Synchrony Financial (SYF) EBIT Margin (2013 - 2026)
Synchrony Financial (SYF) reported EBIT Margin of 43.96% for Q3 2026, down 6.38 percentage points from 50.34% a year earlier and down 1.59 percentage points from the prior quarter.
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Analysis
Synchrony Financial (SYF) EBIT Margin (2013 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Synchrony Financial's EBIT Margin came in at 42.77%, down 4.64 percentage points year-over-year; for FY2025, it was 46.12%, down 0.92 percentage points from FY2024.
- EBIT Margin has a five-year change of +22.74 percentage points (FY2020 to FY2025).
- By year, EBIT Margin came in at 47.04% in FY2024 (+8.77 pp), 38.26% in FY2023 (+4.01 pp), 34.26% in FY2022 (-10.14 pp) and 44.40% in FY2021 (+21.01 pp).
- Five-year quarterly EBIT Margin spans a low of 31.77% in Q4 2021 and a high of 51.62% in Q1 2024.
- Year over year, EBIT Margin has now declined in each of the last four quarters, with an average year-over-year change of -0.94 percentage points over the last eight quarters.
- The high point for year-over-year EBIT Margin in five years was Q1 2024 (a gain of 14.57 percentage points); the low point was Q2 2022 (a drop of 22.62 percentage points).
- Per Business Quant data, the three quarters before Q3 2026 came in at 45.54% (Q2 2026), 42.26% (Q1 2026) and 39.39% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 40.99 Bn | 9.71 Bn | 12.74 Bn | 6.19% |
| 2 | Rocket Companies | 35.89 Bn | 35.89 Bn | - | - |
| 3 | Royalty Pharma | 29.95 Bn | 26.91 Bn | - | 19.75% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 467.76% |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | 12.63% |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 43.96% |
| 7 | Royal Gold | 19.26 Bn | 18.43 Bn | 390.45 Mn | 62.13% |
| 8 | Annaly Capital Management | 13.94 Bn | 4.90 Bn | - | 51.56% |
| 9 | Ares Capital | 13.71 Bn | 11.46 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 13.42 Bn | 13.42 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 43.96% |
| Jun 30, 2026 | 45.54% |
| 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 | 37.05% |
| Dec 31, 2022 | 32.47% |
| Sep 30, 2022 | 33.64% |
| Jun 30, 2022 | 33.45% |
| Mar 31, 2022 | 37.62% |
| Dec 31, 2021 | 31.77% |
API Access
Synchrony Financial EBIT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebit-margin&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebit-margin", "ticker": "SYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebit-margin&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();