Synchrony Financial
Synchrony Financial’s revenue for fiscal 2025 (year ended December 2025) was $23.1 billion, down 4.32% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 3.98%, free cash flow fell 5.47% and total debt rose 2.64%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for ten consecutive years, operating cash flow growth for three.
Follow SYF
Synchrony Financial (SYF) Gross margin
Synchrony Financial's gross margin over the twelve months to 30 June 2026 was 83.1%, up 0.9 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 77.1% and above the Financial sector median of 69.9%.
Gross margin, annual
Embed this chart
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) |
|---|---|---|
| Jun 2026 | 83.0% | (0.17) |
| Mar 2026 | 83.1% | (0.28) |
| Dec 2025 | 83.4% | 0.66 |
| Sep 2025 | 82.7% | 1.41 |
| 42 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| CACC Credit Acceptance Corporation compare | 100.0% |
| SYF Synchrony Financial | 83.1% |
| OMF OneMain Holdings, Inc. compare | 79.7% |
| SOFI SoFi Technologies, Inc. compare | 77.1% |
| ALLY Ally Financial Inc. compare | 61.1% |
| KLAR Klarna Group plc compare | 58.2% |
| AFRM Affirm Holdings, Inc. compare | 57.4% |
| FCFS FirstCash Holdings, Inc. compare | 50.5% |
| PYPL PayPal Holdings, Inc. compare | 40.5% |
| Credit Services industry median | 77.1% |
| Financial sector median | 69.9% |
| Market median | 46.2% |
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