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 Growth7.2%
Revenue growth rate0.2%
Return on equity16.1%
Net Margin28.7%
Next Earnings Update24 Apr 2024

Recent past performance updates

Recent updates

Synchrony Financial: Charge-Offs Create Downside Risk (Rating Downgrade)

Mar 05

Synchrony Financial Offers 2 Good Income Options

Jan 24

Synchrony Financial: 8.9% Yielding Preferred Shares Are Attractive

Nov 20

Synchrony: A Buy As Credit Deterioration Slows

Oct 06

Synchrony Financial Shares Have Recovered From The Banking Crisis But Are Still Cheap

Jul 19

Synchrony Financial: 9.4% Yielding Bond Mispriced From Industry Crisis

May 29

Synchrony credit card net charge-offs jump in January as delinquencies tick up

Feb 14

Synchrony, furniture retailer Rooms To Go renew strategic financing partnership

Jan 25

Synchrony Financial: Growth And Fundamental Stability Remains In Harmony

Jan 18

Synchrony credit card metrics slip in November, edging down to prepandemic levels

Dec 15

Synchrony Financial credit card net charge-offs increase in October

Nov 14

Synchrony Financial declares $0.23 dividend

Oct 20

Synchrony expands relationship with Sycle for integrated digital payment solutions

Oct 13

Synchrony Financial: To Keep Watch Before Q3 Earnings

Sep 29

Synchrony Financial credit card delinquency, charge off rates climb in August

Sep 12

Synchrony's credit card delinquency, charge-off rates rise in July as loans increase

Aug 15

Synchrony Financial GAAP EPS of $1.60 beats by $0.16, revenue of $2.87B beats by $130M

Jul 18

Synchrony Financial Lower Profits Expected In 2022, But Trades At Fair Value

Jul 07

Synchrony Financial's (NYSE:SYF) Dividend Will Be US$0.22

Apr 25
Synchrony Financial's (NYSE:SYF) Dividend Will Be US$0.22

I Ran A Stock Scan For Earnings Growth And Synchrony Financial (NYSE:SYF) Passed With Ease

Apr 20
I Ran A Stock Scan For Earnings Growth And Synchrony Financial (NYSE:SYF) Passed With Ease

Give Synchrony Credit For Growing Loan Balances

Apr 19

Synchrony Financial: Abundant Upside Potential

Feb 25

Synchrony Financial (NYSE:SYF) Will Pay A Dividend Of US$0.22

Jan 29
Synchrony Financial (NYSE:SYF) Will Pay A Dividend Of US$0.22

Synchrony Financial: Sing Your Way To The Bank

Jan 13

Synchrony Financial: Efficient Business At Fair Value

Oct 25

Synchrony Financial (NYSE:SYF) Will Pay A Dividend Of US$0.22

Oct 25
Synchrony Financial (NYSE:SYF) Will Pay A Dividend Of US$0.22

Synchrony Financial Continues To Rebound

Oct 15

Synchrony Financial: Properly Positioned For 2022 (And Beyond)

Jul 23

Amazon Visa Card Partnership Could Be A Win For Synchrony

Jun 13

Synchrony Financial reshapes structure to get products to market faster

Jun 01

Synchrony Financial Continues To See Credit Metrics Improve

May 04

Synchrony Financial Q1 2021 Earnings Preview

Apr 26

Would Synchrony Financial (NYSE:SYF) Be Valuable To Income Investors?

Mar 08
Would Synchrony Financial (NYSE:SYF) Be Valuable To Income Investors?

Revenue & Expenses Breakdown
Beta

How Synchrony Financial makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

NYSE:SYF Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 237,6622,1963,9220
30 Sep 237,6992,3343,8490
30 Jun 237,6982,4083,7690
31 Mar 237,9362,6423,6840
31 Dec 228,2992,9743,6230
30 Sep 228,5763,2103,5710
30 Jun 229,0513,6483,5000
31 Mar 229,4914,0873,4120
31 Dec 219,4664,1793,3190
30 Sep 219,2414,1043,1520
30 Jun 218,2593,2773,1390
31 Mar 216,7152,0823,0630
31 Dec 205,8521,3433,0790
30 Sep 205,9081,3463,1370
30 Jun 206,8682,0993,1660
31 Mar 208,0112,9153,2900
31 Dec 199,1323,7473,3560
30 Sep 199,2223,7993,3660
30 Jun 198,7303,4143,3690
31 Mar 198,4093,2573,2590
31 Dec 187,7392,7903,1870
30 Sep 187,4942,3923,0630
30 Jun 187,3842,2762,9440
31 Mar 187,2162,0762,8950
31 Dec 177,0711,9352,8040
30 Sep 177,0522,1262,7570
30 Jun 177,0372,1752,7070
31 Mar 176,9482,1682,6620
31 Dec 166,9862,2512,5970
30 Sep 166,8982,2222,5700
30 Jun 166,8382,1922,5280
31 Mar 166,8942,2442,4730
31 Dec 156,7952,2142,4170
30 Sep 156,7022,1982,3470
30 Jun 156,5472,1722,2750
31 Mar 156,4422,1032,1890
31 Dec 146,3132,1092,1010
30 Sep 146,1672,0212,0260
30 Jun 146,1562,1141,8700
31 Mar 146,0142,1781,7490
31 Dec 135,6261,9791,6090

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.


Return on Assets


Return on Capital Employed


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