Also trades as: SYF (NYSE) · $vol 259M · SYF-PA (NYSE) · $vol 1M · 0LC3.L (LSE) · $vol 0M · SFE.DE (XETRA) · $vol 0M

$25.74

-0.05 (-0.19%)

After Hours: $25.60 (-0.14, -0.54%)

Weekly Expected Move ±1.3%

$25 $25 $26 $26 $27

NYSE · Financial Services · Financial - Credit Services · Tech Score Buy · Power 57 · $24.5B mcap · 20M float · 0.175% daily turnover

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Income Trends

Revenue

$19.1B -7.9% ▼

5Y CAGR: +11.4%

Gross Profit

$9.8B +3.9% ▲

5Y CAGR: -2.7%

Operating Income

$4.6B +1.5% ▲

5Y CAGR: +20.8%

Net Income

$3.6B +1.5% ▲

5Y CAGR: +20.7%

EPS (Diluted)

$9.29 +8.7% ▲

5Y CAGR: +32.6%

EBITDA

$5.1B +2.0% ▲

5Y CAGR: +18.7%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$10.2B	$11.7B	$13.6B	$20.8B	$19.1B
YoY Growth	-8.7%	+14.5%	+16.7%	+52.3%	-7.9%
Cost of Revenue	$0	$0	$0	$11.4B	$9.4B
Gross Profit	$10.2B	$11.7B	$13.6B	$9.4B	$9.8B
Gross Margin	100.0%	100.0%	100.0%	45.2%	51.0%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$2.0B	$2.2B	$2.4B	$2.4B	$2.6B
Operating Expenses	$4.7B	$7.7B	$10.7B	$4.8B	$5.1B
Operating Income	$5.5B	$4.0B	$2.9B	$4.6B	$4.6B
Operating Margin	54.0%	33.9%	21.3%	21.9%	24.2%
Interest Expense	$1.0B	$1.5B	$3.7B	$4.6B	$4.1B
Income Before Tax	$5.5B	$4.0B	$2.9B	$4.6B	$4.6B
Tax Expense	$1.3B	$946M	$666M	$1.1B	$1.1B
Net Income	$4.2B	$3.0B	$2.2B	$3.5B	$3.6B
Net Margin	41.4%	25.8%	16.4%	16.9%	18.6%
EPS (Diluted)	$7.34	$6.15	$5.19	$8.55	$9.29
EBITDA	$5.9B	$4.4B	$3.4B	$5.0B	$5.1B
Shares Outstanding	569M	483M	424M	401M	358M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$4.9B	$4.8B	$4.7B	$4.8B	$4.8B	$4.7B	$4.7B	$4.8B
Cost of Revenue	$2.7B	$2.6B	$2.2B	$2.2B	$2.4B	$2.3B	$2.2B	$2.2B
Gross Profit	$2.2B	$2.2B	$2.5B	$2.7B	$2.4B	$2.4B	$2.5B	$2.6B
Gross Margin	45.5%	46.4%	53.1%	55.4%	49.3%	50.6%	53.6%	53.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$582M	$622M	$636M	$623M	$723M	$629M	$653M	$644M
Operating Expenses	$1.3B	$1.2B	$1.2B	$1.2B	$1.4B	$1.3B	$1.3B	$1.4B
Operating Income	$973M	$984M	$1.3B	$1.4B	$952M	$1.0B	$1.2B	$1.2B
Operating Margin	19.8%	20.5%	26.7%	29.6%	20.0%	22.4%	25.3%	24.6%
Interest Expense	$1.1B	$1.1B	$1.1B	$1.0B	$973M	$968M	$975M	$979M
Income Before Tax	$973M	$984M	$1.3B	$1.4B	$952M	$1.0B	$1.2B	$1.2B
Tax Expense	$199M	$227M	$289M	$352M	$201M	$242M	$301M	$289M
Net Income	$774M	$757M	$967M	$1.1B	$751M	$805M	$885M	$892M
Net Margin	15.7%	15.8%	20.5%	22.3%	15.8%	17.3%	18.9%	18.6%
EPS (Diluted)	$1.90	$1.89	$2.50	$2.86	$2.04	$2.27	$2.59	$2.68
EBITDA	$1.1B	$1.1B	$1.4B	$1.6B	$1.1B	$1.2B	$1.3B	$1.2B
Shares Outstanding	395M	389M	379M	379M	358M	346M	334M	322M

SYF-PB NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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