Synchrony Financial (0LC3.L)

Financial Services | Financial Diversified
Income Statement (Quarterly) 2025-09-30 2025-06-30 2025-03-31 2024-12-31
Revenue 4,834,000,000 4,712,000,000 5,699,000,000 4,919,000,000
Cost of Revenue 812,000,000 2,211,000,000 2,577,000,000 2,679,000,000
Gross Profit 4,022,000,000 2,501,000,000 3,122,000,000 2,240,000,000
Operating Expenses
R&D Expenses 0 0 0 0
SG&A Expenses 360,000,000 363,000,000 622,000,000 582,000,000
Operating Expenses 985,000,000 1,087,000,000 1,243,000,000 1,267,000,000
Operating Income 1,628,000,000 1,466,000,000 1,879,000,000 973,000,000
Interest Expense 2,151,000,000 1,065,000,000 1,086,000,000 1,118,000,000
Income Before Tax 1,429,000,000 1,256,000,000 984,000,000 973,000,000
Income Tax Expense 352,000,000 289,000,000 227,000,000 199,000,000
Net Income 1,077,000,000 946,000,000 757,000,000 774,000,000
Per Share
EPS 2.89 2.51 1.91 1.93
EPS Diluted 0.00 0.00 0.00 0.00
Income Statement (Annual) 2024-12-31 2023-12-31 2022-12-31
Revenue 24,166,000,000 7,662,000,000 13,195,000,000
Cost of Revenue 11,367,000,000 9,676,000,000 1,370,000,000
Gross Profit 12,799,000,000 7,662,000,000 11,825,000,000
Operating Expenses
R&D Expenses 0 0 0
SG&A Expenses 2,353,000,000 2,411,000,000 3,623,000,000
Operating Expenses 4,839,000,000 4,758,000,000 3,975,000,000
Operating Income 7,960,000,000 3,663,000,000 7,850,000,000
Interest Expense 4,634,000,000 3,711,000,000 513,000,000
Income Before Tax 4,553,000,000 2,904,000,000 3,962,000,000
Income Tax Expense 1,054,000,000 666,000,000 946,000,000
Net Income 3,499,000,000 2,238,000,000 3,016,000,000
Per Share
EPS 8.64 5.21 6.28
EPS Diluted 0.00 0.00 0.00
Balance Sheet (Quarterly) 2024-12-31 2023-12-31 2022-12-31
Assets
Cash and Cash Equivalents 14,711,000,000 14,259,000,000 10,294,000,000
Short Term Investments 3,079,000,000 3,799,000,000 0
Net Receivables 0 0 0
Inventory 0 0 0
Total Current Assets 17,790,000,000 18,058,000,000 10,294,000,000
Property Plant Equipment 0 0 0
Goodwill and Intangibles 2,128,000,000 1,833,000,000 2,392,000,000
Total Assets 119,463,000,000 117,479,000,000 104,564,000,000
Liabilities
Account Payables 0 0 0
Short Term Debt 5,650,000,000 0 1,707,000,000
Total Current Liabilities 82,062,000,000 81,153,000,000 5,602,000,000
Long Term Debt 15,462,000,000 15,982,000,000 12,484,000,000
Total Liabilities 102,883,000,000 103,576,000,000 91,691,000,000
Shareholders Equity
Retained Earnings 21,635,000,000 18,662,000,000 16,716,000,000
Total Shareholders Equity 16,580,000,000 13,903,000,000 12,873,000,000
Balance Sheet (Annual) 2024-12-31 2023-12-31 2022-12-31
Assets
Cash and Cash Equivalents 14,711,000,000 14,259,000,000 10,294,000,000
Short Term Investments 3,079,000,000 3,799,000,000 0
Net Receivables 0 0 0
Inventory 0 0 0
Total Current Assets 17,790,000,000 18,058,000,000 10,294,000,000
Property Plant Equipment 0 0 0
Goodwill and Intangibles 2,128,000,000 1,833,000,000 2,392,000,000
Total Assets 119,463,000,000 117,479,000,000 104,564,000,000
Liabilities
Account Payables 0 0 0
Short Term Debt 5,650,000,000 0 1,707,000,000
Total Current Liabilities 82,062,000,000 81,153,000,000 5,602,000,000
Long Term Debt 15,462,000,000 15,982,000,000 12,484,000,000
Total Liabilities 102,883,000,000 103,576,000,000 91,691,000,000
Shareholders Equity
Retained Earnings 21,635,000,000 18,662,000,000 16,716,000,000
Total Shareholders Equity 16,580,000,000 13,903,000,000 12,873,000,000
Cash Flow Statement (Quarterly) 2024-12-31 2023-12-31 2022-12-31
Operating Activities
Net Income 3,499,000,000 2,238,000,000 3,016,000,000
Depreciation & Amortization 481,000,000 458,000,000 362,000,000
Stock Based Compensation 0 0 -921,000,000
Change in Working Capital -205,000,000 -345,000,000 305,000,000
Operating Cash Flow 9,848,000,000 8,593,000,000 6,694,000,000
Investing Activities
Capital Expenditure 0 0 0
Investments 0 0 0
Investing Cash Flow -8,903,000,000 -14,234,000,000 -10,234,000,000
Financing Activities
Debt Repayment -536,000,000 1,777,000,000 -329,000,000
Common Stock Issued/Repurchased -1,008,000,000 -1,112,000,000 5,284,000,000
Dividends Paid -470,000,000 -448,000,000 -476,000,000
Financing Cash Flow -611,000,000 9,632,000,000 5,284,000,000
Summary
Free Cash Flow 9,848,000,000 8,593,000,000 6,694,000,000
Net Change in Cash 334,000,000 3,991,000,000 1,994,000,000
Cash Flow Statement (Annual) 2024-12-31 2023-12-31 2022-12-31
Operating Activities
Net Income 3,499,000,000 2,238,000,000 3,016,000,000
Depreciation & Amortization 481,000,000 458,000,000 362,000,000
Stock Based Compensation 0 0 -921,000,000
Change in Working Capital -205,000,000 -345,000,000 305,000,000
Operating Cash Flow 9,848,000,000 8,593,000,000 6,694,000,000
Investing Activities
Capital Expenditure 0 0 0
Investments 0 0 0
Investing Cash Flow -8,903,000,000 -14,234,000,000 -10,234,000,000
Financing Activities
Debt Repayment -536,000,000 1,777,000,000 -329,000,000
Common Stock Issued/Repurchased -1,008,000,000 -1,112,000,000 5,284,000,000
Dividends Paid -470,000,000 -448,000,000 -476,000,000
Financing Cash Flow -611,000,000 9,632,000,000 5,284,000,000
Summary
Free Cash Flow 9,848,000,000 8,593,000,000 6,694,000,000
Net Change in Cash 334,000,000 3,991,000,000 1,994,000,000