.83%2.97B

-29.39%567M

Basic earnings per share

31.54%1.96

18.18%1.56

133.09%3.17

-15.83%5.21

-18.11%1.04

0.68%1.49

-18.01%1.32

-24.02%1.36

-16.35%6.19

-14.77%1.27

Diluted earnings per share

31.08%1.94

17.42%1.55

132.59%3.14

-15.61%5.19

-18.25%1.03

0.68%1.48

-17.50%1.32

-23.73%1.35

-16.21%6.15

-14.86%1.26

Dividend per share

0.00%0.25

8.70%0.25

6.67%0.96

8.70%0.25

4.55%0.23

2.27%0.9

4.55%0.23

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion

	(Q3)Sep 30, 2024	(Q2)Jun 30, 2024	(Q1)Mar 31, 2024	(FY)Dec 31, 2023	(Q4)Dec 31, 2023	(Q3)Sep 30, 2023	(Q2)Jun 30, 2023	(Q1)Mar 31, 2023	(FY)Dec 31, 2022	(Q4)Dec 31, 2022
Total revenue	9.76%3.81B	12.69%3.71B	16.57%3.73B	16.73%13.63B	18.30%3.66B	19.21%3.48B	14.65%3.29B	14.54%3.2B	14.54%11.67B	13.30%3.09B
Net interest income	5.66%4.61B	6.92%4.41B	8.74%4.41B	8.79%17B	8.77%4.47B	11.05%4.36B	8.36%4.12B	6.91%4.05B	9.73%15.63B	7.21%4.11B
-Net interest income	8.05%5.79B	11.17%5.58B	16.34%5.57B	20.79%20.71B	17.86%5.55B	23.31%5.35B	23.24%5.02B	19.00%4.79B	12.28%17.15B	16.16%4.71B
-Interest income from loans and lease	7.20%5.52B	10.16%5.3B	14.67%5.29B	17.90%19.9B	16.32%5.32B	20.97%5.15B	19.14%4.81B	15.17%4.62B	10.86%16.88B	13.21%4.58B
-Interest income from securities	29.56%263M	34.45%281M	61.76%275M	204.91%808M	71.21%226M	141.67%203M	497.14%209M	1,114.29%170M	516.28%265M	1,100.00%132M
-Total interest expense	18.55%1.18B	30.63%1.18B	58.23%1.16B	143.98%3.71B	79.90%1.08B	139.61%992M	231.25%901M	215.45%735M	47.38%1.52B	169.96%602M
-Interest expense for deposit	21.00%968M	34.87%967M	71.27%954M	192.86%2.95B	99.09%878M	185.71%800M	348.13%717M	338.58%557M	78.09%1.01B	270.59%441M
-Interest expense for long term debt and capital securities	8.33%208M	14.13%210M	17.42%209M	47.95%759M	27.33%205M	43.28%192M	64.29%184M	67.92%178M	10.09%513M	54.81%161M
Non interest income	10.37%-795M	16.10%-693M	20.66%-676M	14.65%-3.37B	20.34%-807M	12.44%-887M	11.09%-826M	14.46%-852M	2.37%-3.95B	7.91%-1.01B
-Fees and commissions	0.75%401M	0.26%388M	10.09%382M	12.56%1.54B	15.86%409M	16.72%398M	8.71%387M	8.78%347M	17.61%1.37B	6.01%353M
-Other non interest income	6.93%-1.2B	10.88%-1.08B	11.76%-1.06B	7.65%-4.91B	10.98%-1.22B	5.10%-1.29B	5.60%-1.21B	8.82%-1.2B	-2.09%-5.32B	4.68%-1.37B
Credit losses provision	-7.33%-1.6B	-22.27%-1.69B	-46.05%-1.88B	-76.74%-5.97B	-50.21%-1.8B	-60.17%-1.49B	-91.02%-1.38B	-147.60%-1.29B	-364.88%-3.38B	-114.08%-1.2B
Non interest expense	3.03%1.19B	0.68%1.18B	7.77%1.21B	8.72%4.72B	10.60%1.27B	8.46%1.15B	7.94%1.17B	7.70%1.12B	9.44%4.34B	2.58%1.15B
