Synchrony Financial (SYF-PB) EBIT Margin (2013 - 2026)

Synchrony Financial (SYF-PB) posted EBIT Margin of 42.26% for Q1 2026, up 7.29% quarter-over-quarter from 39.39% in Q4 2025, and down 261.0% year-on-year from 26.25% in Q1 2025.

Synchrony Financial (SYF-PB) EBIT Margin (2013 - 2026) Analysis & Trends

Synchrony Financial (SYF-PB) has reported EBIT Margin for 14 consecutive years, with 42.26% the latest figure, recorded in Q1 2026.

  • EBIT Margin for Q1 2026 came in at 42.26%, down 261.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 45.46% (up 33.0% YoY), and the FY2025 annual result was 46.12%, down 92.0% from the prior year.
  • EBIT Margin was 42.26% for Q1 2026 at Synchrony Financial, up from 39.39% in the prior quarter.
  • Over five years, EBIT Margin peaked at 59.18% in Q4 2022 and troughed at 18.76% in Q1 2023.
  • Average EBIT Margin over 5 years is 40.63%, with a median of 42.26% recorded in 2026.
  • Year-over-year, EBIT Margin sank 2343 bps in 2023 and surged 3286 bps in 2024.
  • Over 5 years, EBIT Margin stood at 59.18% in 2022, then sank by 40 bps to 35.75% in 2023, then increased by 24 bps to 44.3% in 2024, then dropped by 11 bps to 39.39% in 2025, then advanced by 7 bps to 42.26% in 2026.
  • Per Business Quant data, the three most recent EBIT Margin figures were 42.26% in Q1 2026, 39.39% in Q4 2025, and 50.34% in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBIT Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 64.42%
2 Mastercard 465.55 Bn 455.34 Bn - 58.43%
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 18.77%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 17.81%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 26.44%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 3.39%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 35.49%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 24.11%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 15.96%
10 Synchrony Financial - - - 42.26%

Historic Data

Download Data
DateValue
Mar 31, 2026 42.26%
Dec 31, 2025 39.39%
Sep 30, 2025 50.34%
Jun 30, 2025 50.03%
Mar 31, 2025 44.87%
Dec 31, 2024 44.30%
Sep 30, 2024 46.62%
Jun 30, 2024 44.69%
Mar 31, 2024 51.62%
Dec 31, 2023 35.75%
Sep 30, 2023 40.97%
Jun 30, 2023 39.30%
Mar 31, 2023 18.76%
Dec 31, 2022 59.18%
Sep 30, 2022 23.27%
Jun 30, 2022 27.10%
Mar 31, 2022 32.19%
Dec 31, 2021 26.95%
Sep 30, 2021 46.38%
Jun 30, 2021 47.81%