Synchrony Financial
NYSE:SYF
Income Statement
Income Statement
Synchrony Financial
Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Net Interest Income |
10 803
|
11 015
|
11 191
|
11 320
|
11 452
|
11 639
|
11 863
|
12 093
|
12 427
|
12 732
|
13 110
|
13 530
|
13 908
|
14 333
|
14 728
|
15 016
|
15 271
|
15 371
|
15 701
|
16 118
|
16 502
|
16 920
|
17 103
|
16 799
|
16 463
|
15 704
|
14 772
|
14 402
|
13 951
|
13 867
|
14 068
|
14 239
|
14 589
|
15 079
|
15 349
|
15 625
|
15 887
|
16 205
|
16 639
|
16 999
|
17 353
|
|
Interest Income |
11 542
|
11 782
|
12 019
|
12 242
|
12 459
|
12 710
|
12 979
|
13 228
|
13 598
|
13 936
|
14 340
|
14 778
|
15 171
|
15 626
|
16 063
|
16 407
|
16 738
|
16 942
|
17 403
|
17 988
|
18 530
|
19 094
|
19 381
|
19 090
|
18 711
|
17 803
|
16 659
|
16 067
|
15 402
|
15 150
|
15 211
|
15 271
|
15 551
|
16 047
|
16 491
|
17 146
|
17 910
|
18 857
|
19 869
|
20 710
|
21 492
|
|
Interest Expense |
739
|
767
|
828
|
922
|
1 007
|
1 071
|
1 116
|
1 135
|
1 171
|
1 204
|
1 230
|
1 248
|
1 263
|
1 293
|
1 335
|
1 391
|
1 467
|
1 571
|
1 702
|
1 870
|
2 028
|
2 174
|
2 278
|
2 291
|
2 248
|
2 099
|
1 887
|
1 665
|
1 451
|
1 283
|
1 143
|
1 032
|
962
|
968
|
1 142
|
1 521
|
2 023
|
2 652
|
3 230
|
3 711
|
4 139
|
|
Non Interest Income |
483
|
471
|
453
|
485
|
471
|
479
|
467
|
392
|
383
|
346
|
346
|
344
|
345
|
319
|
311
|
288
|
270
|
276
|
263
|
265
|
282
|
309
|
331
|
371
|
376
|
381
|
427
|
405
|
439
|
433
|
396
|
481
|
458
|
567
|
517
|
380
|
337
|
200
|
248
|
289
|
1 381
|
|
Revenue |
11 286
N/A
|
11 486
+2%
|
11 644
+1%
|
11 805
+1%
|
11 923
+1%
|
12 118
+2%
|
12 330
+2%
|
12 485
+1%
|
12 810
+3%
|
13 078
+2%
|
13 456
+3%
|
13 874
+3%
|
14 253
+3%
|
14 652
+3%
|
15 039
+3%
|
15 304
+2%
|
15 541
+2%
|
15 647
+1%
|
15 964
+2%
|
16 383
+3%
|
16 784
+2%
|
17 229
+3%
|
17 434
+1%
|
17 170
-2%
|
16 839
-2%
|
16 085
-4%
|
15 199
-6%
|
14 807
-3%
|
14 390
-3%
|
14 300
-1%
|
14 464
+1%
|
14 720
+2%
|
15 047
+2%
|
15 646
+4%
|
15 866
+1%
|
16 005
+1%
|
16 224
+1%
|
16 405
+1%
|
16 887
+3%
|
17 288
+2%
|
18 734
+8%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Loan Loss Provision |
(2 789)
|
(2 804)
|
(2 938)
|
(2 917)
|
(2 840)
|
(2 899)
|
(2 926)
|
(2 952)
|
(3 168)
|
(3 449)
|
(3 733)
|
(3 986)
|
(4 389)
|
(4 694)
|
(5 018)
|
(5 296)
|
(5 352)
|
(5 306)
|
(5 447)
|
(5 545)
|
(5 042)
|
(4 960)
|
(4 528)
|
(4 180)
|
(4 180)
|
(4 180)
|
(4 180)
|
(4 210)
|
(3 701)
|
(2 309)
|
(1 315)
|
(726)
|
(913)
|
(1 831)
|
(2 735)
|
(3 375)
|
(4 144)
|
(4 803)
|
(5 362)
|
(5 965)
|
(6 559)
|
|
Non Interest Expense |
(5 038)
|
(5 315)
|
(5 481)
|
(5 502)
|
(5 704)
|
(5 743)
|
(5 888)
|
(6 002)
|
