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

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

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

Synchrony Financial has reported EBIT Margin for 14 years, with the latest figure at 42.26% in Q1 2026.

  • For the quarter ending Q1 2026, EBIT Margin fell 261.0% year-over-year to 42.26%; the trailing twelve-month figure through Mar 2026 stood at 45.46% (up 33.0% YoY), and the FY2025 full-year result was 46.12%, down 92.0% from the prior year.
  • EBIT Margin for Q1 2026 stood at 42.26%, up from 39.39% in the prior quarter.
  • The five-year high for EBIT Margin was 59.18% in Q4 2022, with the low at 18.76% in Q1 2023.
  • Historically, EBIT Margin has averaged 40.63% across 5 years, with a median of 42.26% in 2026.
  • Annual changes were most pronounced in 2023 — EBIT Margin tumbled 2343 bps — and 2024, when it soared 3286 bps.
  • Synchrony Financial's EBIT Margin stood at 59.18% in 2022, then slumped by 40 bps to 35.75% in 2023, then advanced by 24 bps to 44.3% in 2024, then retreated by 11 bps to 39.39% in 2025, then increased by 7 bps to 42.26% in 2026.
  • The last three EBIT Margin figures came in at 42.26% (Q1 2026), 39.39% (Q4 2025), and 50.34% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBIT Margin (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 64.42%
2 Mastercard 437.55 Bn 427.34 Bn - 58.43%
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 18.77%
4 Capital One Financial 112.47 Bn 35.97 Bn - 44.55%
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 17.81%
6 Synchrony Financial 24.26 Bn 3.70 Bn - 42.26%
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 26.44%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 3.39%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 35.49%
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%