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| Date | Value |
|---|---|
| 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% |