(6 066)
|
(6 143)
|
(6 193)
|
(6 318)
|
(6 440)
|
(6 517)
|
(6 664)
|
(6 684)
|
(6 800)
|
(6 848)
|
(7 010)
|
(7 194)
|
(7 483)
|
(7 773)
|
(7 928)
|
(8 103)
|
(8 852)
|
(9 168)
|
(9 245)
|
(8 800)
|
(7 959)
|
(7 679)
|
(7 749)
|
(8 491)
|
(8 713)
|
(8 969)
|
(8 863)
|
(8 668)
|
(8 561)
|
(8 407)
|
(8 419)
|
(8 419)
|
(8 353)
|
|
Pre-Tax Income |
3 459
N/A
|
3 367
-3%
|
3 225
-4%
|
3 386
+5%
|
3 379
0%
|
3 476
+3%
|
3 516
+1%
|
3 531
+0%
|
3 576
+1%
|
3 486
-3%
|
3 530
+1%
|
3 570
+1%
|
3 424
-4%
|
3 441
+0%
|
3 357
-2%
|
3 324
-1%
|
3 389
+2%
|
3 493
+3%
|
3 507
+0%
|
3 644
+4%
|
4 259
+17%
|
4 496
+6%
|
4 978
+11%
|
4 887
-2%
|
3 807
-22%
|
2 737
-28%
|
1 774
-35%
|
1 797
+1%
|
2 730
+52%
|
4 312
+58%
|
5 400
+25%
|
5 503
+2%
|
5 421
-1%
|
4 846
-11%
|
4 268
-12%
|
3 962
-7%
|
3 519
-11%
|
3 195
-9%
|
3 106
-3%
|
2 904
-7%
|
3 822
+32%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(1 281)
|
(1 253)
|
(1 204)
|
(1 277)
|
(1 276)
|
(1 304)
|
(1 318)
|
(1 317)
|
(1 332)
|
(1 294)
|
(1 308)
|
(1 319)
|
(1 256)
|
(1 266)
|
(1 231)
|
(1 229)
|
(1 153)
|
(1 057)
|
(955)
|
(854)
|
(1 002)
|
(1 082)
|
(1 179)
|
(1 140)
|
(881)
|
(616)
|
(396)
|
(412)
|
(606)
|
(994)
|
(1 254)
|
(1 282)
|
(1 293)
|
(1 156)
|
(1 016)
|
(946)
|
(834)
|
(745)
|
(731)
|
(666)
|
(892)
|
|
Income from Continuing Operations |
2 178
|
2 114
|
2 021
|
2 109
|
2 103
|
2 172
|
2 198
|
2 214
|
2 244
|
2 192
|
2 222
|
2 251
|
2 168
|
2 175
|
2 126
|
2 095
|
2 236
|
2 436
|
2 552
|
2 790
|
3 257
|
3 414
|
3 799
|
3 747
|
2 926
|
2 121
|
1 378
|
1 385
|
2 124
|
3 318
|
4 146
|
4 221
|
4 128
|
3 690
|
3 252
|
3 016
|
2 685
|
2 450
|
2 375
|
2 238
|
2 930
|
|
Net Income (Common) |
2 178
N/A
|
2 114
-3%
|
2 021
-4%
|
2 109
+4%
|
2 103
0%
|
2 172
+3%
|
2 198
+1%
|
2 214
+1%
|
2 244
+1%
|
2 192
-2%
|
2 222
+1%
|
2 251
+1%
|
2 168
-4%
|
2 175
+0%
|
2 126
-2%
|
1 935
-9%
|
2 076
+7%
|
2 276
+10%
|
2 392
+5%
|
2 790
+17%
|
3 257
+17%
|
3 414
+5%
|
3 799
+11%
|
3 747
-1%
|
2 915
-22%
|
2 099
-28%
|
1 346
-36%
|
1 343
0%
|
2 082
+55%
|
3 277
+57%
|
4 104
+25%
|
4 179
+2%
|
4 087
-2%
|
3 648
-11%
|
3 210
-12%
|
2 974
-7%
|
2 642
-11%
|
2 408
-9%
|
2 334
-3%
|
2 196
-6%
|
2 888
+32%
|
|
EPS (Diluted) |
2.62
N/A
|
2.54
-3%
|
2.58
+2%
|
2.78
+8%
|
2.51
-10%
|
2.6
+4%
|
2.63
+1%
|
2.65
+1%
|
2.69
+2%
|
2.62
-3%
|
2.66
+2%
|
2.71
+2%
|
2.65
-2%
|
2.69
+2%
|
2.68
0%
|
2.41
-10%
|
2.69
+12%
|
3
+12%
|
3.23
+8%
|
3.74
+16%
|
4.59
+23%
|
4.97
+8%
|
5.74
+15%
|
5.56
-3%
|
4.79
-14%
|
3.59
-25%
|
2.3
-36%
|
2.27
-1%
|
3.55
+56%
|
5.63
+59%
|
7.25
+29%
|
7.34
+1%
|
7.86
+7%
|
7.36
-6%
|
6.81
-7%
|
6.15
-10%
|
6.04
-2%
|
5.67
-6%
|
5.57
-2%
|
5.19
-7%
|
7.07
+36%
|