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 equity
Synchrony Financial's return on equity over the twelve months to 30 June 2026 was 22.2%, down 0.2 percentage points from fiscal 2025 (22.5%). Over the past ten years it has ranged from 10.2% (fiscal 2020) to 33.6% (fiscal 2021); the current reading is higher than 64% of that period. That is above the Credit Services industry median of 8.49% and above the Financial sector median of 8.89%.
Return on equity, annual
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Annual newest first
| Period | Return on equity | Change (points) |
|---|---|---|
| FY2025 | 22.5% | (1.58) |
| FY2024 | 24.0% | 6.68 |
| FY2023 | 17.4% | (6.39) |
| FY2022 | 23.7% | (9.84) |
| FY2021 | 33.6% | 23.38 |
| FY2020 | 10.2% | (15.61) |
| FY2019 | 25.8% | 6.51 |
| FY2018 | 19.3% | 5.69 |
| FY2017 | 13.6% | (3.19) |
| FY2016 | 16.8% | (2.38) |
Against its own ten years
Return on equity against peers
| Company | Return on equity |
|---|---|
| AFRM Affirm Holdings, Inc. compare | 45.1% |
| CACC Credit Acceptance Corporation compare | 31.9% |
| PYPL PayPal Holdings, Inc. compare | 24.5% |
| OMF OneMain Holdings, Inc. compare | 23.3% |
| SYF Synchrony Financial | 22.2% |
| FCFS FirstCash Holdings, Inc. compare | 17.4% |
| ALLY Ally Financial Inc. compare | 10.3% |
| SOFI SoFi Technologies, Inc. compare | 7.09% |
| KLAR Klarna Group plc compare | −5.67% |
| Credit Services industry median | 8.49% |
| Financial sector median | 8.89% |
| Market median | 1.35% |
What Return on equity is
ROE shows how much profit a company earns for its shareholders on the equity they have in the business.
Annual: Net Income Allotted to Shareholders ÷ Average Common Equity; TTM: Net Income Allotted to Shareholders ÷ Average Common Equity (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 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