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Friday 6 November 2026
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Synchrony Financial
Synchrony Financial’s revenue for fiscal 2025 (year ended December 2025) was $23.1 billion, down 4.32% from fiscal 2024.
- Revenue
- +0.60%
- EPS
- −6.23%
- Free cash flow
- −5.27%
- Total debt
- +18.0%
Quarter to September 2026, against a year earlier
74.45
0.58
−0.77%
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Synchrony Financial (SYF) Gross margin
Synchrony Financial's gross margin over the twelve months to 30 September 2026 was 83.2%, up 1.1 percentage points from fiscal 2025 (82.1%). Over the past ten years it has ranged from 80.8% (fiscal 2024) to 93.5% (fiscal 2021); the current reading is higher than 18% of that period. That is above the Credit Services industry median of 76.6% and above the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 82.1% | 1.30 |
| FY2024 | 80.8% | (1.51) |
| FY2023 | 82.3% | (8.99) |
| FY2022 | 91.3% | (2.13) |
| FY2021 | 93.5% | 3.56 |
| FY2020 | 89.9% | 1.66 |
| FY2019 | 88.2% | (1.53) |
| FY2018 | 89.8% | (1.91) |
| FY2017 | 91.7% | (0.08) |
| FY2016 | 91.8% | 0.08 |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 83.4% | 0.44 |
| Jun 2026 | 83.0% | (0.17) |
| Mar 2026 | 83.1% | (0.28) |
| Dec 2025 | 83.4% | 0.66 |
| 43 more quarters | Free account |
Against its own ten years
Low 80.8%
High 93.5%
Ten-year median
89.9%
Current reading's percentile
28
Gross margin against peers
| Company | Gross margin |
|---|---|
| CACC Credit Acceptance Corporation compare | 100.0% |
| SYF Synchrony Financial | 83.2% |
| OMF OneMain Holdings, Inc. compare | 79.8% |
| SOFI SoFi Technologies, Inc. compare | 77.4% |
| ALLY Ally Financial Inc. compare | 61.8% |
| KLAR Klarna Group plc compare | 58.2% |
| FCFS FirstCash Holdings, Inc. compare | 50.2% |
| PYPL PayPal Holdings, Inc. compare | 40.6% |
| AFRM Affirm Holdings, Inc. compare | 0.00% |
| Credit Services industry median | 76.6% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on SYF
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement