Synchrony Financial (SYF)
Issues partner-based cards and point-of-sale financing across retail, digital, healthcare, and lifestyle markets.
$71.95
vs last close−0.73 (−1.00%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,467 | 4,742 | 4,892 | 4,889 | 4,990 | 4,919 | 4,804 | 4,712 | 4,834 | 4,766 | 4,666 | 4,693 |
| Cost of revenue | 2,480 | 2,887 | 3,047 | 2,868 | 2,773 | 2,679 | 2,577 | 2,211 | 2,157 | 2,415 | 2,303 | 2,176 |
| Gross profit | 1,987 | 1,855 | 1,845 | 2,021 | 2,217 | 2,240 | 2,227 | 2,501 | 2,677 | 2,351 | 2,363 | 2,517 |
| 1,154 | 1,316 | 137 | 1,177 | 1,189 | 1,267 | 1,243 | 1,245 | 1,248 | 1,399 | 1,316 | 1,331 | |
| 569 | 633 | 621 | 563 | 587 | 582 | 622 | 636 | 623 | 723 | 629 | 653 | |
| Selling & marketing | 125 | 138 | 125 | 129 | 123 | 147 | 116 | 127 | 120 | 148 | 114 | 137 |
| General & administrative | 444 | 495 | 496 | 434 | 464 | 435 | 506 | 509 | 503 | 575 | 515 | 516 |
| Other expenses | 585 | 683 | −484 | 614 | 602 | 685 | 621 | 609 | 625 | 676 | 687 | 678 |
| Operating income | 833 | 539 | 1,708 | 844 | 1,028 | 973 | 984 | 1,256 | 1,429 | 952 | 1,047 | 1,186 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 5,354 | 5,549 | 5,568 | 5,582 | 5,785 | 5,710 | 5,550 | 5,586 | 5,731 | 5,734 | 5,603 | 5,583 |
| Interest expense | 992 | 1,083 | 1,163 | 1,177 | 1,176 | 1,118 | 1,086 | 1,065 | 1,011 | 973 | 968 | 975 |
| Income before tax | 833 | 539 | 1,708 | 844 | 1,028 | 973 | 984 | 1,256 | 1,429 | 952 | 1,047 | 1,186 |
| Income tax expense | 205 | 99 | 415 | 201 | 239 | 199 | 227 | 289 | 352 | 201 | 242 | 301 |
| Net income from continuing operations | 628 | 440 | 1,293 | 643 | 789 | 774 | 757 | 967 | 1,077 | 751 | 805 | 885 |
| Net income | 628 | 440 | 1,293 | 643 | 789 | 774 | 757 | 967 | 1,077 | 751 | 805 | 885 |
| EPS, basic | $1.49 | $1.04 | $3.17 | $1.56 | $1.96 | $1.93 | $1.91 | $2.51 | $2.89 | $2.07 | $2.29 | $2.61 |
| EPS, diluted | $1.48 | $1.03 | $3.14 | $1.55 | $1.94 | $1.91 | $1.89 | $2.50 | $2.86 | $2.04 | $2.27 | $2.59 |
| Weighted average shares, basic | 416 | 412 | 405 | 399 | 392 | 389 | 385 | 376 | 376 | 358 | 342 | 331 |
| Weighted average shares, diluted | 418 | 415 | 408 | 403 | 397 | 395 | 389 | 379 | 379 | 358 | 346 | 334 |
| EBITDA | 949 | 657 | 1,827 | 965 | 1,149 | 1,093 | 1,109 | 1,378 | 1,557 | 1,091 | 1,190 | 1,331 |
| Depreciation & amortization | 116 | 118 | 119 | 121 | 121 | 120 | 125 | 122 | 128 | 139 | 143 | 145 |
| EBIT | 833 | 539 | 1,708 | 844 | 1,028 | 973 | 984 | 1,256 | 1,429 | 952 | 1,047 | 1,186 |