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Income Statement (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Revenue | 4.83B | 2.6% |
| Gross Profit | 2.68B | 7% |
| Cost of Revenue | 2.16B | 2.4% |
| Operating expense | 1.25B | 0.2% |
| Net Income | 1.08B | 11.4% |
| EBITDA | 1.56B | 13% |
Balance Sheet (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Total Assets | 117B | 2.9% |
| Total Liabilities | 99.9B | 3.5% |
| Total Equity | 17.1B | 0.7% |
| Shares Outstanding | 379M | 0.1% |
Cash Flow (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Cash from operations | 2.64B | 3% |
| Cash from investing | -1.57B | 29.8% |
| Cash from financing | -4.96B | 75.9% |
EPS
Financial Highlights for Synchrony Financial in Q3 '25
Synchrony Financial reported a revenue of 4.83B, which is a 2.6% change from the previous quarter. An increase in revenue typically indicates growing demand for the company's products or services. This positive change in revenue is a good sign, suggesting that the company's sales are moving in the right direction.
Gross Profit stood at 2.68B, marking a 7% change since the last quarter. Gross profit showcases the efficiency in production and sales processes.
Cost of Revenue was 2.16B, a -2.4% difference from the previous quarter. A rising cost of revenue may suggest increased production or sales costs, which can impact margins. However, if accompanied by a proportionate rise in revenue, it could indicate scaling operations.
Operating Expenses for this period were 1.25B, showing a 0.2% change from the last quarter. Operating expenses cover the costs of running daily business operations. A significant increase might indicate inefficiencies or investments in growth, while a decrease could suggest cost-saving measures or potential underinvestment in key areas.
Net Income for the quarter was 1.08B, showing a 11.4% change from the prior quarter. Net income provides a clear picture of the company's profitability after all expenses. An increase suggests the company is becoming more profitable, while a decrease may raise concerns about the company's financial health, unless there are specific one-time costs or investments.
The company's EBITDA for the quarter was 1.56B, showing a 13% change from the previous period. EBITDA gives insight into the company's operational profitability, excluding non-operating expenses like interest and taxes. A rising EBITDA indicates strong operational performance, while a declining EBITDA may signal operational challenges or increased costs.
It was a positive quarter for Synchrony Financial with growth in revenue, gross profit, and net income. Higher operating expenses might indicate increased investments or potential inefficiencies.
