Synchrony Financial (SYF) EBIT Margin (2013 - 2026)
Synchrony Financial's (SYF) quarterly EBIT Margin came in at 44.85% in Q2 2026, down 475.0% YoY from 11.96% in Q2 2025, and up 7.98% on a QoQ basis from 41.54% in Q1 2026.
Synchrony Financial (SYF) EBIT Margin (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has 14 years of EBIT Margin data on file, last reported at 44.85% in Q2 2026.
- Quarterly EBIT Margin fell 475.0% year-over-year to 44.85% in Q2 2026, while the trailing twelve-month figure through Jun 2026 was 43.79% (down 235.0% YoY) and the FY2025 annual result came in at 45.9%, down 135.0% from the prior year.
- EBIT Margin advanced to 44.85% in Q2 2026, from 41.54% in the prior quarter.
- In the past five years, EBIT Margin ranged from a high of 51.62% in Q1 2024 to a low of 31.39% in Q4 2022.
- A 5-year average of 41.04% and a median of 40.82% in 2023 frame the typical range for EBIT Margin.
- Annual changes were most pronounced in 2022 — EBIT Margin tumbled 2165 bps — and 2024, when it soared 1562 bps.
- Tracing SYF's EBIT Margin over 5 years: stood at 31.39% in 2022, then rose by 10 bps to 34.6% in 2023, then advanced by 28 bps to 44.3% in 2024, then declined by 12 bps to 38.85% in 2025, then grew by 15 bps to 44.85% in 2026.
- The last three EBIT Margin figures came in at 44.85% (Q2 2026), 41.54% (Q1 2026), and 38.85% (Q4 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 639.95 Bn | 627.59 Bn | - | 59.12% |
| 2 | Mastercard | 526.89 Bn | 513.41 Bn | - | 60.22% |
| 3 | American Express | 228.07 Bn | 178.76 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 134.45 Bn | 79.73 Bn | - | 49.39% |
| 5 | PayPal Holdings | 54.65 Bn | 43.39 Bn | - | 16.44% |
| 6 | Synchrony Financial | 26.75 Bn | 10.56 Bn | - | 44.85% |
| 7 | Affirm Holdings | 26.25 Bn | 24.53 Bn | - | 8.51% |
| 8 | SoFi Technologies | 24.32 Bn | 21.19 Bn | 1.02 Bn | 1.47% |
| 9 | Ally Financial | 13.14 Bn | 5.30 Bn | 2.08 Bn | 33.20% |
| 10 | FirstCash Holdings | 10.08 Bn | 9.90 Bn | 533.67 Mn | 11.82% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 44.85% |
| Mar 31, 2026 | 41.54% |
| Dec 31, 2025 | 38.85% |
| Sep 30, 2025 | 50.01% |
| Jun 30, 2025 | 49.60% |
| Mar 31, 2025 | 44.53% |
| Dec 31, 2024 | 44.30% |
| Sep 30, 2024 | 46.14% |
| Jun 30, 2024 | 44.17% |
| Mar 31, 2024 | 51.62% |
| Dec 31, 2023 | 34.60% |
| Sep 30, 2023 | 40.10% |
| Jun 30, 2023 | 38.06% |
| Mar 31, 2023 | 36.00% |
| Dec 31, 2022 | 31.39% |
| Sep 30, 2022 | 32.53% |
| Jun 30, 2022 | 33.45% |
| Mar 31, 2022 | 37.07% |
| Dec 31, 2021 | 31.61% |
| Sep 30, 2021 | 45.73% |