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.
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Synchrony Financial (SYF) Net margin
Synchrony Financial's net margin over the twelve months to 30 June 2026 was 14.8%, down 0.2 percentage points from fiscal 2025 (15.0%). Over the past ten years it has ranged from 8.15% (fiscal 2020) to 26.5% (fiscal 2021); the current reading is higher than 55% of that period. That is above the Credit Services industry median of 9.25% and above the Financial sector median of 13.5%.
Net margin, annual
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Annual newest first
| Period | Net margin | Change (points) |
|---|---|---|
| FY2025 | 15.0% | 0.82 |
| FY2024 | 14.2% | 3.72 |
| FY2023 | 10.5% | (6.51) |
| FY2022 | 17.0% | (9.56) |
| FY2021 | 26.5% | 18.38 |
| FY2020 | 8.15% | (11.10) |
| FY2019 | 19.3% | 3.96 |
| FY2018 | 15.3% | 3.70 |
| FY2017 | 11.6% | (3.30) |
| FY2016 | 14.9% | (1.37) |
Quarterly newest first
| Period | Net margin | Change (points) |
|---|---|---|
| Jun 2026 | 15.1% | 1.43 |
| Mar 2026 | 13.7% | 1.21 |
| Dec 2025 | 12.5% | (5.58) |
| Sep 2025 | 18.0% | 1.46 |
| 42 more quarters | Free account |
Against its own ten years
Net margin against peers
| Company | Net margin |
|---|---|
| AFRM Affirm Holdings, Inc. compare | 45.3% |
| CACC Credit Acceptance Corporation compare | 21.5% |
| SYF Synchrony Financial | 14.8% |
| PYPL PayPal Holdings, Inc. compare | 14.4% |
| OMF OneMain Holdings, Inc. compare | 12.3% |
| SOFI SoFi Technologies, Inc. compare | 11.4% |
| FCFS FirstCash Holdings, Inc. compare | 9.42% |
| ALLY Ally Financial Inc. compare | 8.38% |
| KLAR Klarna Group plc compare | −3.52% |
| Credit Services industry median | 9.25% |
| Financial sector median | 13.5% |
| Market median | 0.45% |
What Net margin is
Net Profit Margin tells an investor how much of each unit of revenue ends up as profit for shareholders after all costs, interest and taxes.
Net Income Allotted to Shareholders ÷ Revenue
More on SYF
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Gross margin
- Operating 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