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% on a YoY basis from 11.96% in Q2 2025, and up 7.98% quarter-over-quarter from 41.54% in Q1 2026.
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Synchrony Financial (SYF) EBIT Margin (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has reported EBIT Margin for 14 consecutive years, with 44.85% the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, EBIT Margin fell 475.0% year-over-year to 44.85%; the trailing twelve-month figure through Jun 2026 stood at 43.79% (down 235.0% YoY), and the FY2025 full-year result was 45.69%, down 134.0% from the prior year.
- EBIT Margin rose to 44.85% in Q2 2026 per SYF's latest filing, from 41.54% in the prior quarter.
- Across five years, EBIT Margin topped out at 51.62% in Q1 2024 and bottomed at 31.39% in Q4 2022.
- Historically, EBIT Margin has averaged 41.04% across 5 years, with a median of 40.82% in 2023.
- The sharpest annual moves came in 2022 and 2024: EBIT Margin plunged 2165 bps in 2022, then jumped 1562 bps in 2024.
- Over 5 years, EBIT Margin stood at 31.39% in 2022, then advanced by 10 bps to 34.6% in 2023, then grew by 28 bps to 44.3% in 2024, then retreated by 12 bps to 38.85% in 2025, then rose by 15 bps to 44.85% in 2026.
- According to Business Quant data, EBIT Margin over the past three periods registered 44.85%, 41.54%, and 38.85% for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 44.85% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 12.63% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 11.82% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 25.62% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 82.92% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 25.53% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 47.73% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 49.45% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 13.09% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 338.42% |
Historic Data
Download Data
Historic 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 | 31.54% |
| Sep 30, 2021 | 45.73% |