Synchrony Financial (BMV:SYF)

Synchrony Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	21,642	21,596	19,902	16,881	15,228	15,950
Interest Income on Investments	989	1,049	808	265	43	117
Total Interest Income	22,631	22,645	20,710	17,146	15,271	16,067
Interest Paid on Deposits	3,622	3,806	2,952	1,008	566	1,094
Interest Paid on Borrowings	823	828	759	513	466	571
Total Interest Expense	4,445	4,634	3,711	1,521	1,032	1,665
Net Interest Income	18,186	18,011	16,999	15,625	14,239	14,402
Net Interest Income Growth (YoY)	3.11%	5.95%	8.79%	9.73%	-1.13%	-14.27%
Gain (Loss) on Sale of Assets	1,069	1,069	-	-	-	-
Other Non-Interest Income	-4,275	-2,955	-3,372	-3,951	-4,047	-3,240
Total Non-Interest Income	-3,206	-1,886	-3,372	-3,951	-4,047	-3,240
Revenues Before Loan Losses	14,980	16,125	13,627	11,674	10,192	11,162
Provision for Loan Losses	5,795	6,733	5,965	3,375	726	5,310
Revenue	9,185	9,392	7,662	8,299	9,466	5,852
Revenue Growth (YoY)	4.65%	22.58%	-7.68%	-12.33%	61.76%	-35.92%
Salaries and Employee Benefits	1,957	1,872	1,841	1,681	1,501	1,380
Selling, General & Administrative	2,290	2,263	2,081	1,942	1,818	1,699
Other Non-Interest Expense	505	512	505	541	540	642
Total Non-Interest Expense	4,752	4,647	4,427	4,164	3,859	3,721
EBT Excluding Unusual Items	4,433	4,745	3,235	4,135	5,607	2,131
Other Unusual Items	-192	-192	-288	-173	-104	-334
Pretax Income	4,241	4,553	2,904	3,962	5,503	1,797
Income Tax Expense	954	1,054	666	946	1,282	412
Net Income	3,287	3,499	2,238	3,016	4,221	1,385
Preferred Dividends & Other Adjustments	72	72	42	42	42	42
Net Income to Common	3,215	3,427	2,196	2,974	4,179	1,343
Net Income Growth	9.42%	56.34%	-25.80%	-28.55%	204.76%	-63.04%
Basic Shares Outstanding	381	397	421	480	565	589
Diluted Shares Outstanding	381	401	424	483	569	591
Shares Change (YoY)	-8.45%	-5.41%	-12.39%	-15.09%	-3.64%	-12.28%
EPS (Basic)	8.45	8.64	5.21	6.19	7.40	2.28
EPS (Diluted)	8.44	8.55	5.19	6.15	7.34	2.27
EPS Growth	18.82%	64.74%	-15.61%	-16.21%	223.35%	-59.17%
Dividend Per Share	0.500	1.000	0.960	0.900	0.880	0.880
Dividend Growth	-50.00%	4.17%	6.67%	2.27%	-	2.33%
Effective Tax Rate	22.50%	23.15%	22.93%	23.88%	23.30%	22.93%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.