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

$71.83

-0.17 (-0.24%)

Weekly Expected Move ±3.5%

$66 $69 $71 $74 $76

NYSE · Financial Services · Financial - Credit Services · Alpha Radar Sell · Power 45 · $24.2B mcap · 335M float · 1.24% daily turnover · Short 39% of daily vol

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Income Trends

Revenue

$19.1B -7.9% ▼

5Y CAGR: +8.3%

Gross Profit

$9.8B +3.9% ▲

5Y CAGR: +10.8%

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	$11.2B	$13.2B	$17.3B	$20.8B	$19.1B
YoY Growth	-12.5%	+17.6%	+31.4%	+39.4%	-7.9%
Cost of Revenue	$1.8B	$4.9B	$9.7B	$11.4B	$9.4B
Gross Profit	$9.5B	$8.3B	$7.7B	$9.4B	$9.8B
Gross Margin	84.3%	62.9%	44.2%	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	$4.0B	$4.3B	$4.8B	$4.8B	$5.1B
Operating Income	$5.5B	$4.0B	$2.9B	$4.6B	$4.6B
Operating Margin	49.0%	30.0%	16.7%	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	37.6%	22.9%	12.9%	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 Q2	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1
Revenue	$4.9B	$5.0B	$4.9B	$4.8B	$4.7B	$4.8B	$4.8B	$5.6B
Cost of Revenue	$2.9B	$2.8B	$2.7B	$2.6B	$2.2B	$2.2B	$2.4B	$968M
Gross Profit	$2.0B	$2.2B	$2.2B	$2.2B	$2.5B	$2.7B	$2.4B	$4.6B
Gross Margin	41.3%	44.4%	45.5%	46.4%	53.1%	55.4%	49.3%	82.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$563M	$587M	$582M	$622M	$636M	$623M	$723M	$1.3B
Operating Expenses	$1.2B	$1.2B	$1.3B	$1.2B	$1.2B	$1.2B	$1.4B	$3.7B
Operating Income	$844M	$1.0B	$973M	$984M	$1.3B	$1.4B	$952M	$914M
Operating Margin	17.3%	20.6%	19.8%	20.5%	26.7%	29.6%	20.0%	16.3%
Interest Expense	$1.2B	$1.2B	$1.1B	$1.1B	$1.1B	$1.0B	$973M	$968M
Income Before Tax	$844M	$1.0B	$973M	$984M	$1.3B	$1.4B	$952M	$1.0B
Tax Expense	$201M	$239M	$199M	$227M	$289M	$352M	$201M	$242M
Net Income	$643M	$789M	$774M	$757M	$967M	$1.1B	$751M	$805M
Net Margin	13.2%	15.8%	15.7%	15.8%	20.5%	22.3%	15.8%	14.4%
EPS (Diluted)	$1.55	$1.94	$1.91	$1.89	$2.50	$2.86	$2.04	$2.27
EBITDA	$965M	$1.1B	$1.1B	$1.1B	$1.4B	$1.6B	$1.1B	$914M
Shares Outstanding	403M	396M	395M	389M	379M	379M	358M	346M

SYF NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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