Synchrony Financial

NYSE-SYF

Overview Financials Investor Relations Estimates Ownership Industry Dividends Modeling Filings

Income Statement	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	LTM
Interest Income On Loans						18,705	15,950	15,228	16,881	19,902	21,068
Interest Income On Investments						385	117	43	265	808	985
Interest Income, Total						19,090	16,067	15,271	17,146	20,710	22,053
Interest On Deposits						1,566	1,094	566	1,008	2,952	3,599
Total Interest On Borrowings						725	571	466	513	759	816
Interest Expense, Total						2,291	1,665	1,032	1,521	3,711	4,415
Net Interest Income						16,799	14,402	14,239	15,625	16,999	17,638
Gain (Loss) on Sale of Assets	—		—	—	—	—	—	—	—	—	—
Total Other Non Interest Income						-3,487	-3,240	-4,047	-3,951	-3,372	-1,994
Non Interest Income, Total						-3,487	-3,240	-4,047	-3,951	-3,372	-1,994
Revenues Before Provison For Loan Losses						13,312	11,162	10,192	11,674	13,627	15,644
Provision For Loan Losses						4,180	5,310	726	3,375	5,965	6,867
Total Revenues						9,132	5,852	9,466	8,299	7,662	8,777
Total Revenues % Chg.						18%	-35.9%	61.8%	-12.3%	-7.7%	14%
Salaries And Other Employee Benefits						1,455	1,380	1,501	1,681	1,841	1,869
Selling General & Admin Expenses, Total						1,901	1,699	1,818	1,942	2,081	2,180
Total Other Non Interest Expense						616	642	540	541	505	473
Non Interest Expense, Total						3,972	3,721	3,859	4,164	4,427	4,522
EBT, Excl. Unusual Items						5,160	2,131	5,607	4,135	3,235	4,255
Restructuring Charges	—	—	—	—	—	—	—	—	—	-43	-43
Other Unusual Items						-273	-334	-104	-173	-288	-288
EBT, Incl. Unusual Items						4,887	1,797	5,503	3,962	2,904	3,924
Income Tax Expense						1,140	412	1,282	946	666	920
Earnings From Continuing Operations						3,747	1,385	4,221	3,016	2,238	3,004
Net Income						3,747	1,385	4,221	3,016	2,238	3,004
Preferred Dividend and Other Adjustments	—	—	—	—	—	—	42	42	42	42	51
Net Income to Common Incl Extra Items						3,747	1,343	4,179	2,974	2,196	2,953
Net Income to Common Excl. Extra Items						3,747	1,343	4,179	2,974	2,196	2,953
Total Shares Outstanding						615.9	584	526.8	438.2	406.9	395.1
Weighted Avg. Shares Outstanding						670.2	589	564.6	480.4	421.2	412.8
Weighted Avg. Shares Outstanding Dil						673.5	590.8	569.3	483.4	423.5	415.7
EPS						5.6	2.3	7.4	6.2	5.2	7.2
EPS Diluted						5.6	2.3	7.3	6.2	5.2	7.1
Effective Tax Rate						23.3%	22.9%	23.3%	23.9%	22.9%	23.4%