Synchrony Financial Past Earnings Performance
Past criteria checks 1/6
Synchrony Financial's earnings have been declining at an average annual rate of -2%, while the Consumer Finance industry saw earnings growing at 8.1% annually. Revenues have been growing at an average rate of 0.2% per year. Synchrony Financial's return on equity is 16.1%, and it has net margins of 28.7%.
Key information
-2.0%
Earnings growth rate
8.7%
EPS growth rate
Consumer Finance Industry Growth | 7.2% |
Revenue growth rate | 0.2% |
Return on equity | 16.1% |
Net Margin | 28.7% |
Next Earnings Update | 24 Apr 2024 |
Recent past performance updates
Recent updates
Synchrony Financial: Charge-Offs Create Downside Risk (Rating Downgrade)
Mar 05Synchrony Financial Offers 2 Good Income Options
Jan 24Synchrony Financial: 8.9% Yielding Preferred Shares Are Attractive
Nov 20Synchrony: A Buy As Credit Deterioration Slows
Oct 06Synchrony Financial Shares Have Recovered From The Banking Crisis But Are Still Cheap
Jul 19Synchrony Financial: 9.4% Yielding Bond Mispriced From Industry Crisis
May 29Synchrony credit card net charge-offs jump in January as delinquencies tick up
Feb 14Synchrony, furniture retailer Rooms To Go renew strategic financing partnership
Jan 25Synchrony Financial: Growth And Fundamental Stability Remains In Harmony
Jan 18Synchrony credit card metrics slip in November, edging down to prepandemic levels
Dec 15Synchrony Financial credit card net charge-offs increase in October
Nov 14Synchrony Financial declares $0.23 dividend
Oct 20Synchrony expands relationship with Sycle for integrated digital payment solutions
Oct 13Synchrony Financial: To Keep Watch Before Q3 Earnings
Sep 29Synchrony Financial credit card delinquency, charge off rates climb in August
Sep 12Synchrony's credit card delinquency, charge-off rates rise in July as loans increase
Aug 15Synchrony Financial GAAP EPS of $1.60 beats by $0.16, revenue of $2.87B beats by $130M
Jul 18Synchrony Financial Lower Profits Expected In 2022, But Trades At Fair Value
Jul 07Synchrony Financial's (NYSE:SYF) Dividend Will Be US$0.22
Apr 25I Ran A Stock Scan For Earnings Growth And Synchrony Financial (NYSE:SYF) Passed With Ease
Apr 20Give Synchrony Credit For Growing Loan Balances
Apr 19Synchrony Financial: Abundant Upside Potential
Feb 25Synchrony Financial (NYSE:SYF) Will Pay A Dividend Of US$0.22
Jan 29Synchrony Financial: Sing Your Way To The Bank
Jan 13Synchrony Financial: Efficient Business At Fair Value
Oct 25Synchrony Financial (NYSE:SYF) Will Pay A Dividend Of US$0.22
Oct 25Synchrony Financial Continues To Rebound
Oct 15Synchrony Financial: Properly Positioned For 2022 (And Beyond)
Jul 23Amazon Visa Card Partnership Could Be A Win For Synchrony
Jun 13Synchrony Financial reshapes structure to get products to market faster
Jun 01Synchrony Financial Continues To See Credit Metrics Improve
May 04Synchrony Financial Q1 2021 Earnings Preview
Apr 26Would Synchrony Financial (NYSE:SYF) Be Valuable To Income Investors?
Mar 08Revenue & Expenses BreakdownBeta
How Synchrony Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
---|---|---|---|---|
31 Dec 23 | 7,662 | 2,196 | 3,922 | 0 |
30 Sep 23 | 7,699 | 2,334 | 3,849 | 0 |
30 Jun 23 | 7,698 | 2,408 | 3,769 | 0 |
31 Mar 23 | 7,936 | 2,642 | 3,684 | 0 |
31 Dec 22 | 8,299 | 2,974 | 3,623 | 0 |
30 Sep 22 | 8,576 | 3,210 | 3,571 | 0 |
30 Jun 22 | 9,051 | 3,648 | 3,500 | 0 |
31 Mar 22 | 9,491 | 4,087 | 3,412 | 0 |
31 Dec 21 | 9,466 | 4,179 | 3,319 | 0 |
30 Sep 21 | 9,241 | 4,104 | 3,152 | 0 |
30 Jun 21 | 8,259 | 3,277 | 3,139 | 0 |
31 Mar 21 | 6,715 | 2,082 | 3,063 | 0 |
31 Dec 20 | 5,852 | 1,343 | 3,079 | 0 |
30 Sep 20 | 5,908 | 1,346 | 3,137 | 0 |
30 Jun 20 | 6,868 | 2,099 | 3,166 | 0 |
31 Mar 20 | 8,011 | 2,915 | 3,290 | 0 |
31 Dec 19 | 9,132 | 3,747 | 3,356 | 0 |
30 Sep 19 | 9,222 | 3,799 | 3,366 | 0 |
30 Jun 19 | 8,730 | 3,414 | 3,369 | 0 |
31 Mar 19 | 8,409 | 3,257 | 3,259 | 0 |
31 Dec 18 | 7,739 | 2,790 | 3,187 | 0 |
30 Sep 18 | 7,494 | 2,392 | 3,063 | 0 |
30 Jun 18 | 7,384 | 2,276 | 2,944 | 0 |
31 Mar 18 | 7,216 | 2,076 | 2,895 | 0 |
31 Dec 17 | 7,071 | 1,935 | 2,804 | 0 |
30 Sep 17 | 7,052 | 2,126 | 2,757 | 0 |
30 Jun 17 | 7,037 | 2,175 | 2,707 | 0 |
31 Mar 17 | 6,948 | 2,168 | 2,662 | 0 |
31 Dec 16 | 6,986 | 2,251 | 2,597 | 0 |
30 Sep 16 | 6,898 | 2,222 | 2,570 | 0 |
30 Jun 16 | 6,838 | 2,192 | 2,528 | 0 |
31 Mar 16 | 6,894 | 2,244 | 2,473 | 0 |
31 Dec 15 | 6,795 | 2,214 | 2,417 | 0 |
30 Sep 15 | 6,702 | 2,198 | 2,347 | 0 |
30 Jun 15 | 6,547 | 2,172 | 2,275 | 0 |
31 Mar 15 | 6,442 | 2,103 | 2,189 | 0 |
31 Dec 14 | 6,313 | 2,109 | 2,101 | 0 |
30 Sep 14 | 6,167 | 2,021 | 2,026 | 0 |
30 Jun 14 | 6,156 | 2,114 | 1,870 | 0 |
31 Mar 14 | 6,014 | 2,178 | 1,749 | 0 |
31 Dec 13 | 5,626 | 1,979 | 1,609 | 0 |
Quality Earnings: SYF has high quality earnings.
Growing Profit Margin: SYF's current net profit margins (28.7%) are lower than last year (35.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: SYF's earnings have declined by 2% per year over the past 5 years.
Accelerating Growth: SYF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SYF had negative earnings growth (-26.2%) over the past year, making it difficult to compare to the Consumer Finance industry average (-13.5%).
Return on Equity
High ROE: SYF's Return on Equity (16.1%) is considered low.