Synchrony financial (SYF)
Income statement / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12
Interest income:
Interest and Fee Income, Loans and Leases

18,705

17,644

16,219

14,682

13,179

12,216

11,295

10,300

Interest on cash and debt securities

385

344

188

96

49

26

18

9

Total interest income

19,090

17,988

16,407

14,778

13,228

12,242

11,313

10,309

Interest expense:
Interest on deposits

1,566

1,186

848

727

607

470

374

362

Interest on senior unsecured notes

367

340

280

277

309

124

0

0

Interest on related party debt

-

-

-

-

4

113

157

155

Total interest expense

2,291

1,870

1,391

1,248

1,135

922

742

745

Net interest income

16,799

16,118

15,016

13,530

12,093

11,320

10,571

9,564

Retailer share arrangements

3,858

3,099

2,937

2,902

2,738

2,575

2,373

1,984

Net interest income, after retailer share arrangements

-

-

-

10,628

9,355

8,745

8,198

7,580

Financing Receivable, Credit Loss, Expense (Reversal)

4,180

5,545

5,296

3,986

2,952

2,917

3,072

2,565

Net interest income, after retailer share arrangements and provision for credit losses

8,761

7,474

6,783

6,642

6,403

5,828

5,126

5,015

Other income:
Interchange revenue

748

710

653

602

505

389

324

287

Debt cancellation fees

265

267

272

262

249

275

324

309

Loyalty programs

743

751

704

547

419

281

213

199

Other

101

39

67

27

57

102

65

87

Total other income

371

265

288

344

392

485

500

484

Other expense:
Employee costs

1,455

1,427

1,304

1,198

1,042

866

698

620

Professional fees

867

806

629

638

645

563

449

451

Marketing and business development

549

528

498

423

433

460

269

208

Information processing

485

426

373

338

297

212

193

165

Other

889

908

943

819

847

826

875

679

Total other expense

4,245

4,095

3,747

3,416

3,264

2,927

2,484

2,123

Earnings before provision for income taxes

4,887

3,644

3,324

3,570

3,531

3,386

3,142

3,376

Provision for income taxes (Note 12)

1,140

854

1,389

1,319

1,317

1,277

1,163

1,257

Net Income (Loss) Attributable to Parent

3,747

2,790

1,935

2,251

2,214

2,109

1,979

2,119

Net Income (Loss) Available to Common Stockholders, Basic

3,747

2,790

1,935

-

-

-

-

-

Earnings Per Share [Abstract]
Earnings Per Share, Basic

5.59

3.76

2.43

2.71

2.66

2.78

2.81

3.00

Earnings Per Share, Diluted

5.56

3.74

2.42

2.71

2.65

2.78

2.81

3.00

Common Stock, Dividends, Per Share, Declared

-

-

-

0.26

0.00

0.00

-

-

Variable Interest Entity, Primary Beneficiary
Interest and Fee Income, Loans and Leases

5,200

5,000

4,200

4,500

-

-

-

-

Interest on borrowings of consolidated securitization entities

358

344

263

244

-

-

-

-

Financing Receivable, Credit Loss, Expense (Reversal)

1,100

1,500

1,300

1,000

-

-

-

-