About Synchrony Financial
https://www.synchrony.comSynchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans.
CEO
Brian D. Doubles
Compensation Summary
(Year 2015)
ETFs Holding This Stock
Summary
Showing Top 2 of 8
Ratings Snapshot
Rating : A+
Price Target
Institutional Ownership
Summary
Showing Top 1 of 1
About Synchrony Financial
https://www.synchrony.comSynchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $4.83B ▲ | $1.25B ▲ | $1.08B ▲ | 22.28% ▲ | $2.89 ▲ | $1.56B ▲ |
| Q2-2025 | $4.71B ▼ | $1.25B ▲ | $967M ▲ | 20.52% ▲ | $2.51 ▲ | $1.38B ▲ |
| Q1-2025 | $4.8B ▼ | $1.24B ▼ | $757M ▼ | 15.76% ▲ | $1.91 ▼ | $1.11B ▲ |
| Q4-2024 | $4.92B ▼ | $1.27B ▲ | $774M ▼ | 15.73% ▼ | $1.93 ▼ | $1.09B ▼ |
| Q3-2024 | $4.99B | $1.19B | $789M | 15.81% | $1.96 | $1.15B |
What's going well?
The company is controlling costs well, leading to higher margins and profits. Operating income and net income both saw double-digit gains, and earnings per share are rising faster than revenue.
What's concerning?
Revenue growth is modest, and interest expenses remain high, eating into profits. If costs rise or revenue stalls, profit gains could reverse.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $18.96B ▼ | $116.98B ▼ | $99.92B ▼ | $17.07B ▲ |
| Q2-2025 | $22.36B ▼ | $120.5B ▼ | $103.55B ▼ | $16.95B ▲ |
| Q1-2025 | $24.35B ▲ | $122.03B ▲ | $105.44B ▲ | $16.58B ▲ |
| Q4-2024 | $17.79B ▼ | $119.46B ▲ | $102.88B ▼ | $16.58B ▲ |
| Q3-2024 | $20.28B | $119.23B | $103.25B | $15.98B |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $1.08B ▲ | $2.64B ▲ | $-1.57B ▲ | $-4.96B ▼ | $-3.89B ▼ | $2.64B ▲ |
| Q2-2025 | $967M ▲ | $2.56B ▲ | $-2.24B ▼ | $-2.82B ▼ | $-2.5B ▼ | $2.56B ▲ |
| Q1-2025 | $757M ▼ | $2.2B ▼ | $3.6B ▲ | $2.12B ▲ | $7.92B ▲ | $2.2B ▼ |
| Q4-2024 | $774M ▼ | $2.35B ▼ | $-4.96B ▼ | $-617M ▲ | $-3.23B ▼ | $2.35B ▼ |
| Q3-2024 | $789M | $2.76B | $-2.23B | $-1.23B | $-699M | $2.76B |
CEO
Brian D. Doubles
Compensation Summary
(Year 2015)
ETFs Holding This Stock
Summary
Showing Top 2 of 8
Ratings Snapshot
Rating : A+
Price Target
Institutional Ownership
Summary
Showing Top 1 of 1