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) Return on assets
Synchrony Financial's return on assets over the twelve months to 30 June 2026 was 2.83%, down 0.1 percentage points from fiscal 2025 (2.91%). Over the past ten years it has ranged from 1.34% (fiscal 2020) to 4.36% (fiscal 2021); the current reading is higher than 73% of that period. That is above the Credit Services industry median of 2.16% and above the Financial sector median of 1.18%.
Return on assets, annual
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Annual newest first
| Period | Return on assets | Change (points) |
|---|---|---|
| FY2025 | 2.91% | 0.02 |
| FY2024 | 2.89% | 0.91 |
| FY2023 | 1.98% | (0.99) |
| FY2022 | 2.97% | (1.39) |
| FY2021 | 4.36% | 3.02 |
| FY2020 | 1.34% | (2.20) |
| FY2019 | 3.54% | 0.79 |
| FY2018 | 2.75% | 0.67 |
| FY2017 | 2.08% | (0.50) |
| FY2016 | 2.58% | (0.19) |
Against its own ten years
Return on assets against peers
| Company | Return on assets |
|---|---|
| AFRM Affirm Holdings, Inc. compare | 14.3% |
| FCFS FirstCash Holdings, Inc. compare | 7.76% |
| PYPL PayPal Holdings, Inc. compare | 6.03% |
| CACC Credit Acceptance Corporation compare | 5.79% |
| OMF OneMain Holdings, Inc. compare | 2.89% |
| SYF Synchrony Financial | 2.83% |
| SOFI SoFi Technologies, Inc. compare | 1.25% |
| ALLY Ally Financial Inc. compare | 0.68% |
| KLAR Klarna Group plc compare | −0.77% |
| Credit Services industry median | 2.16% |
| Financial sector median | 1.18% |
| Market median | 0.00% |
What Return on assets is
ROA tells an investor how much profit a company earns for shareholders from the assets it uses to run its business.
Annual: Net Income Allotted to Shareholders ÷ Average Assets; TTM: Net Income Allotted to Shareholders ÷ Average Assets (latest quarter)
More on SYF
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Gross margin
- 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 invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement