Synchrony Financialの売上高は？

Synchrony Financialの2025年度の売上高は$20.7Bです（前年比+20.8%）。

Synchrony Financialの純利益は？

Synchrony Financialの2025年度の純利益は$2.2Bです（前年比-25.8%）。

Synchrony FinancialのROEは？

Synchrony Financialの2025年度のROE（自己資本利益率）は17.4%です。

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Synchrony Financial（SYF）の決算・業績分析

Synchrony Financialの2025年有価証券報告書をAI分析。売上高$20.7B(+20.8%)。Financials。

SUMMARY — 業績サマリー

Synchrony Financialの2025年度業績サマリー

Synchrony Financial（証券コード: SYF）の2025年度決算・業績分析。売上高は$20.7B（前年比+20.8%）。純利益は$2.2B（前年比-25.8%）。有価証券報告書を基に、業績変化の要因・リスク・見通し・セグメント構成を AI が分析しました。

Synchrony Financialの2024年度注目ポイント

※ 直近の2025年度XBRLデータは取込済みですが、AI分析は2024年度の10-Kを対象としています。

Revenue increased 12.3% YoY to $17.1B (XBRL), but net income declined 28.5% YoY to $3.0B (XBRL).
Free cash flow turned negative at $-3.5B (XBRL), driven by $-10.2B in investing cash flow (XBRL).
High leverage persists with a debt-to-equity ratio of 7.59x (XBRL) and net debt of $5.7B (1.3x EBITDA) (XBRL).
Shareholder returns totaled $3.8B (XBRL), including $3.3B in share repurchases (XBRL).

Synchrony Financialの売上高変化の要因

•Total revenue grew 12.3% YoY to $17.1B (XBRL), though segment-specific drivers are not disclosed (XBRL). Historical data shows revenue fluctuated between $15.3B (FY2023) and $19.1B (FY2021) (XBRL), with FY2024 marking a rebound from the $16.1B low in FY2022. No segment or geographic breakdown is available (XBRL).

Synchrony Financialの営業利益変化の要因

•Operating income rose to $4.0B (XBRL) with a 23.1% operating margin (XBRL), but net income fell 28.5% YoY to $3.0B (XBRL). EBITDA reached $4.4B (25.6%) (XBRL), indicating strong pre-interest and tax profitability. Net margin declined to 17.6% (XBRL), reflecting increased costs or lower efficiency, though specific factors are not detailed (XBRL).

Synchrony Financialの事業リスクと対応

N/A — no risk factors are explicitly disclosed in the provided 10-K text (XBRL).

Synchrony Financialの事業内容

Synchrony Financial (SYF) operates as a financial services company, providing consumer credit solutions through partnerships with retailers and other businesses. While specific product lines or segments are not disclosed in the provided data (XBRL), the company's focus on credit services is evident from its revenue growth and capital structure. Its competitive position is reflected in its ability to maintain strong operating margins (23.1%) (XBRL) despite macroeconomic challenges.

Synchrony FinancialのAI業績分析レポート（2024年度）

Synchrony Financial (SYF) FY2024 Annual Report Analysis

Highlights

•Revenue increased 12.3% YoY to $17.1B (XBRL), but net income declined 28.5% YoY to $3.0B (XBRL).

•Free cash flow turned negative at $-3.5B (XBRL), driven by $-10.2B in investing cash flow (XBRL).

•High leverage persists with a debt-to-equity ratio of 7.59x (XBRL) and net debt of $5.7B (1.3x EBITDA) (XBRL).

•Shareholder returns totaled $3.8B (XBRL), including $3.3B in share repurchases (XBRL).

Business Overview

Synchrony Financial operates as a financial services company, providing consumer credit solutions through partnerships with retailers and other businesses. While specific product lines or segments are not disclosed (XBRL), the company's focus on credit services is evident from its revenue growth and capital structure. Its competitive position is reflected in its ability to maintain strong operating margins (23.1%) (XBRL) despite macroeconomic challenges.

Revenue Analysis

Total revenue grew 12.3% YoY to $17.1B (XBRL), though segment-specific drivers are not disclosed (XBRL). Historical data shows revenue fluctuated between $15.3B (FY2023) and $19.1B (FY2021) (XBRL), with FY2024 marking a rebound from the $16.1B low in FY2022. No segment or geographic breakdown is available (XBRL).

Profitability Analysis

Operating income rose to $4.0B (XBRL) with a 23.1% operating margin (XBRL), but net income fell 28.5% YoY to $3.0B (XBRL). EBITDA reached $4.4B (25.6%) (XBRL), indicating strong pre-interest and tax profitability. Net margin declined to 17.6% (XBRL), reflecting increased costs or lower efficiency, though specific factors are not detailed (XBRL).

Balance Sheet Analysis

Total assets grew to $117.5B (XBRL), with $10.3B in cash (XBRL) and $16.0B in long-term debt (XBRL). Equity stood at $13.7B (XBRL), resulting in an equity ratio of 11.6% (XBRL) and a debt-to-equity ratio of 7.59x (XBRL). Net debt of $5.7B (1.3x EBITDA) (XBRL) highlights leverage, though liquidity remains robust.

Cash Flow Analysis

Operating cash flow totaled $6.7B (XBRL), but free cash flow was negative at $-3.5B (XBRL) due to $-10.2B in investing cash flow (XBRL). Financing activities generated $5.3B (XBRL), including $434M in dividends (XBRL) and $3.3B in share repurchases (XBRL).

Working Capital Analysis

N/A — no data on receivables, inventory, or payables days is available (XBRL).

Risks