Professional expense and contract services expense	5.48%231M	12.92%236M	18.28%220M	1.20%842M	-2.15%228M	7.35%219M	12.97%209M	-11.43%186M	6.39%832M	12.56%233M
Selling and administrative expenses	3.16%587M	-3.60%563M	6.70%621M	9.23%2.37B	9.14%633M	7.16%569M	8.35%584M	12.36%582M	9.11%2.17B	0.69%580M
-General and administrative expense	4.50%464M	-3.77%434M	9.98%496M	9.52%1.84B	7.84%495M	6.73%444M	11.63%451M	12.19%451M	11.99%1.68B	12.22%459M
-Selling and marketing expense	-1.60%123M	-3.01%129M	-4.58%125M	8.21%527M	14.05%138M	8.70%125M	-1.48%133M	12.93%131M	0.21%487M	-27.54%121M
Other non-interest expense	1.37%371M	0.53%378M	3.99%365M	12.57%1.51B	21.89%412M	11.25%366M	4.74%376M	12.86%351M	11.98%1.34B	-0.29%338M
Income from associates and other participating interests
Special income (charges)			1.07B	-43M				0
Gain on sale of business	----	----	--1.07B	----	----	----	----	--0	----	----
Less:Restructuring and mergern&acquisition	----	----	----	--43M	----	----	----	----	----	----
Other non-operating income (expenses)
Income before tax	23.41%1.03B	13.75%844M	116.20%1.71B	-26.70%2.9B	-27.26%539M	-9.65%833M	-30.39%742M	-35.93%790M	-28.00%3.96B	-29.23%741M
Income tax	16.59%239M	16.18%201M	119.58%415M	-29.60%666M	-39.63%99M	-6.39%205M	-33.97%173M	-37.21%189M	-26.21%946M	-29.91%164M
Earnings from equity interest net of tax
Net income	25.64%789M	13.01%643M	115.14%1.29B	-25.80%2.24B	-23.74%440M	-10.67%628M	-29.23%569M	-35.52%601M	-28.55%3.02B	-29.03%577M
Net Income continuous operations	25.64%789M	13.01%643M	115.14%1.29B	-25.80%2.24B	-23.74%440M	-10.67%628M	-29.23%569M	-35.52%601M	-28.55%3.02B	-29.03%577M
Minority interest income
Net income attributable to the parent company	25.64%789M	13.01%643M	115.14%1.29B	-25.80%2.24B	-23.74%440M	-10.67%628M	-29.23%569M	-35.52%601M	-28.55%3.02B	-29.03%577M
Preferred stock dividends	110.00%21M	90.00%19M	0.00%11M	0.00%42M	10.00%11M	-9.09%10M	-9.09%10M	10.00%11M	0.00%42M	0.00%10M
Other preferred stock dividend
Net income attributable to common stockholders	24.27%768M	11.63%624M	117.29%1.28B	-26.16%2.2B	-24.34%429M	-10.69%618M	-29.51%559M	-36.01%590M	-28.83%2.97B	-29.39%567M
Basic earnings per share	31.54%1.96	18.18%1.56	133.09%3.17	-15.83%5.21	-18.11%1.04	0.68%1.49	-18.01%1.32	-24.02%1.36	-16.35%6.19	-14.77%1.27
Diluted earnings per share	31.08%1.94	17.42%1.55	132.59%3.14	-15.61%5.19	-18.25%1.03	0.68%1.48	-17.50%1.32	-23.73%1.35	-16.21%6.15	-14.86%1.26
Dividend per share	0.00%0.25	8.70%0.25	8.70%0.25	6.67%0.96	8.70%0.25	8.70%0.25	4.55%0.23	4.55%0.23	2.27%0.9	4.55%0.23
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	--	--	--	Unqualified Opinion	--	--	--	--	--	--