SYNCHRONY FINANCIAL SYF Income Statement

Synchrony financial (SYF)

Income statement / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Sep'13	Jun'13
Interest income:
Interest and Fee Income, Loans and Leases
18,358	18,705	18,987	18,714	18,159	17,644	17,103	16,668	16,514	16,219	15,905	15,494	15,061	14,682	14,257	13,865	13,537	13,179	12,937	12,674	12,428	12,216	11,847	11,412	0	0	0
Interest on cash and debt securities
353	385	394	380	371	344	300	274	224	188	158	132	110	96	83	71	61	49	42	36	31	26	21	19	0	0	0
Total interest income
18,711	19,090	19,381	19,094	18,530	17,988	17,403	16,942	16,738	16,407	16,063	15,626	15,171	14,778	14,340	13,936	13,598	13,228	12,979	12,710	12,459	12,242	11,868	11,431	0	0	0
Interest expense:
Interest on deposits
1,547	1,566	1,533	1,436	1,312	1,186	1,069	974	903	848	803	772	749	727	704	675	642	607	581	548	511	470	425	392	0	0	0
Interest on senior unsecured notes
370	367	363	358	346	340	323	308	292	280	275	266	263	277	290	302	308	309	307	277	206	124	46	0	0	0	-
Interest on related party debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4	12	27	70	113	143	158	0	0	0
Total interest expense
2,248	2,291	2,278	2,174	2,028	1,870	1,702	1,571	1,467	1,391	1,335	1,293	1,263	1,248	1,230	1,204	1,171	1,135	1,116	1,071	1,007	922	823	757	0	0	0
Net interest income
16,463	16,799	17,103	16,920	16,502	16,118	15,701	15,371	15,271	15,016	14,728	14,333	13,908	13,530	13,110	12,732	12,427	12,093	11,863	11,639	11,452	11,320	11,045	10,674	0	0	0
Retailer share arrangements
3,830	3,858	3,684	3,539	3,333	3,099	3,023	2,957	2,973	2,937	2,969	2,921	2,916	2,902	2,825	2,791	2,748	2,738	2,702	2,672	2,641	2,575	2,557	2,411	0	0	0
Net interest income, after retailer share arrangements
-	-	-	-	-	-	-	-	12,298	-	11,759	11,412	10,992	10,628	10,285	9,941	9,679	9,355	9,161	8,967	8,811	8,745	8,488	8,263	0	0	0
Financing Receivable, Credit Loss, Expense (Reversal)
4,998	4,180	4,528	4,960	5,042	5,545	5,447	5,306	5,352	5,296	5,018	4,694	4,389	3,986	3,733	3,449	3,168	2,952	2,926	2,899	2,840	2,917	2,661	2,652	0	0	0
Net interest income, after retailer share arrangements and provision for credit losses
7,635	8,761	8,891	8,421	8,127	7,474	7,231	7,108	6,946	6,783	6,741	6,718	6,603	6,642	6,552	6,492	6,511	6,403	6,235	6,068	5,971	5,828	5,827	5,611	0	0	0
Other income:
Interchange revenue
744	748	749	734	717	710	696	678	666	653	641	631	617	602	582	563	535	505	478	444	413	389	351	331	0	0	0
Debt cancellation fees
266	265	271	272	269	267	266	268	270	272	271	271	266	262	256	250	248	249	254	261	270	275	282	291	0	0	0
Loyalty programs
734	743	770	763	763	751	736	708	722	704	668	645	574	547	515	492	451	419	385	347	316	281	248	222	0	0	0
Other
100	101	81	66	59	39	37	38	56	67	67	62	36	27	23	25	51	57	120	121	104	102	52	65	0	0	0
Total other income
376	371	331	309	282	265	263	276	270	288	311	319	345	344	346	346	383	392	467	479	471	485	437	465	0	0	0
Other expense:
Employee costs
1,426	1,455	1,423	1,429	1,422	1,427	1,404	1,372	1,339	1,304	1,280	1,258	1,241	1,198	1,177	1,134	1,083	1,042	984	955	912	866	812	746	0	0	0
Professional fees
832	867	899	926	872	806	734	663	644	629	634	647	643	638	639	627	629	645	619	606	595	563	544	502	0	0	0
Marketing and business development
537	549	563	555	530	528	518	511	525	498	472	440	423	423	421	444	445	433	470	470	459	460	349	287	0	0	0
Information processing
495	485	481	459	435	426	407	398	387	373	362	353	346	338	333	323	316	297	274	244	223	212	199	200	0	0	0
Other
914	889	878	865	891	908	924	947	932	943	947	898	871	819	798	824	845	847	839	796	874	826	806	810	0	0	0
Total other expense
4,204	4,245	4,244	4,234	4,150	4,095	3,987	3,891	3,827	3,747	3,695	3,596	3,524	3,416	3,368	3,352	3,318	3,264	3,186	3,071	3,063	2,927	2,710	2,545	0	0	0
Earnings before provision for income taxes
3,807	4,887	4,978	4,496	4,259	3,644	3,507	3,493	3,389	3,324	3,357	3,441	3,424	3,570	3,530	3,486	3,576	3,531	3,516	3,476	3,379	3,386	3,554	3,531	0	0	0
Provision for income taxes (Note 12)
881	1,140	1,179	1,082	1,002	854	1,115	1,217	1,313	1,389	1,231	1,266	1,256	1,319	1,308	1,294	1,332	1,317	1,318	1,304	1,276	1,277	1,335	1,324	0	0	0
Net Income (Loss) Attributable to Parent
2,926	3,747	3,799	3,414	3,257	2,790	2,392	2,276	2,076	1,935	2,126	2,175	2,168	2,251	2,222	2,192	2,244	2,214	2,198	2,172	2,103	2,109	2,219	2,207	0	0	0
Net Income (Loss) Available to Common Stockholders, Basic
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Weighted average shares outstanding (in thousands)
Basic (in shares)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	705
Diluted (in shares)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	705
Earnings Per Share [Abstract]
Earnings Per Share, Basic
0.45	1.17	1.60	1.25	1.57	1.08	0.91	0.93	0.84	0.50	0.70	0.62	0.61	0.69	0.73	0.59	0.70	0.66	0.69	0.65	0.66	0.62	0.70	0.67	0.79	0.91	0.76
Earnings Per Share, Diluted
0.45	1.16	1.60	1.24	1.56	1.08	0.91	0.92	0.83	0.50	0.70	0.61	0.61	0.70	0.73	0.58	0.70	0.65	0.69	0.65	0.66	0.62	0.70	0.67	0.79	0.91	0.76
Common Stock, Dividends, Per Share, Declared
-	-	-	-	-	-	-	-	-	-	0.15	0.13	0.13	0.13	0.13	0.00	0.00	-	0.00	-	-	-	-	-	-	-	-
Variable Interest Entity, Primary Beneficiary
Interest and Fee Income, Loans and Leases
5,300	5,200	5,200	5,100	5,000	5,000	4,800	4,500	4,400	4,200	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest on borrowings of consolidated securitization entities
331	358	382	380	370	344	310	289	272	263	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Financing Receivable, Credit Loss, Expense (Reversal)
1,448	1,100	1,105	1,182	1,372	1,500	1,534	1,576	1,318	1,300	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-