Synchrony Financial Detailed Financials

Full historical quarterly statements

Metric	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Total Revenue	5.60B	4.77B	4.83B	4.71B	4.80B	4.92B	4.99B	4.89B
Cost of Goods Sold	968.0M	2.42B	2.16B	2.21B	2.58B	2.68B	2.77B	2.87B
Gross Profit	4.63B	2.35B	2.68B	2.50B	2.23B	2.24B	2.22B	2.02B
R&D Expenses	0	0	0	0	0	0	0	0
Operating Expenses	3.72B	1.40B	1.25B	1.25B	1.24B	1.27B	1.19B	1.18B
Operating Income	914.0M	952.0M	1.43B	1.26B	984.0M	973.0M	1.03B	844.0M
Other Income / Gains	133.0M	0	0	0	0	0	0	0
Net Income	805.0M	751.0M	1.08B	967.0M	757.0M	774.0M	789.0M	643.0M
EPS (Diluted)	2.29	2.07	2.89	2.51	1.91	1.93	1.96	1.56
Reported Currency	USD	USD	USD	USD	USD	USD	USD	USD
Gross Profit Ratio	0.827	0.493	0.554	0.531	0.464	0.455	0.444	0.413
General And Administrative Expenses	1.20B	575.0M	503.0M	509.0M	506.0M	435.0M	464.0M	434.0M
Selling And Marketing Expenses	114.0M	148.0M	120.0M	127.0M	116.0M	147.0M	123.0M	129.0M
Selling General And Administrative Expenses	1.32B	723.0M	623.0M	636.0M	622.0M	582.0M	587.0M	563.0M
Other Expenses	2.40B	676.0M	625.0M	609.0M	621.0M	685.0M	602.0M	614.0M
Cost And Expenses	4.69B	3.81B	3.40B	3.46B	3.82B	3.95B	3.96B	4.04B
Interest Income	5.60B	5.73B	5.73B	5.59B	5.55B	5.71B	5.79B	5.58B
Interest Expense	968.0M	973.0M	1.01B	1.06B	1.09B	1.12B	1.18B	1.18B
Depreciation And Amortization	0	139.0M	128.0M	122.0M	125.0M	120.0M	121.0M	121.0M
Ebitda	914.0M	1.09B	1.56B	1.38B	1.11B	1.09B	1.15B	965.0M
Ebitdaratio	0.163	0.229	0.322	0.292	0.231	0.222	0.23	0.197
Operating Income Ratio	0.163	0.20	0.296	0.267	0.205	0.198	0.206	0.173
Income Before Tax	1.05B	952.0M	1.43B	1.26B	984.0M	973.0M	1.03B	844.0M
Income Before Tax Ratio	0.187	0.20	0.296	0.267	0.205	0.198	0.206	0.173
Income Tax Expense	242.0M	201.0M	352.0M	289.0M	227.0M	199.0M	239.0M	201.0M
Net Income Ratio	0.144	0.158	0.223	0.205	0.158	0.157	0.158	0.132
Epsdiluted	2.27	2.04	2.86	2.50	1.89	1.91	1.94	1.55
Weighted Average Shs Out	342.4M	357.8M	375.7M	376.2M	385.2M	389.3M	392.3M	399.3M
Weighted Average Shs Out Dil	346.0M	357.8M	379.4M	379.1M	389.4M	394.8M	396.5M	402.6M