US-listed companies
Synchrony Financial

Synchrony FinancialSYF

Market cap

P/E ratio

Income statement Balance sheet Cash flow

	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022
Interest and fees on loans (Note 5)	-	-	-	-	-	-	4,900	4,100	3,700
Interest on cash and debt securities	-	-	-	-	-	385	117	43	265
Total interest income	12,242	13,228	14,778	16,407	17,988	19,090	16,067	15,271	17,146
Interest on deposits	470	607	727	848	1,186	1,566	1,094	566	1,008
Interest Expense, Borrowings	-	-	-	-	-	-	237	169	196
Interest Expense, Debt	124	309	277	280	340	367	334	297	317
Total interest expense	922	1,135	1,248	1,391	1,870	2,291	1,665	1,032	1,521
Net interest income	11,320	12,093	13,530	15,016	16,118	16,799	14,402	14,239	15,625
Retailer share arrangements	2,575	2,738	2,902	2,937	3,099	3,858	3,645	4,528	4,331
Provision for credit losses (Note 5)	-	-	-	-	-	-	1,500	-105	365
Net interest income, after retailer share arrangements and provision for credit losses	5,828	6,403	6,642	6,783	7,474	8,761	5,447	8,985	7,919
Interchange revenue	389	505	602	653	710	748	652	880	982
Debt cancellation fees	275	249	262	272	267	265	278	284	387
Loyalty programs	281	419	547	704	751	743	649	992	1,257
Other	102	57	27	67	39	101	124	309	268
Total other income	485	392	344	288	265	371	405	481	380
Employee costs	866	1,042	1,207	1,314	1,427	1,455	1,380	1,501	1,681
Professional fees	607	645	638	629	806	867	759	782	832
Marketing and business development	460	433	423	498	528	549	448	486	487
Information processing	212	297	338	373	426	485	492	550	623
Other	782	847	810	933	908	889	976	644	714
Total other expense	2,927	3,264	3,416	3,747	4,095	4,245	4,055	3,963	4,337
Earnings before provision for income taxes	3,386	3,531	3,570	3,324	3,644	4,887	1,797	5,503	3,962
Income Tax Expense (Benefit)	1,277	1,317	1,319	1,389	854	1,140	412	1,282	946
Net earnings	2,109	2,214	2,251	1,935	2,790	3,747	1,385	4,221	3,016
Net earnings available to common stockholders	-	-	-	-	-	3,747	1,343	4,179	2,974
Basic (in usd per share)	2.78	2.66	2.71	2.43	3.76	5.59	2.28	7.4	6.19
Diluted (in usd per share)	2.78	2.65	2.71	2.42	3.74	5.56	2.27	7.34	6.15