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 invested capital
Synchrony Financial's return on invested capital over the twelve months to 30 June 2026 was 16.8%, down 0.2 percentage points from fiscal 2025 (17.0%). Over the past ten years it has ranged from 6.63% (fiscal 2020) to 17.4% (fiscal 2021); the current reading is higher than 91% of that period. That is above the Credit Services industry median of 4.09% and above the Financial sector median of 4.85%.
Return on invested capital, annual
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Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 17.0% | 0.59 |
| FY2024 | 16.4% | 4.80 |
| FY2023 | 11.6% | (3.15) |
| FY2022 | 14.8% | (2.58) |
| FY2021 | 17.4% | 10.72 |
| FY2020 | 6.63% | (6.76) |
| FY2019 | 13.4% | 5.61 |
| FY2018 | 7.78% | (1.09) |
| FY2017 | 8.87% | (0.05) |
| FY2016 | 8.92% | (0.07) |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| PYPL PayPal Holdings, Inc. compare | 16.9% |
| SYF Synchrony Financial | 16.8% |
| CACC Credit Acceptance Corporation compare | 10.0% |
| FCFS FirstCash Holdings, Inc. compare | 8.97% |
| ALLY Ally Financial Inc. compare | 4.64% |
| SOFI SoFi Technologies, Inc. compare | 4.26% |
| OMF OneMain Holdings, Inc. compare | 2.45% |
| AFRM Affirm Holdings, Inc. compare | 2.16% |
| KLAR Klarna Group plc compare | 0.00% |
| Credit Services industry median | 4.09% |
| Financial sector median | 4.85% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
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 assets
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement